CITIGROUP INC (C)
US1729674242 - Common Stock
We assign a fundamental rating of 2 out of 10 to C. C was compared to 407 industry peers in the Banks industry. Both the profitability and financial health of C have multiple concerns. C is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year C was profitable.
In the past year C has reported a negative cash flow from operations.
C had positive earnings in each of the past 5 years.
In multiple years C reported negative operating cash flow during the last 5 years.
1.2 Ratios
C has a Return On Assets of 0.28%. This is amonst the worse of the industry: C underperforms 84.20% of its industry peers.
C has a worse Return On Equity (3.20%) than 84.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.28% | ||
| ROE | 3.2% | ||
| ROIC | N/A |
ROA(3y)0.6%
ROA(5y)0.63%
ROE(3y)6.97%
ROE(5y)7.05%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
C has a worse Profit Margin (8.48%) than 86.42% of its industry peers.
In the last couple of years the Profit Margin of C has declined.
C does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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-8.56%
PM growth 5Y-15.25%
GM growth 3YN/A
GM growth 5YN/A
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.
The number of shares outstanding for C has been reduced compared to 5 years ago.
C has a worse debt/assets ratio than last year.
2.2 Solvency
C has a Debt/Equity ratio of 2.89. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 2.89, C is not doing good in the industry: 94.81% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.89 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.12%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for C have decreased by -2.05% in the last year.
Measured over the past years, C shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.41% on average per year.
The Revenue has decreased by -0.04% in the past year.
Measured over the past years, C shows a small growth in Revenue. The Revenue has been growing by 1.50% on average per year.
EPS 1Y (TTM)-2.05%
EPS 3Y2.57%
EPS 5Y-3.41%
EPS Q2Q%-0.66%
Revenue 1Y (TTM)-0.04%
Revenue growth 3Y1.29%
Revenue growth 5Y1.5%
Sales Q2Q%0.87%
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 5.99% on average per year.
C is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.78% yearly.
EPS Next Y6.59%
EPS Next 2Y15.01%
EPS Next 3Y18.12%
EPS Next 5Y5.99%
Revenue Next Year1.81%
Revenue Next 2Y2.2%
Revenue Next 3Y2.68%
Revenue Next 5Y2.78%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.45, C is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of C indicates a somewhat cheap valuation: C is cheaper than 60.25% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.55, C is valued rather cheaply.
C is valuated reasonably with a Price/Forward Earnings ratio of 9.65.
Based on the Price/Forward Earnings ratio, C is valued a bit cheaper than the industry average as 79.01% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.00, C is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.45 | ||
| Fwd PE | 9.65 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates C does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as C's earnings are expected to grow with 18.12% in the coming years.
PEG (NY)1.89
PEG (5Y)N/A
EPS Next 2Y15.01%
EPS Next 3Y18.12%
5. Dividend
5.1 Amount
C has a Yearly Dividend Yield of 3.27%. Purely for dividend investing, there may be better candidates out there.
C's Dividend Yield is a higher than the industry average which is at 3.21.
Compared to an average S&P500 Dividend Yield of 2.36, C pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
5.2 History
The dividend of C has a limited annual growth rate of 5.95%.
C has been paying a dividend for at least 10 years, so it has 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.
C's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP77.62%
EPS Next 2Y15.01%
EPS Next 3Y18.12%
CITIGROUP INC
NYSE:C (12/26/2024, 5:54:59 PM)
After market: 71.35 0 (0%)71.35
+0.35 (+0.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners72.47%
Inst Owner Change1.77%
Ins Owners0.32%
Ins Owner Change6.06%
Market Cap134.94B
Analysts80
Price Target78.01 (9.33%)
Short Float %1.8%
Short Ratio2.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
Dividend Growth(5Y)5.95%
DP77.62%
Div Incr Years2
Div Non Decr Years13
Ex-Date
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)4.46%
PT rev (3m)6.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.76%
EPS NY rev (1m)0.3%
EPS NY rev (3m)2.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.43%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.45 | ||
| Fwd PE | 9.65 | ||
| P/S | 1.71 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.65 | ||
| P/tB | 0.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.73
EY8.03%
EPS(NY)7.39
Fwd EY10.36%
FCF(TTM)-29.46
FCFYN/A
OCF(TTM)-25.98
OCFYN/A
SpS41.77
BVpS110.55
TBVpS97.96
PEG (NY)1.89
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)0.6%
ROA(5y)0.63%
ROE(3y)6.97%
ROE(5y)7.05%
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-8.56%
PM growth 5Y-15.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
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-Score2
WACC11.12%
ROIC/WACCN/A
Cap/Depr(3y)126.81%
Cap/Depr(5y)120.92%
Cap/Sales(3y)7.2%
Cap/Sales(5y)6.67%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-2.05%
EPS 3Y2.57%
EPS 5Y-3.41%
EPS Q2Q%-0.66%
EPS Next Y6.59%
EPS Next 2Y15.01%
EPS Next 3Y18.12%
EPS Next 5Y5.99%
Revenue 1Y (TTM)-0.04%
Revenue growth 3Y1.29%
Revenue growth 5Y1.5%
Sales Q2Q%0.87%
Revenue Next Year1.81%
Revenue Next 2Y2.2%
Revenue Next 3Y2.68%
Revenue Next 5Y2.78%
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 1Y-1057.21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-30616.1%
OCF growth 3YN/A
OCF growth 5YN/A