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CITIGROUP INC (TRVC.DE) Stock Fundamental Analysis

FRA:TRVC - Deutsche Boerse Ag - US1729674242 - Common Stock - Currency: EUR

75.55  -0.91 (-1.19%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to TRVC. TRVC was compared to 98 industry peers in the Banks industry. Both the profitability and financial health of TRVC have multiple concerns. TRVC has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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1

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.
In the past 5 years TRVC has always been profitable.
In multiple years TRVC reported negative operating cash flow during the last 5 years.
TRVC.DE Yearly Net Income VS EBIT VS OCF VS FCFTRVC.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B -60B

1.2 Ratios

TRVC has a worse Return On Assets (0.28%) than 89.77% of its industry peers.
The Return On Equity of TRVC (3.20%) is worse than 86.36% of its industry peers.
Industry RankSector 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
TRVC.DE Yearly ROA, ROE, ROICTRVC.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

The Profit Margin of TRVC (8.48%) is worse than 93.18% 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 RankSector 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
TRVC.DE Yearly Profit, Operating, Gross MarginsTRVC.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

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1

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.
TRVC.DE Yearly Shares OutstandingTRVC.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B
TRVC.DE Yearly Total Debt VS Total AssetsTRVC.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T 2T

2.2 Solvency

TRVC has a Debt/Equity ratio of 2.89. This is a high value indicating a heavy dependency on external financing.
TRVC has a Debt to Equity ratio of 2.89. This is in the lower half of the industry: TRVC underperforms 68.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.89
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.26%
TRVC.DE Yearly LT Debt VS Equity VS FCFTRVC.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100B 200B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TRVC.DE Yearly Current Assets VS Current LiabilitesTRVC.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 11.45% over the past year.
The Earnings Per Share has been decreasing by -4.49% on average over the past years.
TRVC shows a small growth in Revenue. In the last year, the Revenue has grown by 3.41%.
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

TRVC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.73% yearly.
The Revenue is expected to grow by 3.49% on average over the next years.
EPS Next Y22.03%
EPS Next 2Y24.45%
EPS Next 3Y24.13%
EPS Next 5Y5.73%
Revenue Next Year3.76%
Revenue Next 2Y3.71%
Revenue Next 3Y3.49%
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.
TRVC.DE Yearly Revenue VS EstimatesTRVC.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 20B 40B 60B 80B
TRVC.DE Yearly EPS VS EstimatesTRVC.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6 8 10

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.53 indicates a correct valuation of TRVC.
82.95% of the companies in the same industry are cheaper than TRVC, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 28.47, TRVC is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.27, the valuation of TRVC can be described as very reasonable.
TRVC's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TRVC is more expensive than 64.77% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 92.74. TRVC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.53
Fwd PE 10.27
TRVC.DE Price Earnings VS Forward Price EarningsTRVC.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TRVC.DE Per share dataTRVC.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 60 80 100

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 24.13% in the coming years.
PEG (NY)0.57
PEG (5Y)N/A
EPS Next 2Y24.45%
EPS Next 3Y24.13%

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.74%, TRVC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.05, TRVC's dividend is way lower than its industry peers. On top of this 84.09% of the companies listed in the same industry pay a better dividend than TRVC!
Compared to an average S&P500 Dividend Yield of 2.28, TRVC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.74%

5.2 History

The dividend of TRVC has a limited annual growth rate of 5.95%.
Dividend Growth(5Y)5.95%
Div Incr Years2
Div Non Decr Years5
TRVC.DE Yearly Dividends per shareTRVC.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

77.62% of the earnings are spent on dividend by TRVC. This is not a sustainable payout ratio.
TRVC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP77.62%
EPS Next 2Y24.45%
EPS Next 3Y24.13%
TRVC.DE Yearly Income VS Free CF VS DividendTRVC.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B -60B
TRVC.DE Dividend Payout.TRVC.DE Dividend Payout, showing the Payout Ratio.TRVC.DE Dividend Payout.PayoutRetained Earnings

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CITIGROUP INC

FRA:TRVC (2/5/2025, 5:21:03 PM)

75.55

-0.91 (-1.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-15 2025-01-15/bmo
Earnings (Next)N/A N/A
Inst Owners72.47%
Inst Owner ChangeN/A
Ins Owners0.32%
Ins Owner ChangeN/A
Market Cap142.88B
Analysts80.71
Price Target87.53 (15.86%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.74%
Yearly Dividend2.71
Dividend Growth(5Y)5.95%
DP77.62%
Div Incr Years2
Div Non Decr Years5
Ex-DateN/A
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)9.72%
PT rev (3m)33.72%
EPS NQ rev (1m)0.92%
EPS NQ rev (3m)1.12%
EPS NY rev (1m)2.82%
EPS NY rev (3m)3.87%
Revenue NQ rev (1m)0.52%
Revenue NQ rev (3m)0.54%
Revenue NY rev (1m)1.23%
Revenue NY rev (3m)1.62%
Valuation
Industry RankSector Rank
PE 12.53
Fwd PE 10.27
P/S 1.87
P/FCF N/A
P/OCF N/A
P/B 0.71
P/tB 0.8
EV/EBITDA N/A
EPS(TTM)6.03
EY7.98%
EPS(NY)7.36
Fwd EY9.74%
FCF(TTM)-28.5
FCFYN/A
OCF(TTM)-25.14
OCFYN/A
SpS40.42
BVpS106.97
TBVpS94.79
PEG (NY)0.57
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC11.26%
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 Y22.03%
EPS Next 2Y24.45%
EPS Next 3Y24.13%
EPS Next 5Y5.73%
Revenue 1Y (TTM)3.41%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%12.28%
Revenue Next Year3.76%
Revenue Next 2Y3.71%
Revenue Next 3Y3.49%
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