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CITIGROUP INC (1C.MI) Stock Fundamental Analysis

BIT:1C - Euronext Milan - US1729674242 - Common Stock - Currency: EUR

66.76  -8.94 (-11.81%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to 1C. 1C was compared to 99 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.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

1C had positive earnings in the past year.
In the past year 1C has reported a negative cash flow from operations.
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.
1C.MI Yearly Net Income VS EBIT VS OCF VS FCF1C.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B -60B

1.2 Ratios

1C has a Return On Assets of 0.49%. This is in the lower half of the industry: 1C underperforms 64.52% of its industry peers.
1C's Return On Equity of 5.49% is on the low side compared to the rest of the industry. 1C is outperformed by 67.74% of its industry peers.
Industry RankSector Rank
ROA 0.49%
ROE 5.49%
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
1C.MI Yearly ROA, ROE, ROIC1C.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

Looking at the Profit Margin, with a value of 14.12%, 1C is doing worse than 74.19% of the companies in the same industry.
1C's Profit Margin has declined in the last couple of years.
1C does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 14.12%
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
1C.MI Yearly Profit, Operating, Gross Margins1C.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

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1

2. Health

2.1 Basic Checks

1C does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, 1C has less shares outstanding
1C has less shares outstanding than it did 5 years ago.
The debt/assets ratio for 1C is higher compared to a year ago.
1C.MI Yearly Shares Outstanding1C.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B
1C.MI Yearly Total Debt VS Total Assets1C.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T 2T

2.2 Solvency

1C has a Debt/Equity ratio of 2.77. This is a high value indicating a heavy dependency on external financing.
1C has a worse Debt to Equity ratio (2.77) than 63.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.77
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.13%
1C.MI Yearly LT Debt VS Equity VS FCF1C.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100B 200B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1C.MI Yearly Current Assets VS Current Liabilites1C.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B

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4

3. Growth

3.1 Past

1C shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.45%, which is quite good.
The Earnings Per Share has been decreasing by -4.49% on average over the past years.
Looking at the last year, 1C shows a small growth in Revenue. The Revenue has grown by 3.41% in the last year.
Measured over the past years, 1C shows a small growth in Revenue. The Revenue has been growing by 1.78% on average per year.
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

1C is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.73% yearly.
Based on estimates for the next years, 1C will show a small growth in Revenue. The Revenue will grow by 3.55% on average per year.
EPS Next Y22.26%
EPS Next 2Y24.11%
EPS Next 3Y22.15%
EPS Next 5Y5.73%
Revenue Next Year3.75%
Revenue Next 2Y3.72%
Revenue Next 3Y3.55%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
1C.MI Yearly Revenue VS Estimates1C.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 20B 40B 60B 80B
1C.MI Yearly EPS VS Estimates1C.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6 8 10

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.63, the valuation of 1C can be described as reasonable.
Based on the Price/Earnings ratio, 1C is valued a bit more expensive than 72.04% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.35, 1C is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.52, the valuation of 1C can be described as very reasonable.
1C's Price/Forward Earnings ratio is in line with the industry average.
1C is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.63
Fwd PE 9.52
1C.MI Price Earnings VS Forward Price Earnings1C.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1C.MI Per share data1C.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60 80 100

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 22.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)N/A
EPS Next 2Y24.11%
EPS Next 3Y22.15%

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4

5. Dividend

5.1 Amount

1C has a Yearly Dividend Yield of 3.17%. Purely for dividend investing, there may be better candidates out there.
1C's Dividend Yield is slightly below the industry average, which is at 5.06.
Compared to an average S&P500 Dividend Yield of 2.33, 1C pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.17%

5.2 History

The dividend of 1C has a limited annual growth rate of 2.51%.
Dividend Growth(5Y)2.51%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

1C pays out 45.37% of its income as dividend. This is a bit on the high side, but may be sustainable.
1C's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP45.37%
EPS Next 2Y24.11%
EPS Next 3Y22.15%
1C.MI Yearly Income VS Free CF VS Dividend1C.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B -60B
1C.MI Dividend Payout.1C.MI Dividend Payout, showing the Payout Ratio.1C.MI Dividend Payout.PayoutRetained Earnings

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CITIGROUP INC

BIT:1C (3/5/2025, 7:00:00 PM)

66.76

-8.94 (-11.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-15 2025-01-15/bmo
Earnings (Next)04-15 2025-04-15/bmo
Inst Owners76.31%
Inst Owner ChangeN/A
Ins Owners0.25%
Ins Owner ChangeN/A
Market Cap125.81B
Analysts80.74
Price Target88.26 (32.2%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.17%
Yearly Dividend2.53
Dividend Growth(5Y)2.51%
DP45.37%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.24%
Min EPS beat(2)7.7%
Max EPS beat(2)12.78%
EPS beat(4)4
Avg EPS beat(4)18.92%
Min EPS beat(4)7.18%
Max EPS beat(4)48.03%
EPS beat(8)8
Avg EPS beat(8)14.2%
EPS beat(12)11
Avg EPS beat(12)15.99%
EPS beat(16)15
Avg EPS beat(16)18.22%
Revenue beat(2)1
Avg Revenue beat(2)-0.56%
Min Revenue beat(2)-1.5%
Max Revenue beat(2)0.39%
Revenue beat(4)2
Avg Revenue beat(4)-0.33%
Min Revenue beat(4)-1.62%
Max Revenue beat(4)1.41%
Revenue beat(8)4
Avg Revenue beat(8)-0.48%
Revenue beat(12)6
Avg Revenue beat(12)0.29%
Revenue beat(16)9
Avg Revenue beat(16)0.47%
PT rev (1m)-0.2%
PT rev (3m)22.32%
EPS NQ rev (1m)-0.27%
EPS NQ rev (3m)1.21%
EPS NY rev (1m)0.19%
EPS NY rev (3m)3.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.52%
Valuation
Industry RankSector Rank
PE 11.63
Fwd PE 9.52
P/S 1.68
P/FCF N/A
P/OCF N/A
P/B 0.65
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)5.74
EY8.6%
EPS(NY)7.02
Fwd EY10.51%
FCF(TTM)-12.79
FCFYN/A
OCF(TTM)-9.61
OCFYN/A
SpS39.66
BVpS101.96
TBVpS90.33
PEG (NY)0.52
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.49%
ROE 5.49%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.12%
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-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.77
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 150.78%
Cap/Sales 8.01%
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-Score6
WACC11.13%
ROIC/WACCN/A
Cap/Depr(3y)142.43%
Cap/Depr(5y)123.75%
Cap/Sales(3y)7.96%
Cap/Sales(5y)6.83%
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 Y22.26%
EPS Next 2Y24.11%
EPS Next 3Y22.15%
EPS Next 5Y5.73%
Revenue 1Y (TTM)3.41%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%12.26%
Revenue Next Year3.75%
Revenue Next 2Y3.72%
Revenue Next 3Y3.55%
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 1Y67.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y73.21%
OCF growth 3YN/A
OCF growth 5YN/A