CITIGROUP INC(NYSE:C) stock Fundamental Analysis

Fundamental Rating

C gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 404 industry peers in the Banks industry. C may be in some trouble as it scores bad on both profitability and health. 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.

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

1.2 Ratios

The Return On Assets of C (0.28%) is worse than 84.81% of its industry peers.

C has a worse Return On Equity (3.20%) than 83.80% of its industry peers.

		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

C's Profit Margin of 8.48% is on the low side compared to the rest of the industry. C is outperformed by 86.08% of its industry peers.

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

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-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.

Compared to 1 year ago, C has less shares outstanding

The number of shares outstanding for C has been reduced compared to 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.

C has a worse Debt to Equity ratio (2.89) than 96.20% of its industry peers.

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

ROIC/WACCN/A

WACC11.22%

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

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

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 3.41% in the past 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%12.28%

3.2 Future

C 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, C will show a small growth in Revenue. The Revenue will grow by 3.51% 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 2Y3.7%

Revenue Next 3Y3.51%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.83 indicates a correct valuation of C.

The rest of the industry has a similar Price/Earnings ratio as C.

Compared to an average S&P500 Price/Earnings ratio of 29.98, C is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 10.50, the valuation of C can be described as reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of C indicates a somewhat cheap valuation: C is cheaper than 65.57% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.66, C is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.83
Fwd PE	10.5

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.

C's earnings are expected to grow with 22.15% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.58

PEG (5Y)N/A

EPS Next 2Y24.11%

EPS Next 3Y22.15%

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5. Dividend

5.1 Amount

C has a Yearly Dividend Yield of 2.84%. Purely for dividend investing, there may be better candidates out there.

C's Dividend Yield is comparable with the industry average which is at 3.25.

C's Dividend Yield is a higher than the S&P500 average which is at 2.30.

		Industry Rank	Sector Rank
Dividend Yield	2.84%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

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 slower than its dividend. This means the dividend growth is not sustainable.

DP77.62%

EPS Next 2Y24.11%

EPS Next 3Y22.15%

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CITIGROUP INC

NYSE:C (2/28/2025, 8:04:00 PM)

Premarket: 80.2 +0.25 (+0.31%)

79.95

+1.08 (+1.37%)

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 Change-0.23%

Ins Owners0.25%

Ins Owner Change1.58%

Market Cap151.21B

Analysts81.48

Price Target93.23 (16.61%)

Short Float %1.79%

Short Ratio2.27

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.84%

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)0.86%

PT rev (3m)21.6%

EPS NQ rev (1m)0.92%

EPS NQ rev (3m)0.92%

EPS NY rev (1m)0.19%

EPS NY rev (3m)3.83%

Revenue NQ rev (1m)0.52%

Revenue NQ rev (3m)0.52%

Revenue NY rev (1m)-0.01%

Revenue NY rev (3m)1.52%

Valuation

		Industry Rank	Sector Rank
PE	12.83
Fwd PE	10.5
P/S	1.91
P/FCF	N/A
P/OCF	N/A
P/B	0.72
P/tB	0.82
EV/EBITDA	N/A

EPS(TTM)6.23

EY7.79%

EPS(NY)7.62

Fwd EY9.53%

FCF(TTM)-29.46

FCFYN/A

OCF(TTM)-25.98

OCFYN/A

SpS41.77

BVpS110.55

TBVpS97.96

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

WACC11.22%

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 Y22.26%

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%12.28%

Revenue Next Year3.75%

Revenue Next 2Y3.7%

Revenue Next 3Y3.51%

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

More info and screens