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CITIGROUP INC (C) Stock Fundamental Analysis

NYSE:C - New York Stock Exchange, Inc. - US1729674242 - Common Stock - Currency: USD

63.25  +1.15 (+1.85%)

After market: 63.35 +0.1 (+0.16%)

Fundamental Rating

3

C gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. C may be in some trouble as it scores bad on both profitability and health. C 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

C had positive earnings in the past year.
C had a negative operating cash flow in the past year.
Each year in the past 5 years C has been profitable.
In multiple years C reported negative operating cash flow during the last 5 years.
C Yearly Net Income VS EBIT VS OCF VS FCFC 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

The Return On Assets of C (0.49%) is worse than 73.37% of its industry peers.
The Return On Equity of C (5.49%) is worse than 71.11% 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
C Yearly ROA, ROE, ROICC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

C's Profit Margin of 14.12% is on the low side compared to the rest of the industry. C is outperformed by 76.13% of its industry peers.
In the last couple of years the Profit Margin of C has declined.
The Operating Margin and Gross Margin are not available for C so they could not be analyzed.
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
C Yearly Profit, Operating, Gross MarginsC 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

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

A Debt/Equity ratio of 2.77 is on the high side and indicates that C has dependencies on debt financing.
C has a worse Debt to Equity ratio (2.77) than 93.97% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.77
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.75%
C Yearly LT Debt VS Equity VS FCFC 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
C Yearly Current Assets VS Current LiabilitesC 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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5

3. Growth

3.1 Past

C shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.24%, which is quite good.
C shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.49% yearly.
The Revenue has been growing slightly by 4.49% in the past year.
Measured over the past years, C shows a small growth in Revenue. The Revenue has been growing by 1.78% on average per year.
EPS 1Y (TTM)13.24%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%5.38%
Revenue 1Y (TTM)4.49%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%2.33%

3.2 Future

C is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.77% yearly.
C is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.18% yearly.
EPS Next Y21.8%
EPS Next 2Y24.09%
EPS Next 3Y22.12%
EPS Next 5Y8.77%
Revenue Next Year3.24%
Revenue Next 2Y3.33%
Revenue Next 3Y3.18%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
C Yearly Revenue VS EstimatesC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20B 40B 60B 80B
C Yearly EPS VS EstimatesC 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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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.99, the valuation of C can be described as reasonable.
68.59% of the companies in the same industry are more expensive than C, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 28.29, C is valued rather cheaply.
A Price/Forward Earnings ratio of 6.59 indicates a rather cheap valuation of C.
C's Price/Forward Earnings ratio is rather cheap when compared to the industry. C is cheaper than 91.96% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.08, C is valued rather cheaply.
Industry RankSector Rank
PE 9.99
Fwd PE 6.59
C Price Earnings VS Forward Price EarningsC 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
C Per share dataC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60 80 100

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as C's earnings are expected to grow with 22.12% in the coming years.
PEG (NY)0.46
PEG (5Y)N/A
EPS Next 2Y24.09%
EPS Next 3Y22.12%

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6

5. Dividend

5.1 Amount

C has a Yearly Dividend Yield of 3.61%.
In the last 3 months the price of C has falen by -20.93%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
C's Dividend Yield is comparable with the industry average which is at 3.78.
C's Dividend Yield is a higher than the S&P500 average which is at 2.57.
Industry RankSector Rank
Dividend Yield 3.61%

5.2 History

The dividend of C has a limited annual growth rate of 2.51%.
C has paid a dividend for at least 10 years, which is a reliable track record.
C has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.51%
Div Incr Years2
Div Non Decr Years13
C Yearly Dividends per shareC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

C pays out 45.37% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of C is growing, but earnings are growing more, so the dividend growth is sustainable.
DP45.37%
EPS Next 2Y24.09%
EPS Next 3Y22.12%
C Yearly Income VS Free CF VS DividendC 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
C Dividend Payout.C Dividend Payout, showing the Payout Ratio.C Dividend Payout.PayoutRetained Earnings

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CITIGROUP INC

NYSE:C (4/17/2025, 8:05:20 PM)

After market: 63.35 +0.1 (+0.16%)

63.25

+1.15 (+1.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-15 2025-04-15/bmo
Earnings (Next)07-15 2025-07-15/bmo
Inst Owners76.31%
Inst Owner Change0%
Ins Owners0.25%
Ins Owner Change1.43%
Market Cap119.05B
Analysts80.74
Price Target92.15 (45.69%)
Short Float %1.83%
Short Ratio2.11
Dividend
Industry RankSector Rank
Dividend Yield 3.61%
Yearly Dividend2.75
Dividend Growth(5Y)2.51%
DP45.37%
Div Incr Years2
Div Non Decr Years13
Ex-Date02-03 2025-02-03 (0.56)
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)-1.51%
PT rev (3m)11.79%
EPS NQ rev (1m)-1.94%
EPS NQ rev (3m)-0.71%
EPS NY rev (1m)-0.38%
EPS NY rev (3m)2.63%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)1.64%
Revenue NY rev (1m)-0.49%
Revenue NY rev (3m)0.44%
Valuation
Industry RankSector Rank
PE 9.99
Fwd PE 6.59
P/S 1.47
P/FCF N/A
P/OCF N/A
P/B 0.57
P/tB 0.64
EV/EBITDA N/A
EPS(TTM)6.33
EY10.01%
EPS(NY)9.59
Fwd EY15.17%
FCF(TTM)-13.9
FCFYN/A
OCF(TTM)-10.45
OCFYN/A
SpS43.11
BVpS110.83
TBVpS98.19
PEG (NY)0.46
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
WACC11.75%
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)13.24%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%5.38%
EPS Next Y21.8%
EPS Next 2Y24.09%
EPS Next 3Y22.12%
EPS Next 5Y8.77%
Revenue 1Y (TTM)4.49%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%2.33%
Revenue Next Year3.24%
Revenue Next 2Y3.33%
Revenue Next 3Y3.18%
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