Start 30 days free, no card. Full Pro access for a month, then decide. Start free
Loading
Start 30 days free, no card. Full Pro access for a month, then decide. Start free
Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
| Analyst | Firm | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Mike Mayo | Wells Fargo | 16 questions · 38% challenging |
| John McDonald | Truist Securities | 16 questions · 0% challenging |
| Ebrahim Poonawala | Bank of America | 15 questions · 27% challenging |
| Jim Mitchell | Seaport Research Partners | 14 questions · 7% challenging |
| Erika Najarian | UBS | 14 questions · 7% challenging |
| Gerard Cassidy | RBC Capital Markets | 13 questions · 8% challenging |
| Glenn Schorr | Evercore ISI | 10 questions · 20% challenging |
| Ken Usdin | Autonomous Research | 9 questions · 11% challenging |
| Betsy Graseck | Morgan Stanley | 8 questions · 13% challenging |
| Matt O'Connor | Deutsche Bank | 7 questions · 14% challenging |
| Firm | Analysts | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Wells Fargo | 1 analyst | 16 questions · 38% challenging |
| Truist Securities | 1 analyst | 16 questions · 0% challenging |
| Bank of America | 1 analyst | 15 questions · 27% challenging |
| Seaport Research Partners | 1 analyst | 14 questions · 7% challenging |
| Morgan Stanley | 3 analysts | 14 questions · 7% challenging |
| UBS | 1 analyst | 14 questions · 7% challenging |
| RBC Capital Markets | 1 analyst | 13 questions · 8% challenging |
| Evercore ISI | 1 analyst | 10 questions · 20% challenging |
No 8-K events recorded for this window.
Citi delivered sharply higher revenues up 14% with EPS of $3.06 and a 13.1% RoTCE, well above expectations. Services revenue hit its best Q1 in a decade, while markets crossed $7 billion in revenue for the first time in a decade. Management maintained the full-year 2026 outlook unchanged, though reserve builds reflected macro uncertainty from geopolitical and inflation risks.
Calendar quarter Q1 2026Earnings call Apr 14, 2026
FY2026 Q1 in brief
Citi delivered sharply higher revenues up 14% with EPS of $3.06 and a 13.1% RoTCE, well above expectations.
Newest quarter FY2026 Q3 is part of Pro · see what Pro adds →
Sources. Tellvest earnings-call sentiment score for Citigroup (C), FY2026 Q1: 8/10. Scores: Citigroup’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: C daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
The table scrolls sideways. Swipe it, or select it and use the arrow keys.
| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Net margin |
|---|---|---|---|---|---|
| FY2024 Q4 | $19.58B | +12.3% | $1.34 | +215.5% | 14.6% |
| FY2025 Q1 | $21.60B | +2.8% | $1.96 | +24.1% | 18.8% |
| FY2025 Q2 | $21.67B | +8.2% | $1.96 | +28.9% | 18.5% |
| FY2025 Q3 | $22.09B | +9.3% | $1.86 | +23.2% | 17.0% |
| FY2025 Q4 | $19.87B | +2.1% | $1.19 | -11.2% | 12.4% |
| FY2026 Q1Selected | $24.63B | +14.1% | $3.06 | +56.1% | 23.5% |
| FY2026 Q2 | $24.77B | +14.3% | $3.15 | +60.7% | 23.5% |
| FY2026 Q3 | $23.84B | +7.9% | $2.85 | +53.2% | 22.0% |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
Revenue Growth | Capital Allocation | Margin | Cost Pressure | Competitive Dynamics | Regulation Policy | Guidance Reliability | M&A | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 4 | 5 | 7 | 5 | 2 | 3 | 1 | |
| 2025Q1 | 6 | 6 | 3 | 4 | 3 | 1 | ||
| 2025Q2 | 3 | 3 | 4 | 4 | 2 | 2 | 1 | 1 |
| 2025Q3 | 5 | 3 | 3 | 5 | 3 | 3 | 3 | |
| 2025Q4 | 8 | 2 | 5 | 4 | 3 | 3 | 1 | |
| 2026Q1 | 7 | 10 | 4 | 3 | 3 | 5 | 1 | 3 |
| 2026Q2 | 4 | 4 | 2 | 1 | 7 | 2 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | '26Q2 | |
|---|---|---|---|---|---|---|---|
| Revenue Growth | 4 | 6 | 3 | 5 | 8 | 7 | 4 |
| Capital Allocation | 5 | 6 | 3 | 3 | 2 | 10 | 4 |
| Margin | 7 | 3 | 4 | 3 | 5 | 4 | 2 |
| Cost Pressure | 5 | 4 | 4 | 5 | 4 | 3 | |
| Competitive Dynamics | 2 | 3 | 2 | 3 | 3 | 3 | |
| Regulation Policy | 2 | 3 | 3 | 5 | 1 | ||
| Guidance Reliability | 3 | 1 | 1 | 7 | |||
| M&A | 1 | 1 | 1 | 3 | 1 | 3 | 2 |
GAAP revenue YoY +7.00% → base 6. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
What C said about other companies on its FY2026 Q1 call, and what other companies said about C on their calls covering the same calendar quarter (Q1 2026). Each company's own fiscal quarter is shown next to its name. Extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“We advised on the three largest deals so far this year—Paramount, McCormick, and EQT/AES—demonstrating how we are far better penetrating the C-suite.”
