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Citigroup Inc.
C - NYSE - $131.72 ▼ -%2.35
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Earnings
Tue 13 Oct
Citigroup opens the
books on Tuesday evening.
9 analysts' median target is $151[FMP target], stock is $132, +14.3% vs the analyst consensus median. After Q2 +15.0% EPS beat[FMP earnings], the stock moved +1.2%.
↓
summary below
Quick Take - in 40 seconds
C+
HOLD
Council 1/6
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Moonshot 44
C+ = MoonshotScore 44[multi-pillar formula] + Council 1/6[6-lens rule]. Form 4: 0 transactions[FMP Form 4].
Quick AnswerCitigroup Inc. (C)
Q1 consensus: revenue $23.6B[FMP est], EPS $2.71[FMP est]. 2 consecutive quarters of beat[FMP earnings].
$2.71
EPS Estimate
Last year $3.06 - +46% YoY YoY
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Primary Segment Guidance
Previous quarter was 0%
2
Beat Streak
Expectations beaten consecutively for the last 2 quarters
Q2 EPS +15.0% beat[FMP] but the stock +1.2% D+1[FMP D+1].
Stock Expert AI - Methodology
Do our scoring pillars, 7 perspectives, and Munger lens point in the same direction?
MoonshotScore
44 / 100
multi-pillar methodology. Gross Margin and News Sentiment strong. Revenue Growth weak.
How is it calculated? ->
Revenue Growth0.0
Q2 vs Q3: growth negative (-43.5%, contraction)
Gross Margin10.0
Q2: very high margin (100.0%, software/cloud territory)
Operating Leverage3.0
op margin very strong (32.4%, scale leverage)
Cash Runway3.0
FCF negative ($-23.3B, external financing needed)
R&D Intensity3.0
low R&D investment (1.5%, weak innovation)
Price Momentum4.0
RSI 39.9 weak momentum, 50d below
News Sentiment8.0
strong buy consensus (78%)
Council Score
1 / 6 Bullish
6 investor frameworks. 1 bullish (Ray Dalio), 1 bearish (Ken Griffin), 4 neutral (Jim Simons, Klarman, Buffett, Munger).
How is it calculated? ->
Ray Dalio macro - target upside +14.3%
Ken Griffin flow - 50d MA below
Jim Simons quant - RSI 40
Klarman value - target upside +14.3%
Buffett quality - ROE score 3/5
Munger valuation - target upside +14.3%
Munger's Mindset character & balance sheet lens
Fairly Valued
Quality business, trading at fair value.
How is it calculated? ->
Interest CoverageAdequate
Technical Levels - Pre-earnings positioning
What levels is the stock being tested at?
RSI(14)
39.9
RSI 39.9 weak momentum, 50d below
MACD
-1.60
price below 50d - resistance dominant
50d MA
$134
stock 1.6% below - short-term resistance
200d MA
$117
stock 12.6% above - long-term support
Volume (10d)
-31%
decrease - low participation
Resistance
$151
Analyst median target - upgrade trigger if broken
Current
$132
Pre-earnings position
Support
$99
Invalidation - close below this is a technical breakdown
Pattern
Range
$99-$151 band - earnings breakout/breakdown trigger
Past Performance
Citigroup's last 8 quarters: 2 consecutive beats.
BEAT
Q3 FY25
$1.86 vs $1.73 est - -0.1%
MISS
Q4 FY25
$1.19 vs $1.80 est - +1.6%
BEAT
Q1 FY26
$3.06 vs $2.65 est - +1.6%
BEAT
Q2 FY26
$3.15 vs $2.74 est - +1.2%
Q2 (July 14, 2026): EPS $3.15 vs $2.74 est[FMP], +15.0% beat. D+1 movement: +1.2%[FMP D+1]. Decline despite beat - market reacted to guidance, not numbers.
Three scenarios: what could happen?
EPS < $2.63 (no guidance)
Q2: EPS $3.15 vs $2.74 beat[FMP], stock +1.2% D+1[FMP].
Backlog concentration
No RPO/backlog concentration disclosed in Q2 earnings call.
Insider trading signal
Form 4 data is marked in the table - this page does not generate assumptions for this stock.
