CITIGROUP INC (C)

US1729674242 - Common Stock

68.95  +0.67 (+0.98%)

Premarket: 68.95 0 (0%)

Fundamental Rating

2

C gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 404 industry peers in the Banks industry. C has a bad profitability rating. Also its financial health evaluation is rather negative. C is valued correctly, but it does not seem to be growing.



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1

1. Profitability

1.1 Basic Checks

In the past year C was profitable.
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 worse Return On Assets (0.28%) than 84.79% of its industry peers.
The Return On Equity of C (3.20%) is worse than 84.29% of its industry peers.
Industry RankSector 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 86.53% 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 RankSector 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

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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.
Compared to 1 year ago, C has less shares outstanding
Compared to 5 years ago, C has less shares outstanding
The debt/assets ratio for C is higher compared to a year ago.

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 95.01% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.89
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.1%

2.3 Liquidity

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

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3

3. Growth

3.1 Past

C shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.05%.
C shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.41% yearly.
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 4.68% on average per year.
Based on estimates for the next years, C will show a small growth in Revenue. The Revenue will grow by 1.62% on average per year.
EPS Next Y6.28%
EPS Next 2Y14.56%
EPS Next 3Y17.64%
EPS Next 5Y4.68%
Revenue Next Year1.79%
Revenue Next 2Y2.03%
Revenue Next 3Y2.52%
Revenue Next 5Y1.62%

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 stable: in the next years the growth will be about the same than in the last years.

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.03, C is valued correctly.
C's Price/Earnings ratio is a bit cheaper when compared to the industry. C is cheaper than 71.82% of the companies in the same industry.
When comparing the Price/Earnings ratio of C to the average of the S&P500 Index (28.96), we can say C is valued rather cheaply.
A Price/Forward Earnings ratio of 9.40 indicates a reasonable valuation of C.
C's Price/Forward Earnings ratio is rather cheap when compared to the industry. C is cheaper than 84.54% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of C to the average of the S&P500 Index (23.82), we can say C is valued rather cheaply.
Industry RankSector Rank
PE 12.03
Fwd PE 9.4

4.2 Price Multiples

Industry RankSector 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 17.64% in the coming years.
PEG (NY)1.92
PEG (5Y)N/A
EPS Next 2Y14.56%
EPS Next 3Y17.64%

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5

5. Dividend

5.1 Amount

C has a Yearly Dividend Yield of 3.29%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.02, C pays a bit more dividend than its industry peers.
C's Dividend Yield is a higher than the S&P500 average which is at 2.23.
Industry RankSector Rank
Dividend Yield 3.29%

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 Years1
Div Non Decr Years12

5.3 Sustainability

C pays out 77.62% of its income as dividend. 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 2Y14.56%
EPS Next 3Y17.64%

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CITIGROUP INC

NYSE:C (11/21/2024, 8:16:47 PM)

Premarket: 68.95 0 (0%)

68.95

+0.67 (+0.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap130.40B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 3.29%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 12.03
Fwd PE 9.4
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.92
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.28%
ROE 3.2%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 8.48%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.89
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-2.05%
EPS 3Y2.57%
EPS 5Y
EPS Q2Q%
EPS Next Y6.28%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-0.04%
Revenue growth 3Y1.29%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y