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Sep 30
Citi Q3 2025 Earnings Report
Citi reported solid earnings driven by strength in U.S. Personal Banking and Services, despite headwinds from restructuring and divestitures.
Key Takeaways
Citigroup posted strong Q3 2025 results with $3.75B in net income and robust performance in key segments like U.S. Personal Banking and Services, though Legacy Franchises remained a drag due to restructuring costs.
Net income reached $3.75B with EPS of $1.86 and adjusted EPS of $2.24.
U.S. Personal Banking revenue rose 12% to $5.1B driven by growth in cards and interest income.
Markets revenue climbed 10% YoY, led by Fixed Income growth.
Legacy Franchises revenue dropped 29% due to business exits and FX headwinds.
Citi
Citi
Citi Revenue by Segment
Citi Revenue by Geographic Location
Revenue by Segment
Services Revenue
CapyFin.comMarkets Revenue
CapyFin.comBanking Revenue
CapyFin.comWealth Revenue
CapyFin.comU.S. Personal Banking Revenue
CapyFin.comLegacy Franchises Revenue
CapyFin.comRevenue by Geographic Location
North America Revenue
CapyFin.comInternational Revenue
CapyFin.com Forward Guidance
Citi maintains its guidance for mid-single-digit revenue growth for FY2025, supported by resilient U.S. consumer trends and ongoing expense discipline.
Positive Outlook
- Continued strength in U.S. Cards and Personal Banking expected.
- TTS and Markets businesses remain resilient.
- Improving expense efficiency through organizational simplification.
- Strong capital position with CET1 at 13.5%.
- Focus on divestitures will unlock value over time.
Challenges Ahead
- Legacy Franchises to remain under pressure due to wind-downs.
- Continued FX headwinds in international markets.
- Regulatory expenses to remain elevated.
- Uncertainty in Investment Banking activity levels.
- Potential credit normalization could impact provision levels.