Citigroup Inc. (NYSE:C) Quarterly Earnings and Financial Analysis

Font: Financial Modeling Prep  • Jan 08, 2026

• Earnings Expectations: Analysts forecast an EPS of $1.72 and revenue of $20.67 billion for the upcoming quarterly earnings.
• Investment Strategy: Citigroup emphasizes dynamic portfolios to navigate the unpredictable macroeconomic landscape of 2025.
• Financial Health Concerns: Challenges in cash flow generation and liquidity are highlighted, alongside a high debt-to-equity ratio.

Citigroup Inc. (NYSE:C) is a leading global bank offering a comprehensive range of financial services, including consumer banking, investment banking, and wealth management. As it gears up to release its quarterly earnings on January 14, 2026, analysts are projecting an earnings per share (EPS) of $1.72 and revenue of approximately $20.67 billion. These figures are of significant interest to both investors and analysts.

Citi Wealth's recent publication, "The Short and Long: Q1 Macro Investment View," underscores the importance of maintaining dynamic portfolios in 2026. This approach is deemed essential in light of the unpredictable macroeconomic conditions experienced in 2025. By focusing on core positions, Citigroup aims to effectively manage market volatility, as emphasized in the report.

Examining Citigroup's financial metrics offers further insight into its market standing. The company's price-to-earnings (P/E) ratio stands at 15.04, reflecting the price investors are willing to pay for each dollar of earnings. The price-to-sales ratio is 1.34, indicating that investors pay $1.34 for every dollar of sales. These ratios are instrumental in evaluating the company's valuation.

However, Citigroup encounters challenges in generating cash flow, as evidenced by its negative enterprise value to operating cash flow ratio of -8.62. This figure points to difficulties in generating cash flow in relation to its enterprise value. Moreover, the high debt-to-equity ratio of 3.38 suggests a reliance on debt financing, which could affect the company's financial stability.

Liquidity remains another area of concern for Citigroup, with a current ratio of 0.37. This ratio indicates potential difficulties in covering short-term liabilities with current assets. Despite these challenges, Citigroup's earnings yield of 6.65% provides insight into the return on investment for shareholders, offering a potential incentive for investment.