CITIGROUP INC (1C.MI) Fundamental Analysis & Valuation

BIT:1C • US1729674242

Current stock price

109.34 EUR
-3.22 (-2.86%)
Last:

This 1C.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. 1C.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1C was profitable.
  • In the past year 1C has reported a negative cash flow from operations.
  • In the past 5 years 1C has always been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: 1C reported negative operating cash flow in multiple years.
1C.MI Yearly Net Income VS EBIT VS OCF VS FCF1C.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B -40B -60B

1.2 Ratios

  • With a Return On Assets value of 0.49%, 1C is not doing good in the industry: 73.27% of the companies in the same industry are doing better.
  • The Return On Equity of 1C (6.13%) is worse than 70.30% of its industry peers.
Industry RankSector Rank
ROA 0.49%
ROE 6.13%
ROIC N/A
ROA(3y)0.43%
ROA(5y)0.56%
ROE(3y)5.15%
ROE(5y)6.51%
ROIC(3y)N/A
ROIC(5y)N/A
1C.MI Yearly ROA, ROE, ROIC1C.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

1.3 Margins

  • The Profit Margin of 1C (15.28%) is worse than 81.19% of its industry peers.
  • In the last couple of years the Profit Margin of 1C has grown nicely.
  • The Operating Margin and Gross Margin are not available for 1C so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 15.28%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.64%
PM growth 5Y3.15%
GM growth 3YN/A
GM growth 5YN/A
1C.MI Yearly Profit, Operating, Gross Margins1C.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. 1C.MI Health Analysis

2.1 Basic Checks

  • 1C does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 1C has less shares outstanding than it did 1 year ago.
  • 1C has less shares outstanding than it did 5 years ago.
  • 1C has a worse debt/assets ratio than last year.
1C.MI Yearly Shares Outstanding1C.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B
1C.MI Yearly Total Debt VS Total Assets1C.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T 2T 2.5T

2.2 Solvency

  • 1C has a Debt/Equity ratio of 3.33. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 3.33, 1C is not doing good in the industry: 81.19% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.33
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.68%
1C.MI Yearly LT Debt VS Equity VS FCF1C.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100B 200B 300B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1C.MI Yearly Current Assets VS Current Liabilites1C.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B 400B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. 1C.MI Growth Analysis

3.1 Past

  • 1C shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 43.29%, which is quite impressive.
  • The Earnings Per Share has been growing by 9.00% on average over the past years. This is quite good.
  • Looking at the last year, 1C shows a quite strong growth in Revenue. The Revenue has grown by 8.56% in the last year.
  • Measured over the past years, 1C shows a small growth in Revenue. The Revenue has been growing by 2.45% on average per year.
EPS 1Y (TTM)43.29%
EPS 3Y3.4%
EPS 5Y9%
EPS Q2Q%56.12%
Revenue 1Y (TTM)8.56%
Revenue growth 3Y4.2%
Revenue growth 5Y2.45%
Sales Q2Q%14.06%

3.2 Future

  • Based on estimates for the next years, 1C will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.43% on average per year.
  • Based on estimates for the next years, 1C will show a small growth in Revenue. The Revenue will grow by 4.86% on average per year.
EPS Next Y31.58%
EPS Next 2Y25.17%
EPS Next 3Y22.77%
EPS Next 5Y14.43%
Revenue Next Year7%
Revenue Next 2Y5.31%
Revenue Next 3Y5.04%
Revenue Next 5Y4.86%

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.
1C.MI Yearly Revenue VS Estimates1C.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20B 40B 60B 80B 100B
1C.MI Yearly EPS VS Estimates1C.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5 10 15

