Citigroup (NYSE: C) reports quarter and full-year 2025 earnings details

Rhea-AI Filing Summary

Citigroup Inc. filed a current report to disclose that it has announced its results for the quarter and year ended December 31, 2025. The company is providing full details through a press release, which is included as Exhibit 99.1, and a Quarterly Financial Data Supplement, included as Exhibit 99.2.

The press release contains CEO commentary and comprehensive financial information, while the data supplement offers more detailed quantitative data. The filing also references Exhibit 99.3, which lists Citigroup’s securities registered under Section 12(b) of the Exchange Act, helping readers understand the company’s listed securities as of the filing date.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

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CURRENT REPORT

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Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

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Date of Report (Date of earliest event reported) January 14, 2026

Citigroup Inc.

(Exact name of registrant as specified in its charter)

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Delaware	1-9924	52-1568099
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)
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388 Greenwich Street, New York, NY (Address of principal executive offices)	​	10013 (Zip Code)

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(212) 559-1000

(Registrant's telephone number,
including area code)

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

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☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

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☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

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☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

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☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934 formatted in Inline XBRL: See Exhibit 99.3

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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Emerging growth company   ☐

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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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CITIGROUP INC.

Current Report on Form 8-K

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Item 2.02 Results of Operations and Financial Condition.

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On January 14, 2026, Citigroup Inc. announced its results for the quarter and year ended December 31, 2025. A copy of the related press release, filed as Exhibit 99.1 to this Form 8-K, is incorporated herein by reference. The quotation under the heading “CEO Commentary” on page 1 of Exhibit 99.1 shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (Act) or otherwise subject to the liabilities under that Section. The information included in Exhibit 99.1, other than in the quotation, shall be deemed “filed” for purposes of the Act.

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In addition, a copy of the Citigroup Inc. Quarterly Financial Data Supplement for the quarter and year ended December 31, 2025 is being furnished as Exhibit 99.2 to this Form 8-K and shall not be deemed to be “filed” for purposes of Section 18 of the Act or otherwise subject to the liabilities of that section.

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Item 9.01 Financial Statements and Exhibits.

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(d) Exhibits.

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Exhibit Number	​ ​ ​	​
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99.1	​	Citigroup Inc. press release dated January 14, 2026.
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99.2	​	Citigroup Inc. Quarterly Financial Data Supplement for the quarter and year ended December 31, 2025.
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99.3	​	Citigroup Inc. securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934 as of the filing date.
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104.1	​	See the cover page of this Current Report on Form 8-K, formatted in Inline XBRL.

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SIGNATURE

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Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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​	​	CITIGROUP INC.
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Dated: January 14, 2026	​	​
​	By:	/s/ Nicole Giles
​	​	Nicole Giles
​	​	Controller and Chief Accounting Officer
​	​	(Principal Accounting Officer)

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FAQ

What did Citigroup (C) disclose in this 8-K filing?

Citigroup Inc. disclosed that it announced its results for the quarter and year ended December 31, 2025, and provided a press release (Exhibit 99.1) and a Quarterly Financial Data Supplement (Exhibit 99.2) with detailed information.

Which financial periods are covered by Citigroup’s latest results in this filing?

The results disclosed relate to Citigroup Inc.’s performance for the quarter and year ended December 31, 2025.

What information is included in Exhibit 99.1 for Citigroup (C)?

Exhibit 99.1 is a Citigroup Inc. press release dated January 14, 2026, containing the company’s results for the quarter and year ended December 31, 2025 and CEO commentary, with the CEO quotation expressly not deemed filed under Section 18 of the Exchange Act.

What is contained in Exhibit 99.2 of Citigroup’s 8-K?

Exhibit 99.2 is the Citigroup Inc. Quarterly Financial Data Supplement for the quarter and year ended December 31, 2025, providing additional detailed financial data and is furnished, not filed, for purposes of Section 18 of the Exchange Act.

How does Citigroup (C) treat the CEO commentary in this disclosure?

The quotation under the heading “CEO Commentary” on page 1 of Exhibit 99.1 is specifically stated not to be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that section.

What does Exhibit 99.3 in Citigroup’s 8-K represent?

Exhibit 99.3 lists Citigroup Inc. securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934 as of the filing date, formatted in Inline XBRL.

Who signed this Citigroup (C) 8-K and in what capacity?

The report was signed on behalf of Citigroup Inc. by Nicole Giles, who is the Controller and Chief Accounting Officer and serves as the principal accounting officer.