CITIGROUP INC(BIT:1C) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to 1C. 1C was compared to 98 industry peers in the Banks industry. 1C has a bad profitability rating. Also its financial health evaluation is rather negative. 1C has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

1C had positive earnings in the past year.

1C had a negative operating cash flow in the past year.

1C had positive earnings in each of the past 5 years.

In multiple years 1C reported negative operating cash flow during the last 5 years.

1.2 Ratios

1C has a worse Return On Assets (0.28%) than 90.91% of its industry peers.

Looking at the Return On Equity, with a value of 3.20%, 1C is doing worse than 87.50% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.28%
ROE	3.2%
ROIC	N/A

ROA(3y)0.46%

ROA(5y)0.54%

ROE(3y)5.37%

ROE(5y)6.27%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 8.48%, 1C is not doing good in the industry: 94.32% of the companies in the same industry are doing better.

1C's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for 1C so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	8.48%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-21.21%

PM growth 5Y-10.41%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

1C does not have a ROIC to compare to the WACC, probably because it is not profitable.

1C has less shares outstanding than it did 1 year ago.

The number of shares outstanding for 1C has been reduced compared to 5 years ago.

The debt/assets ratio for 1C is higher compared to a year ago.

2.2 Solvency

1C has a Debt/Equity ratio of 2.89. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 2.89, 1C is doing worse than 69.32% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	2.89
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC11.26%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 11.45% over the past year.

1C shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.49% yearly.

Looking at the last year, 1C shows a small growth in Revenue. The Revenue has grown by 3.41% in the last year.

The Revenue has been growing slightly by 1.78% on average over the past years.

EPS 1Y (TTM)11.45%

EPS 3Y-14.19%

EPS 5Y-4.49%

EPS Q2Q%59.52%

Revenue 1Y (TTM)3.41%

Revenue growth 3Y4.12%

Revenue growth 5Y1.78%

Sales Q2Q%12.26%

3.2 Future

Based on estimates for the next years, 1C will show a small growth in Earnings Per Share. The EPS will grow by 5.73% on average per year.

1C is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.49% yearly.

EPS Next Y22.03%

EPS Next 2Y24.45%

EPS Next 3Y24.13%

EPS Next 5Y5.73%

Revenue Next Year3.76%

Revenue Next 2Y3.71%

Revenue Next 3Y3.49%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.70, the valuation of 1C can be described as correct.

84.09% of the companies in the same industry are cheaper than 1C, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of 1C to the average of the S&P500 Index (28.47), we can say 1C is valued rather cheaply.

1C is valuated reasonably with a Price/Forward Earnings ratio of 10.41.

Compared to the rest of the industry, the Price/Forward Earnings ratio of 1C indicates a slightly more expensive valuation: 1C is more expensive than 65.91% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of 1C to the average of the S&P500 Index (92.74), we can say 1C is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.7
Fwd PE	10.41

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

1C's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

1C's earnings are expected to grow with 24.13% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.58

PEG (5Y)N/A

EPS Next 2Y24.45%

EPS Next 3Y24.13%

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5. Dividend

5.1 Amount

1C has a Yearly Dividend Yield of 2.74%.

Compared to an average industry Dividend Yield of 5.05, 1C's dividend is way lower than its industry peers. On top of this 85.23% of the companies listed in the same industry pay a better dividend than 1C!

1C's Dividend Yield is a higher than the S&P500 average which is at 2.28.

		Industry Rank	Sector Rank
Dividend Yield	2.74%

5.2 History

The dividend of 1C has a limited annual growth rate of 5.95%.

Dividend Growth(5Y)5.95%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

1C pays out 77.62% of its income as dividend. This is not a sustainable payout ratio.

1C's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP77.62%

EPS Next 2Y24.45%

EPS Next 3Y24.13%

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CITIGROUP INC

BIT:1C (1/28/2025, 7:00:00 PM)

76.6

-1.73 (-2.21%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-15 2025-01-15/bmo

Earnings (Next)N/A N/A

Inst Owners72.47%

Inst Owner ChangeN/A

Ins Owners0.32%

Ins Owner ChangeN/A

Market Cap144.87B

Analysts80.71

Price Target88.43 (15.44%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.74%

Yearly Dividend2.71

Dividend Growth(5Y)5.95%

DP77.62%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)9.98%

Min EPS beat(2)7.18%

Max EPS beat(2)12.78%

EPS beat(4)4

Avg EPS beat(4)17.5%

Min EPS beat(4)2.01%

Max EPS beat(4)48.03%

EPS beat(8)7

Avg EPS beat(8)12.53%

EPS beat(12)11

Avg EPS beat(12)15.67%

EPS beat(16)15

Avg EPS beat(16)21.01%

Revenue beat(2)1

Avg Revenue beat(2)-0.61%

Min Revenue beat(2)-1.62%

Max Revenue beat(2)0.39%

Revenue beat(4)2

Avg Revenue beat(4)-2.14%

Min Revenue beat(4)-8.75%

Max Revenue beat(4)1.41%

Revenue beat(8)4

Avg Revenue beat(8)-0.46%

Revenue beat(12)6

Avg Revenue beat(12)0.39%

Revenue beat(16)10

Avg Revenue beat(16)0.81%

PT rev (1m)22.57%

PT rev (3m)36.93%

EPS NQ rev (1m)0.92%

EPS NQ rev (3m)-5.91%

EPS NY rev (1m)3.63%

EPS NY rev (3m)4.75%

Revenue NQ rev (1m)0.52%

Revenue NQ rev (3m)0.09%

Revenue NY rev (1m)1.53%

Revenue NY rev (3m)2.07%

Valuation

		Industry Rank	Sector Rank
PE	12.7
Fwd PE	10.41
P/S	1.9
P/FCF	N/A
P/OCF	N/A
P/B	0.72
P/tB	0.81
EV/EBITDA	N/A

EPS(TTM)6.03

EY7.87%

EPS(NY)7.36

Fwd EY9.6%

FCF(TTM)-28.5

FCFYN/A

OCF(TTM)-25.14

OCFYN/A

SpS40.42

BVpS106.97

TBVpS94.79

PEG (NY)0.58

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.28%
ROE	3.2%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	8.48%
GM	N/A
FCFM	N/A

ROA(3y)0.46%

ROA(5y)0.54%

ROE(3y)5.37%

ROE(5y)6.27%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-21.21%

PM growth 5Y-10.41%

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	2.89
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	147.33%
Cap/Sales	8.33%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score3

WACC11.26%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)11.45%

EPS 3Y-14.19%

EPS 5Y-4.49%

EPS Q2Q%59.52%

EPS Next Y22.03%

EPS Next 2Y24.45%

EPS Next 3Y24.13%

EPS Next 5Y5.73%

Revenue 1Y (TTM)3.41%

Revenue growth 3Y4.12%

Revenue growth 5Y1.78%

Sales Q2Q%12.26%

Revenue Next Year3.76%

Revenue Next 2Y3.71%

Revenue Next 3Y3.49%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y11.18%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y12.17%

OCF growth 3YN/A

OCF growth 5YN/A

CITIGROUP INC (1C.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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