CITIGROUP INC(FRA:TRVC) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to TRVC. TRVC was compared to 99 industry peers in the Banks industry. Both the profitability and financial health of TRVC have multiple concerns. TRVC is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

TRVC had positive earnings in the past year.

In the past year TRVC has reported a negative cash flow from operations.

In the past 5 years TRVC has always been profitable.

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

1.2 Ratios

The Return On Assets of TRVC (0.49%) is worse than 63.44% of its industry peers.

Looking at the Return On Equity, with a value of 5.49%, TRVC is doing worse than 66.67% of the companies in the same industry.

		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

TRVC's Profit Margin of 14.12% is on the low side compared to the rest of the industry. TRVC is outperformed by 73.12% of its industry peers.

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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

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

Compared to 1 year ago, TRVC has less shares outstanding

The number of shares outstanding for TRVC has been reduced compared to 5 years ago.

The debt/assets ratio for TRVC is higher compared to a year ago.

2.2 Solvency

TRVC has a Debt/Equity ratio of 2.77. This is a high value indicating a heavy dependency on external financing.

TRVC's Debt to Equity ratio of 2.77 is on the low side compared to the rest of the industry. TRVC is outperformed by 62.37% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.77
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC11.81%

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.

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

Looking at the last year, TRVC shows a small growth in Revenue. The Revenue has grown by 3.41% in the last year.

Measured over the past years, TRVC shows a small growth in Revenue. The Revenue has been growing by 1.78% on average per year.

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

TRVC 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, TRVC will show a small growth in Revenue. The Revenue will grow by 3.55% 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 2Y3.72%

Revenue Next 3Y3.55%

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

A Price/Earnings ratio of 11.01 indicates a reasonable valuation of TRVC.

Compared to the rest of the industry, the Price/Earnings ratio of TRVC indicates a slightly more expensive valuation: TRVC is more expensive than 67.74% of the companies listed in the same industry.

TRVC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.

Based on the Price/Forward Earnings ratio of 9.01, the valuation of TRVC can be described as reasonable.

TRVC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. TRVC is cheaper than 68.82% of the companies in the same industry.

TRVC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.

		Industry Rank	Sector Rank
PE	11.01
Fwd PE	9.01

4.2 Price Multiples

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

4.3 Compensation for Growth

The 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 22.15% in the coming years.

PEG (NY)0.49

PEG (5Y)N/A

EPS Next 2Y24.11%

EPS Next 3Y22.15%

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5. Dividend

5.1 Amount

TRVC has a Yearly Dividend Yield of 3.17%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 5.06, TRVC is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.33, TRVC pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.17%

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.

The dividend of TRVC is growing, but earnings are growing more, so the dividend growth is sustainable.

DP45.37%

EPS Next 2Y24.11%

EPS Next 3Y22.15%

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CITIGROUP INC

FRA:TRVC (3/7/2025, 7:00:00 PM)

63.18

-3.1 (-4.68%)

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 ChangeN/A

Ins Owners0.25%

Ins Owner ChangeN/A

Market Cap119.06B

Analysts80.74

Price Target88.3 (39.76%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.17%

Yearly Dividend2.53

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)0.88%

PT rev (3m)19.43%

EPS NQ rev (1m)-0.27%

EPS NQ rev (3m)1.21%

EPS NY rev (1m)0.19%

EPS NY rev (3m)3.83%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.77%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.52%

Valuation

		Industry Rank	Sector Rank
PE	11.01
Fwd PE	9.01
P/S	1.59
P/FCF	N/A
P/OCF	N/A
P/B	0.62
P/tB	0.7
EV/EBITDA	N/A

EPS(TTM)5.74

EY9.09%

EPS(NY)7.02

Fwd EY11.1%

FCF(TTM)-12.79

FCFYN/A

OCF(TTM)-9.61

OCFYN/A

SpS39.66

BVpS101.96

TBVpS90.33

PEG (NY)0.49

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

WACC11.81%

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)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 2Y3.72%

Revenue Next 3Y3.55%

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

CITIGROUP INC (TRVC.DE) 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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