Citigroup (C): FY26 Q3 earnings call, Oct 13, 2026

Tue, Oct 13Earnings callSpeaker-labelled transcriptCitigroup

On its Oct 13, 2026 earnings call (FY26 Q3), Citigroup said 8 of the 14 words Kalshi listed; Parrot’s count agreed with all 14 settlements. Quotes below are at most 25 words each, with timed clips.

Updated

Markets

14 words · 8 settled yes · our count agreed on 14 of 14

backtest The probabilities on settled rows are a walk-forward backtest: the model as of before each event, computed after Parrot went live; they were not published at the time.

Listed words: result, our count under the market rule, the count over every speaker, whether they agree, and the probability (a walk-forward backtest on settled rows)
WordResultOur countAll speakersAgreesProbabilityClipMarket
Banamex Yes77✓92%n=2+tx from settlement history blended with transcriptsHear it 5:38, Banamex–
Buyback / Buy Back Yes611✓87%transcripts from the transcript modelHear it 6:15, Buyback / Buy Back–
Custody Yes66✓82%transcripts from the transcript modelHear it 2:59, Custody–
Credit Card Yes23✓80%n=2+tx from settlement history blended with transcriptsHear it 13:20, Credit Card–
FICO Yes22✓74%n=1+tx from settlement history blended with transcriptsHear it 13:26, FICO–
Basel 3 Yes12✓73%n=2+tx from settlement history blended with transcriptsHear it 46:07, Basel 3–
Dividend Yes11✓63%n=2+tx from settlement history blended with transcriptsHear it 15:00, Dividend–
Headwind Yes11✓56%n=2+tx from settlement history blended with transcriptsHear it 8:30, Headwind–
Inflation No00✓75%n=2+tx from settlement history blended with transcripts–
Headcount No00✓73%n=2+tx from settlement history blended with transcripts–
Tailwind No00✓57%n=2+tx from settlement history blended with transcripts–
Tariff No00✓56%n=2+tx from settlement history blended with transcripts–
Recession No00✓19%n=2+tx from settlement history blended with transcripts–
Hormuz / Iran No00✓12%n=1+tx from settlement history blended with transcripts–

Market prices are mid quotes from Kalshi and Polymarket, shown for context, may be delayed by several minutes and are not a signal. Quotes as of Oct 20, 2026 15:46 UTC.

Transcript

quotes of at most 25 words

Speaker-labelled transcript · Source and credits · Used to count words; quotes of at most 25 words.

2 matches for “FICO”; 2 quoted, at least 25 words apart.

Gonzalo Luchetticompanyprepared · 13:28Hear it 13:22, Gonzalo Luchetti

…credit card portfolio with approximately 86% of balances extended to consumers with FICO scores of 660 or higher, and a reserve to funded loan ratio…

Gonzalo Luchetticompanyqa · 1:01:53Hear it 1:01:47, Gonzalo Luchetti

…quite a bit higher, some of the marginal segments probably below the FICO band, they're going to feel a bit of pressure in terms of…

Where the listed words were said

Jane Frasercompany“Banamex” · prepared · 5:40Hear it 5:34, Jane Fraser

…franchises, we closed on the sale of a 1.4% equity stake of Banamex, bringing the total amount divested so far to 49%. We're now busy…

Jane Frasercompany“Buyback / Buy Back” · prepared · 6:17Hear it 6:11, Jane Fraser

…$4 billion to our shareholders this quarter, including $3 billion in share buybacks. We have also utilized about 900 million of our disallowed DTAs so…

Jane Frasercompany“Custody” · prepared · 3:01Hear it 3:00, Jane Fraser

…in the U.A.E. and Japan and the introduction of Custody+. Assets under custody and administration grew by 16%, and we are laser-focused on winning and…

Gonzalo Luchetticompany“Credit Card” · prepared · 24:29Hear it 24:29, Gonzalo Luchetti

…expectations for the fourth quarter, we now expect a full-year total U.S. Credit Cards NCL rate of around 4%, the low end of the range…

Gonzalo Luchetticompany“Basel 3” · qa · 46:09Hear it 46:03, Gonzalo Luchetti

…the new set of SCB happens, and then as well as the Basel III and the G-SIB components as well. That build up between the…

Gonzalo Luchetticompany“Dividend” · prepared · 15:02Hear it 14:56, Gonzalo Luchetti

…billion in buybacks and the 12% increase in our quarterly common stock dividend. We ended the quarter at 12.8% CET1 ratio under the binding standardized…

Jane Frasercompany“Headwind” · prepared · 8:32Hear it 8:31, Jane Fraser

…environment, conditions did soften a bit during the third quarter. While various headwinds, most recently higher energy prices and tighter monetary policies, have been challenging,…

Agents: this page as TSV at /api/v1/appearances/citigroup:2026-10-13:earnings_call · words: /api/v1/brief?appearance=citigroup:2026-10-13:earnings_call · columnar JSON in #parrot-data · llms.txt · MCP