CITIGROUP INC(NYSE:C) stock Fundamental Analysis

Fundamental Rating

C gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. C has a bad profitability rating. Also its financial health evaluation is rather negative. C is not valued too expensively and it also shows a decent growth rate.

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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.

The reported operating cash flow has been mixed in the past 5 years: C reported negative operating cash flow in multiple years.

1.2 Ratios

C has a Return On Assets of 0.28%. This is amonst the worse of the industry: C underperforms 84.17% of its industry peers.

With a Return On Equity value of 3.20%, C is not doing good in the industry: 84.17% of the companies in the same industry are doing better.

		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%, C is not doing good in the industry: 86.43% of the companies in the same industry are doing better.

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 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

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

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

C has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, C has a worse debt to assets ratio.

2.2 Solvency

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

The Debt to Equity ratio of C (2.89) is worse than 95.48% of its industry peers.

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

ROIC/WACCN/A

WACC11.29%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

C shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.45%, which is quite good.

Measured over the past years, C shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.49% on average per year.

C shows a small growth in Revenue. In the last year, the Revenue has grown by 3.41%.

C shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.78% yearly.

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%12.28%

3.2 Future

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

The Revenue is expected to grow by 3.49% on average over the next years.

EPS Next Y18.68%

EPS Next 2Y21.61%

EPS Next 3Y4.65%

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

With a Price/Earnings ratio of 12.94, C is valued correctly.

C's Price/Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Earnings ratio of 28.28, C is valued rather cheaply.

With a Price/Forward Earnings ratio of 10.91, the valuation of C can be described as very reasonable.

Based on the Price/Forward Earnings ratio, C is valued a bit cheaper than 65.58% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of C to the average of the S&P500 Index (91.29), we can say C is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.94
Fwd PE	10.91

4.2 Price Multiples

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

4.3 Compensation for Growth

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

PEG (NY)0.69

PEG (5Y)N/A

EPS Next 2Y21.61%

EPS Next 3Y4.65%

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5. Dividend

5.1 Amount

C has a Yearly Dividend Yield of 2.73%.

Compared to an average industry Dividend Yield of 3.17, C has a dividend in line with its industry peers.

C's Dividend Yield is a higher than the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	2.73%

5.2 History

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

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)5.95%

Div Incr Years2

Div Non Decr Years13

5.3 Sustainability

77.62% of the earnings are spent on dividend by C. This is not a sustainable payout ratio.

The dividend of C is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP77.62%

EPS Next 2Y21.61%

EPS Next 3Y4.65%

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CITIGROUP INC

NYSE:C (1/29/2025, 8:08:17 PM)

After market: 80.95 +0.32 (+0.4%)

80.63

+0.69 (+0.86%)

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 Change0.51%

Ins Owners0.32%

Ins Owner Change-3.14%

Market Cap152.49B

Analysts80.71

Price Target82.43 (2.23%)

Short Float %1.99%

Short Ratio2.66

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.73%

Yearly Dividend2.71

Dividend Growth(5Y)5.95%

DP77.62%

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)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)-2.15%

Min Revenue beat(4)-8.77%

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)5.67%

PT rev (3m)10.38%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-6.76%

EPS NY rev (1m)0%

EPS NY rev (3m)1.68%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.43%

Revenue NY rev (1m)1.23%

Revenue NY rev (3m)2.11%

Valuation

		Industry Rank	Sector Rank
PE	12.94
Fwd PE	10.91
P/S	1.93
P/FCF	N/A
P/OCF	N/A
P/B	0.73
P/tB	0.82
EV/EBITDA	N/A

EPS(TTM)6.23

EY7.73%

EPS(NY)7.39

Fwd EY9.17%

FCF(TTM)-29.46

FCFYN/A

OCF(TTM)-25.98

OCFYN/A

SpS41.77

BVpS110.55

TBVpS97.96

PEG (NY)0.69

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

WACC11.29%

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 Y18.68%

EPS Next 2Y21.61%

EPS Next 3Y4.65%

EPS Next 5Y5.73%

Revenue 1Y (TTM)3.41%

Revenue growth 3Y4.12%

Revenue growth 5Y1.78%

Sales Q2Q%12.28%

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 (C) 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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