Citigroup (C) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $2.83
- Estimate
- $2.62
- Surprise
- +7.9%
- Score at report (before → after)
- 6.1 → 6.4/10
Revenue for this quarter isn’t shown: the reported figure hasn’t cleared TrendMatrix’s freshness and sanity checks yet, and consensus revenue isn’t tracked. EPS above is the available figure.
How the report landed
Citigroup (C) beat the $2.62 estimate with adjusted EPS of $2.83 — a clear 7.9% upside surprise. TrendMatrix's engine moved from Buy (Wait) (6.1/10) to Hold at 6.4/10 after the report.
Where TrendMatrix's rating stands now
TrendMatrix currently rates C Hold at 6.2/10.
3 of the last 4 quarters beat the estimate; this quarter's +7.9% surprise compares with a +4.5% four-quarter average. Next scheduled report: 2027-01-14.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Strong earnings beat streak (3/4)
What argues against it
- Thin upside margin: 9.3%
- V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2)
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $124.11
- Price target
- $135.64
- Stop
- $117.61
- Upside to target
- +9.3%
- Reward-to-risk
- 1.8:1
The stock trades at 12.1× trailing but 9.5× forward earnings — consensus estimates already build in a substantial earnings recovery.
Model outputs from TrendMatrix’s engine as of 2026-10-29 — shown for context, not personalized investment advice.
C at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Banks - Diversified
- Market cap
- $205.43B
- P/E (fwd)
- 9.5
- P/E (ttm)
- 12.1
- 52-week range
- $95.83–$147.96
- Off 52-week high
- 16.1%
- RSI (14)
- 43
- Volume vs avg
- 0.81×
- Score today
- 6.2/10