Q4 2025 Citigroup Inc Earnings Call Transcript
Key Points
- Citigroup Inc (C) reported strong financial performance with adjusted EPS of $1.81 and adjusted ROTC of 7.7% for the fourth quarter of 2025.
- The company achieved positive operating leverage across all five business segments, with adjusted revenues up 7% year-over-year.
- Services division delivered robust results with an 8% revenue increase and an ROTCE of over 28% for the year.
- The wealth management segment showed strong performance with 14% revenue growth and an ROTCE of over 12%.
- Citigroup Inc (C) repurchased over $13 billion in common shares during the year, demonstrating a strong commitment to returning capital to shareholders.
- Non-interest revenues excluding markets were down 17%, although adjusted for the Russian notable item, they were up 23%.
- Expenses increased by 6% due to higher compensation, benefits, tax charges, and legal expenses.
- Retail services showed some revenue softness, despite maintaining solid returns.
- The company's ROTCE of 5.1% for the fourth quarter was below the full-year adjusted ROTCE of 8.8%, indicating room for improvement.
- The efficiency ratio target of around 60% for 2026 suggests ongoing challenges in achieving cost efficiencies.
Hello, and welcome to Citi's Fourth Quarter 2025 Earnings Call. Today's call will be hosted by Jen Landis, Head of Citi Investor Relations.
We ask that you please hold all questions until the completion of the formal remarks, at which time you will be given instructions for the question-and-answer session. Also, as a reminder, this conference is being recorded today. If you have any objections, please disconnect at this time. Ms. Landis, you may begin.
Thank you, operator. Good morning and thank you all for joining our fourth quarter 2025 earnings call. I'm joined today by our Chief Executive Officer, Jane Fraser, and our Chief Financial Officer, Mark Mason. I'd like to remind you that today's presentation, which is available for download on our website, Citigroup.com, may contain forward-looking statements which are based on management's current expectations and are subject to uncertainty and changes in circumstances.
Actual results may differ materially from these statements due to a
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