Citi advised on the EQT/AES transaction, one of the three largest M&A deals of the year, a signal corroborating major M&A involving AES.
“We advised on the three largest deals so far this year—Paramount, McCormick, and EQT/AES—demonstrating how we are far better penetrating the C-suite.”
Citi advised on a McCormick transaction, one of the three largest M&A deals of the year, a signal on McCormick's major M&A activity.
“We advised on the three largest deals so far this year—Paramount, McCormick, and EQT/AES—demonstrating how we are far better penetrating the C-suite.”
Citi advised on the Paramount transaction, one of the three largest M&A deals of the year, a signal on Paramount's major M&A activity.
“The American Airlines Barclays portfolio that is coming in in the second quarter is, of course, fully factored in.”
Citi is consolidating the American Airlines co-brand card portfolio, becoming the AAdvantage card issuer, a signal on American Airlines' card economics.
“the forward purchase commitment of the Barclays American Airlines co-branded card portfolio”
Citi is purchasing the American Airlines co-branded card portfolio from Barclays, a signal that Barclays is exiting the AAdvantage card portfolio.
“some of the more successful ones like Costco—which we have—and many others have made those pivots”
Citi cites Costco as one of its successful, high-scale co-brand card relationships, a signal on the Costco co-branded card program.
“Frankly, BlackRock is the most recent win we have had; it is far from the only one.”
BlackRock awarded Citi a large securities-services / middle-office ETF servicing mandate, a signal that BlackRock is outsourcing servicing to Citi's Services franchise.
| Company | Score | Trend | Rev YoY | Headline |
|---|---|---|---|---|
| CCitigroup | 8 | +7.0% | Citi delivered sharply higher revenues up 14% with EPS of $3.06 and a 13.1% RoTCE, well above expectations | |
| BACBank of America | 7 | +7.0% | Bank of America started FY2026 with revenue up 7%, record EPS, and 290 basis points of operating leverage as NII reached $15.9 billion, up 9% year-over-year | |
| BNYBNY Mellon | 9 | +2.2% | BNY Mellon delivered record Q1 FY2026 revenue of $5.4 billion with 13% year-over-year growth and 833 basis points of positive operating leverage | |
| JPMJPMorgan Chase & Co. | 6 | +6.9% | JPMorgan reported Q1 revenue of $50.5 billion, up 10% year-on-year, with EPS of $5.94 and an ROTCE of 23% | |
| WFCWells Fargo | 6 | +7.3% | Wells Fargo delivered Q1 diluted EPS growth of 15% on revenue increasing 6% with broad-based growth across all segments, as loans exceeded $1 trillion and pre-tax pre-provision profit grew 14% |
Citi delivered sharply higher revenues up 14% with EPS of $3.06 and a 13.1% RoTCE, well above expectations
Bank of America started FY2026 with revenue up 7%, record EPS, and 290 basis points of operating leverage as NII reached $15.9 billion, up 9% year-over-year
BNY Mellon delivered record Q1 FY2026 revenue of $5.4 billion with 13% year-over-year growth and 833 basis points of positive operating leverage
JPMorgan reported Q1 revenue of $50.5 billion, up 10% year-on-year, with EPS of $5.94 and an ROTCE of 23%
| Company | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 |
|---|---|---|---|---|---|---|
| C | 6 | 6 | 7 | 8 | 7 | 8 |
| BAC | 7 | 7 | 6 | 8 | 7 | 7 |
| BNY | 9 | 7 | 9 | 9 | 8 | 9 |
| JPM | 8 | 6 | 6 | 7 | 5 | 6 |
| WFC | 6 | 5 | 5 | 7 | 8 | 6 |
Wells Fargo delivered Q1 diluted EPS growth of 15% on revenue increasing 6% with broad-based growth across all segments, as loans exceeded $1 trillion and pre-tax pre-provision profit grew 14%