EI Earnings Insight Lab
Citigroup Inc.

Citigroup Inc. Q2 2025 Earnings Analysis

Reported on 2025-08-06 / Fiscal Quarter Q2 2025
Revenue Down YoY Sequential Improvement Margin Under Pressure EPS Up YoY Mixed Quarter
Citigroup Inc. faced a challenging Q2 2025, with pressure on both growth and profitability.

Revenue declined 0.7% year over year and rose 2.7% sequentially. Margins weakened from the previous quarter, indicating ongoing pressure on profitability. Citigroup Inc. also posted year-over-year earnings growth, reinforcing a more resilient operating profile.

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Source: Company filings / processed earnings data
Revenue
$42.4B
YoY: -0.6708%
QoQ: 2.6591%
Net Income
$4.0B
YoY: 24.9301%
QoQ: -1.11%
EPS (Diluted)
$1.96
YoY: 28.95%
Net Margin
9.5%
YoY: 1.94 pts
QoQ: -0.36 pts
Gross Margin
44.4%
Operating Margin
12.3%
Growth

Revenue trend

Revenue remains weak year over year, but sequential improvement suggests near-term stabilization.

Profitability

Margin and earnings quality

Margins deteriorated from last quarter, indicating weaker profit conversion.

Investor Focus

What matters next

Investors will continue watching execution quality.

Revenue & YoY Growth

Quarterly

Revenue trend and year-over-year growth across recent reported quarterly periods.

Net Income & Net Margin

Quarterly

Net income and net margin trend over recent reported quarterly periods.

Revenue Analysis

Citigroup Inc. reported $42.4B in revenue for Q2 2025, down 0.7% YoY and up 2.7% QoQ. The result suggests that although topline pressure remains, quarterly demand may be starting to stabilize.

Revenue Snapshot
Current Quarter $42.4B
Previous Quarter $41.3B
Same Quarter Last Year $42.6B
YoY Change -0.7%
QoQ Change +2.7%

Profitability Analysis

Net income came in at $4.0B, up 24.9% YoY and down 1.1% QoQ. Net margin was 9.5%. Sequential margin deterioration suggests profitability remains under pressure.

Profitability Snapshot
Net Income $4.0B
EPS $1.96
Net Margin 9.5%
QoQ Margin Change -0.4 pts

Frequently Asked Questions

Quick factual answers for this report. Need the why behind them? Ask the report assistant.

What was Citigroup Inc.'s revenue in Q2 2025?

Citigroup Inc. reported revenue of $42.4B in Q2 2025.

What was Citigroup Inc.'s net income in Q2 2025?

Citigroup Inc. reported net income of $4.0B in Q2 2025.

How did Citigroup Inc.'s revenue change year over year?

Citigroup Inc.'s revenue decreased by 0.7% year over year in Q2 2025.

What was Citigroup Inc.'s net margin in Q2 2025?

Citigroup Inc.'s net margin was 9.5% in Q2 2025.

Related
Citigroup Inc. Q1 2025 Earnings

Compare this quarter with the previous earnings report.

Related
Citigroup Inc. Company Overview

Explore company profile, industry, and historical context.

Related
Citigroup Inc. Revenue & Profit Trends

View more quarterly financial trend pages for this company.

Data Source & Methodology

Financial data is sourced from company filings and internal processed earnings data.

YoY and QoQ values are derived from reported quarterly figures when not directly available.

This page is for informational purposes only and does not constitute investment advice.

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