C Earnings Predictions — 2026-07-14

Ticker Report or Guide KPI Prediction Answer Confidence
C Report Operating EPS (Q2 2026) BEAT pred ~$3.00 vs. cons $2.77 MEDIUM
C Report Total Revenue (Q2 2026) BEAT pred ~$24.5B vs. cons $23.72B MEDIUM
C Report Markets Revenue (Q2 2026) BEAT pred ~$7.0B vs. cons $6.60B MEDIUM
C Guide NII ex-Markets growth (FY2026) UNCHANGED guide 5-6% tracking toward high end vs. cons $64.45B HIGH
C Guide Efficiency Ratio (FY2026) UNCHANGED guide around 60% vs. cons 59.6% HIGH
C Guide ROTCE (FY2026) UNCHANGED guide 10-11% more confident tone vs. cons 11.1% HIGH
C Guide US Card NCL Rate (FY2026) UNCHANGED guide 4.0-4.5% maintained vs. UNVERIFIED MEDIUM
C Return Day-1 residual (stock − beta × S&P 500) +3.5% MEDIUM
C Return 5-day cumulative residual +1.5% (FOLLOW-THROUGH) FOLLOW-THROUGH — modest estimate revision lift as street moves FY EPS from ~$11.08 to ~$11.30-11.50; partially offset by profit-taking after day-1 move LOW