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Dec 31, 2025
Citi Q4 2025 Earnings Report
Citigroup reported Q4 2025 results with revenue slightly up year-over-year and earnings impacted by charges related to Russia.
Key Takeaways
Citigroup delivered moderate revenue growth in Q4 2025 with strong contributions from Investment Banking and Services. However, earnings were negatively impacted by a $1.2 billion pre-tax charge tied to the Russia exit.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Citigroup expects continued improvement in return metrics and operating leverage in 2026, supported by growth in Services, Wealth, and Banking, as well as expense reduction initiatives.
Positive Outlook
- Targeting RoTCE of 10–11% in 2026
- NII ex-Markets expected to grow 5–6% YoY
- Efficiency ratio targeted at ~60%
- Productivity savings and lower severance costs projected
- Services and Wealth deposit growth to support revenue
Challenges Ahead
- Decline in short-term U.S. and international interest rates could impact NII
- Legacy franchises remain a drag on profitability
- Retail Services NCLs projected to remain elevated (5.75%–6.25%)
- Branded Cards NCLs expected to range between 3.5%–4.0%
Historical Earnings Impact
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Avg. Return Before/After Earnings
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