Our FMP plan does not provide Form 4 insider feed for this stock. This page does not generate assumptions - SEC EDGAR Form 4 can be monitored directly.
CapEx shock
Q2 CapEx $1.4B[FMP cashflow]. Q2 op margin 32.4%[FMP op margin] - this level in Q1 is sensitive to CapEx revision risk.
Framework - Position discipline
After the data arrives: 3 scenarios, 3 windows
Not advice - a structural framework for earnings night. Decision discipline is yours.
Scenario A - Beat
Q1 EPS > $2.71 + CapEx discipline
Threshold: EPS > $2.71[FMP est].
Target: Break above median target $151[FMP target]; high target $165[FMP] upper bound.
Scenario B - In-Line
EPS approx $2.71 + CapEx < $1.4B
Threshold: EPS approx $2.71[FMP est], Q1 CapEx < $1.4B[FMP].
Target: Consolidation in the band between current $132[FMP] and median $151[FMP].
Scenario C - Miss
EPS < $2.63 or CapEx >= $1.4B
Threshold: EPS < $2.63[FMP estx0.97].
Target: Current $132 below SMA200 $117[FMP], if rejection continues, $99[derived] support activates.
Sizing
Earnings volatility -> max portfolio 1-2%. Waiting for earnings is not a gamble, it's a position entrustment.
Timing
IV crush within 24 hours post-earnings. Waiting for premium decay makes options preferable to spot.
Staging
Don't go all-in at once, divide into 3: initial reaction, 24 hours later, after Friday's close.
Market Outlook
What do 9 analysts say?
Wall Street Consensus
$151
12-month median target price (+14.3% gap to the analyst consensus median)
Risk Management
$99
Invalidation level - critical support threshold
$134 - 50-day MA (below, -1.6%)
$117 - 200-day MA (above, +12.6%)
IV Crush risk (sudden drop in inflated option premiums before earnings): Option premiums are inflated before earnings.
Verdict - C Q1 FY27
C+
You read it in 5 minutes. When the numbers come out on Tuesday evening - you know what you're looking at.
Data arrives at night. The framework is ready now.
Data arrives on Tuesday evening. The framework is ready on this page: Q1 EPS threshold $2.71[FMP], CapEx threshold "below $1.4B. Two anchors, three scenarios.
Comparison
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3 subscriptions. 1 platform.
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TipRanks $360/yr - Smart Score (1-10) + analyst consensus + insider trades
Trendspider $400/yr - AI pattern detection + automated TA + multi-timeframe alerts
Prices as of April 2026. Sources: seekingalpha.com/subscriptions - tipranks.com/pricing - trendspider.com/pricing
Stock Expert AI is free today — no credit card. Council 7-lens analysis + MoonshotScore multi-pillar + Insider tracker + Technical levels - all in one platform, for every stock.
Educational tool, not investment advice. Past performance does not guarantee future results.
Calendar
Catalyst Calendar - 90-day forward look
Oct 13, 2026EARNINGSQ1 FY27 results (after market close) + earnings call
Oct 14, 2026PRICEFirst trading day after earnings - 200dMA test + IV crush
Nov 27, 2026FILING10-Q deadline - segment breakdown + RPO detail (SEC rule: quarter-end + 45 days)
~Jan 13, 2027EARNINGSQ2 FY27 (next quarter, date not yet scheduled in FMP)
DATA GAP: Events not in the FMP /stable/calendar feed - Investor day, analyst day, product launches, regulatory dates. These require company IR page scraping or manual calendar entry.
Frequently Asked Questions
What does the C earnings preview cover?
This Citigroup Inc. (C) earnings preview covers the analyst consensus, key catalysts, and what to watch on the earnings call.
What should investors watch for in C earnings?
Citigroup Inc. (C): Consensus EPS, revenue guidance, segment growth rates, and the tone of management commentary — the full breakdown with sources is on this page.
Where do the numbers on this page come from?
Citigroup Inc. (C): Figures are sourced from Financial Modeling Prep (FMP) fundamentals and consensus data plus official earnings-call transcripts; derived metrics are labeled with their source next to each figure.
Is this a buy or sell recommendation?
Citigroup Inc. (C): No. This page is educational research, not investment advice. It summarizes analyst consensus and company data; consult a licensed financial advisor before making any investment decision.