Citigroup Q4 2025 Earnings Call Highlights: Strong Revenue Growth and Strategic Investments

Citigroup reported Q4 2025 earnings with adjusted EPS of $1.81, adjusted ROTCE of 7.7%, and full-year adjusted net income over $16 billion. Revenue growth was 7%, with services revenue up 8% and fee revenue up 6%. The company repurchased over $13 billion in common shares during the year and achieved positive operating leverage across all five business segments. However, expenses increased by 6% due to higher compensation, benefits, tax charges, and legal expenses.