Exploring Analyst Estimates for Citigroup (C) Q3 Earnings, Beyond Revenue and EPS

Core Viewpoint - Analysts expect Citigroup to report quarterly earnings of $1.36 per share, reflecting a year-over-year decline of 10.5$19.91 billion, down 1.2% from the previous year [1] Earnings Estimates - The consensus EPS estimate has been revised down by 2.9% in the past 30 days, indicating a reassessment by analysts [1] - Changes in earnings estimates are crucial for predicting investor reactions to the stock [1] Key Financial Metrics - Average balance of total interest-earning assets is estimated at $2,276.26 billion, up from$2,206.17 billion in the same quarter last year [2] - Efficiency Ratio is forecasted to be 67.3%, slightly higher than the previous year's 67.1% [2] - Leverage Ratio is expected to reach 7.3%, compared to 6% a year ago [2] Capital Ratios and Loans - Tier 1 Capital Ratio is projected at 14.8%, down from 15.3% last year [3] - Total non-accrual loans are expected to be $3.58 billion, up from$3.28 billion a year ago [3] - Total Capital Ratio is estimated at 15.4%, compared to 15.7% in the same quarter last year [3] - Corporate non-accrual loans are expected to be $1.61 billion, down from$1.98 billion last year [3] - Consumer non-accrual loans are projected at $1.72 billion, up from$1.30 billion a year ago [3] Income Projections - Net Interest Income is expected to reach $13.57 billion, down from$13.83 billion in the same quarter last year [4] - Total Non-Interest Income is projected at $6.35 billion, slightly up from$6.31 billion a year ago [4] - Administrative and other fiduciary fees are estimated at $913.90 million, down from$971 million last year [4] - Commissions and fees are expected to reach $2.53 billion, up from$2.20 billion a year ago [4] Stock Performance - Citigroup shares have increased by 11.9% in the past month, outperforming the Zacks S&P 500 composite's 5.9% increase [4]