How to Trade Citi After Q4 2025 Earnings
Citigroup (NYSE: C), headquartered in New York City, is one of the world’s largest banking groups, providing financial services to consumers and businesses in more than 180 countries.
The firm operates through five core interconnected businesses: Services, Markets, Banking and International, Wealth, and U.S. Consumer Cards. Through these divisions, the bank offers a wide range of financial services, including corporate and investment banking, trading, lending, wealth management, and credit card services.
Citigroup recently reported its fourth-quarter 2025 results. Here’s a closer look at its performance and what analysts are forecasting for the stock.
The information in this article is provided for educational purposes only and does not constitute financial advice. Consult a financial advisor before making investment decisions.
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Citi’s Q4 2025 Earnings Performance Summary
Key Takeaways
- Revenue growth appeared modest, but underlying business performance was stronger after adjusting for one-time charges. Fourth quarter revenue rose 2% year over year to $19.9 billion, while full-year revenue increased 6% to $85.2 billion. Excluding a $1.1 billion after-tax loss tied to Citi’s planned exit from its Russian operations, fourth-quarter revenue would have reached $21.0 billion, up 8% YoY, reflecting modest performance across several core businesses.
- Quarterly profit declined due to the Russia divestiture charge, but full-year earnings improved. Fourth quarter net income fell 13% YoY to $2.5 billion. For the full year, net income rose 13% to $14.3 billion, supported by revenue growth.
- Core operating segments showed strong momentum, particularly in Banking and Services.
- Banking revenue: $2.2 billion (+78% YoY), driven by stronger corporate lending and investment banking activity.
- Services revenue: $5.9 billion (+15% YoY), supported by higher deposit balances and transaction activity in Treasury and Trade Solutions.
- Wealth revenue: $2.1 billion (+7% YoY), reflecting growth in Citigold and the Private Bank.
- U.S. Personal Banking revenue: $5.3 billion (+3% YoY), supported by branded cards and retail banking.
- Markets revenue: $4.5 billion (−1% YoY), reflecting slightly lower performance in fixed income and equity trading compared with a strong quarter in the prior year.
- The CEO of Citigroup Jane Fraser said, “We enter 2026 with visible momentum across the firm and are committed to reaching our target of 10-11% return on tangible common equity (RoTCE) for the year and positioning Citi for improved returns above that level in the years ahead.”
Citi’s 12-Month Analyst Stock Price Forecast
According to 17 Wall Street analysts, polled by TipRanks, offering a 12-month stock price forecast for Citigroup over the past 3 months:
- Buy Ratings: 15
- Hold Ratings: 2
- Sell Ratings: 0
- Average Price Target: $133.35
- High Price Target: $152.00
- Low Price Target: $87.00
Trading Strategy Example: Citigroup Inc.
The following trading examples are for educational purposes only and do not constitute investment advice. Investors should conduct independent research before making trading decisions. An example trading idea for the Citigroup share price could be as follows:
Remember, markets are volatile, and Citi’s share price can fluctuate and may even trend lower. In the current environment, geopolitical tensions, including the recent escalation involving Iran, may increase the risk of a broader economic shock. If this were to occur, it could weigh on investor sentiment and potentially affect global markets. In addition, potential changes in interest-rate expectations and broader market conditions could influence how the bank performs over time.
How to Buy Citi Stock in 4 Steps
- Open an account with Admirals and complete the onboarding process to access the dashboard.
- Click on Trade or Invest on one of your live or demo accounts to open the web platform.
- Search for your stock in the search window at the top.
- Input your entry, stop-loss and take profit levels in the trading ticket.
Do You See the Citi Stock Price Moving Differently?
If you believe there is a higher chance that the share price of Citi will move lower, then you can also trade short using CFDs (Contracts for Difference). However, these have higher associated risks and are not suitable for all investors. Learn more about CFDs in this How to Trade CFDs article.
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