CITIGROUP INC (TRVC.DE) Stock Fundamental Analysis
FRA:TRVC - Deutsche Boerse Ag - US1729674242 - Common Stock - Currency: EUR
Taking everything into account, TRVC scores 3 out of 10 in our fundamental rating. TRVC was compared to 95 industry peers in the Banks industry. TRVC has a bad profitability rating. Also its financial health evaluation is rather negative. TRVC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
TRVC had positive earnings in the past year.
TRVC had a negative operating cash flow in the past year.
TRVC had positive earnings in each of the past 5 years.
In multiple years TRVC reported negative operating cash flow during the last 5 years.
1.2 Ratios
TRVC's Return On Assets of 0.49% is on the low side compared to the rest of the industry. TRVC is outperformed by 61.05% of its industry peers.
With a Return On Equity value of 5.49%, TRVC is not doing good in the industry: 65.26% of the companies in the same industry are doing better.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 14.12%, TRVC is doing worse than 73.68% of the companies in the same industry.
TRVC's Profit Margin has declined in the last couple of years.
TRVC 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) | 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
2. Health
2.1 Basic Checks
TRVC does not have a ROIC to compare to the WACC, probably because it is not profitable.
TRVC has less shares outstanding than it did 1 year ago.
The number of shares outstanding for TRVC has been reduced compared to 5 years ago.
Compared to 1 year ago, TRVC has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 2.77 is on the high side and indicates that TRVC has dependencies on debt financing.
TRVC has a worse Debt to Equity ratio (2.77) than 65.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.77 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.8%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 13.24% over the past year.
TRVC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.49% yearly.
TRVC shows a small growth in Revenue. In the last year, the Revenue has grown by 4.49%.
TRVC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.78% yearly.
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
TRVC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.77% yearly.
TRVC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.18% yearly.
EPS Next Y19.08%
EPS Next 2Y23.24%
EPS Next 3Y21.41%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.77, the valuation of TRVC can be described as reasonable.
72.63% of the companies in the same industry are cheaper than TRVC, based on the Price/Earnings ratio.
TRVC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.79.
Based on the Price/Forward Earnings ratio of 7.20, the valuation of TRVC can be described as very cheap.
Based on the Price/Forward Earnings ratio, TRVC is valued cheaper than 91.58% of the companies in the same industry.
TRVC is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.77 | ||
| Fwd PE | 7.2 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TRVC's 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 TRVC's earnings are expected to grow with 21.41% in the coming years.
PEG (NY)0.56
PEG (5Y)N/A
EPS Next 2Y23.24%
EPS Next 3Y21.41%
5. Dividend
5.1 Amount
TRVC has a Yearly Dividend Yield of 3.54%. Purely for dividend investing, there may be better candidates out there.
The stock price of TRVC dropped by -23.02% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
With a Dividend Yield of 3.54, TRVC pays less dividend than the industry average, which is at 5.47. 80.00% of the companies listed in the same industry pay a better dividend than TRVC!
TRVC's Dividend Yield is a higher than the S&P500 average which is at 2.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
5.2 History
The dividend of TRVC has a limited annual growth rate of 2.51%.
Dividend Growth(5Y)2.51%
Div Incr Years2
Div Non Decr Years5
5.3 Sustainability
TRVC pays out 45.37% of its income as dividend. This is a bit on the high side, but may be sustainable.
TRVC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP45.37%
EPS Next 2Y23.24%
EPS Next 3Y21.41%
FRA:TRVC (4/25/2025, 7:00:00 PM)
59.9
+0.63 (+1.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners76.31%
Inst Owner ChangeN/A
Ins Owners0.25%
Ins Owner ChangeN/A
Market Cap112.74B
Analysts80.74
Price Target83.69 (39.72%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
Yearly Dividend2.42
Dividend Growth(5Y)2.51%
DP45.37%
Div Incr Years2
Div Non Decr Years5
Ex-DateN/A
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)-5.22%
PT rev (3m)4.9%
EPS NQ rev (1m)-1.94%
EPS NQ rev (3m)-0.71%
EPS NY rev (1m)-2.6%
EPS NY rev (3m)0.34%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.77 | ||
| Fwd PE | 7.2 | ||
| P/S | 1.58 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.61 | ||
| P/tB | 0.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.56
EY9.28%
EPS(NY)8.32
Fwd EY13.89%
FCF(TTM)-12.22
FCFYN/A
OCF(TTM)-9.19
OCFYN/A
SpS37.89
BVpS97.42
TBVpS86.31
PEG (NY)0.56
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC11.8%
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 Y19.08%
EPS Next 2Y23.24%
EPS Next 3Y21.41%
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