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Citigroup Inc

CNYSENational Commercial BanksFiscal year ends December 31Also trades as C.PN, C.PR
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026Score 11/306% above fair value
$123.10+0.46 (+0.38%)

Close on Nov 2, 2026Market cap $206.49BP/E 13.3Yield –

Citigroup 3-Month Average Surplus Finance Charge Rate by Month

3-Month Average Surplus Finance Charge Rate (Excess Spread)

Citigroup 3-Month Average Surplus Finance Charge Rate: 17.4% in Sep 2026, up 1.7 pts from a year earlier. That is the highest of the 56 months on record here.

Latest, Sep 2026
17.42
Period ended Sep 28, 2026
Change on a year earlier
+1.7 pts
15.68 in Sep 2025
History
56 months
Since Jan 2022
Sources
56
Documents cited below

Where the Sep 2026 figure comes from

“|| 1) 3 Month Average Surplus Finance Charge Collections | 17.42 | %”

Source: Citibank Credit Card Issuance Trust Form 10-D (2026-09, filed 2026-10-15) ↗

Monthly history

Hover a value to see the sentence it was read from; calculated values show their formula

PeriodEnded3-Month Average Surplus Finance Charge Rate (Excess Spread)Year on yearSource
Sep 2026Sep 28, 202617.42+1.7 ptsCitibank Credit Card Issuance Trust Form 10-D (2026-09, filed 2026-10-15) ↗
Aug 2026Aug 28, 202617.29+1.7 ptsCitibank Credit Card Issuance Trust Form 10-D (2026-08, filed 2026-09-15) ↗
Jul 2026Jul 28, 202617.23+1.8 ptsCitibank Credit Card Issuance Trust Form 10-D (2026-07, filed 2026-08-17) ↗
Jun 2026Jun 28, 202617.18+1.7 ptsCitibank Credit Card Issuance Trust Form 10-D (2026-06, filed 2026-07-15) ↗
May 2026May 28, 202617.41+1.8 ptsCitibank Credit Card Issuance Trust Form 10-D (2026-05, filed 2026-06-15) ↗
Apr 2026Apr 28, 202617.38+1.8 ptsCitibank Credit Card Issuance Trust Form 10-D (2026-04, filed 2026-05-15) ↗
Mar 2026Mar 28, 202616.59+1.7 ptsCitibank Credit Card Issuance Trust Form 10-D (2026-03, filed 2026-04-15) ↗
Feb 2026Feb 28, 202616.27+1.8 ptsCitibank Credit Card Issuance Trust Form 10-D (2026-02, filed 2026-03-16) ↗
Jan 2026Jan 28, 202616.03–Citibank Credit Card Issuance Trust Form 10-D (2026-01, filed 2026-02-17) ↗
Dec 2025Dec 28, 202516.52+1.8 ptsCitibank Credit Card Issuance Trust Form 10-D (2025-12, filed 2026-01-15) ↗
Nov 2025Nov 28, 202516.06+1.8 ptsCitibank Credit Card Issuance Trust Form 10-D (2025-11, filed 2025-12-15) ↗
Oct 2025Oct 28, 202515.70+2.1 ptsCitibank Credit Card Issuance Trust Form 10-D (2025-10, filed 2025-11-17) ↗
Sep 2025Sep 28, 202515.68+2.1 ptsCitibank Credit Card Issuance Trust Form 10-D (2025-09, filed 2025-10-15) ↗
Aug 2025Aug 28, 202515.63+2.2 ptsCitibank Credit Card Issuance Trust Form 10-D (2025-08, filed 2025-09-15) ↗
Jul 2025Jul 28, 202515.47+1.9 ptsCitibank Credit Card Issuance Trust Form 10-D (2025-07, filed 2025-08-15) ↗
Jun 2025Jun 28, 202515.45+2.1 ptsCitibank Credit Card Issuance Trust Form 10-D (2025-06, filed 2025-07-15) ↗

Cite this data

StockData. (2026). Citigroup 3-Month Average Surplus Finance Charge Rate, monthly Jan 2022–Sep 2026 [Data set]. Compiled from Citigroup SEC filings and investor materials. https://stockdatahq.com/stocks/c/kpis/cccit-surplus-fin-chg-3m-avg-pct

See every metric in the Citigroup KPI table. Data updated Oct 29, 2026.