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4

4. 1C.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 14.11, 1C is valued correctly.
  • 1C's Price/Earnings ratio is rather expensive when compared to the industry. 1C is more expensive than 83.17% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, 1C is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 10.25, which indicates a very decent valuation of 1C.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1C indicates a somewhat cheap valuation: 1C is cheaper than 68.32% of the companies listed in the same industry.
  • 1C's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.36.
Industry RankSector Rank
PE 14.11
Fwd PE 10.25
1C.MI Price Earnings VS Forward Price Earnings1C.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1C.MI Per share data1C.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 100

4.3 Compensation for Growth

  • 1C'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 1C's earnings are expected to grow with 22.77% in the coming years.
PEG (NY)0.45
PEG (5Y)1.57
EPS Next 2Y25.17%
EPS Next 3Y22.77%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. 1C.MI Dividend Analysis

5.1 Amount

  • 1C has a Yearly Dividend Yield of 1.87%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 4.48, 1C's dividend is way lower than its industry peers. On top of this 94.06% of the companies listed in the same industry pay a better dividend than 1C!
  • Compared to an average S&P500 Dividend Yield of 1.82, 1C has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.87%

5.2 History

  • The dividend of 1C has a limited annual growth rate of 3.05%.
Dividend Growth(5Y)3.05%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 41.26% of the earnings are spent on dividend by 1C. This is a bit on the high side, but may be sustainable.
  • The dividend of 1C is growing, but earnings are growing more, so the dividend growth is sustainable.
DP41.26%
EPS Next 2Y25.17%
EPS Next 3Y22.77%
1C.MI Yearly Income VS Free CF VS Dividend1C.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B -40B -60B
1C.MI Dividend Payout.1C.MI Dividend Payout, showing the Payout Ratio.1C.MI Dividend Payout.PayoutRetained Earnings

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1C.MI Fundamentals: All Metrics, Ratios and Statistics

CITIGROUP INC

BIT:1C (4/27/2026, 7:00:00 PM)

109.34

-3.22 (-2.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength55.28
Industry Growth85.09
Earnings (Last)04-14
Earnings (Next)07-14
Inst Owners81.11%
Inst Owner ChangeN/A
Ins Owners0.29%
Ins Owner ChangeN/A
Market Cap187.51B
Revenue(TTM)88.26B
Net Income(TTM)13.02B
Analysts81.94
Price Target111.39 (1.87%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.87%
Yearly Dividend2.53
Dividend Growth(5Y)3.05%
DP41.26%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.77%
Min EPS beat(2)5.96%
Max EPS beat(2)15.58%
EPS beat(4)4
Avg EPS beat(4)11.39%
Min EPS beat(4)3.89%
Max EPS beat(4)20.15%
EPS beat(8)8
Avg EPS beat(8)15.16%
EPS beat(12)12
Avg EPS beat(12)13.27%
EPS beat(16)15
Avg EPS beat(16)14.84%
Revenue beat(2)1
Avg Revenue beat(2)0.65%
Min Revenue beat(2)-1.41%
Max Revenue beat(2)2.7%
Revenue beat(4)2
Avg Revenue beat(4)0.51%
Min Revenue beat(4)-1.41%
Max Revenue beat(4)2.7%
Revenue beat(8)4
Avg Revenue beat(8)0.09%
Revenue beat(12)6
Avg Revenue beat(12)-0.32%
Revenue beat(16)8
Avg Revenue beat(16)0.22%
PT rev (1m)-6.67%
PT rev (3m)-0.32%
EPS NQ rev (1m)1.91%
EPS NQ rev (3m)1.79%
EPS NY rev (1m)-0.5%
EPS NY rev (3m)0.05%
Revenue NQ rev (1m)2.39%
Revenue NQ rev (3m)2.18%
Revenue NY rev (1m)1.99%
Revenue NY rev (3m)2.07%
Valuation
Industry RankSector Rank
PE 14.11
Fwd PE 10.25
P/S 2.57
P/FCF N/A
P/OCF N/A
P/B 1.03
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)7.75
EY7.09%
EPS(NY)10.67
Fwd EY9.76%
FCF(TTM)-36.95
FCFYN/A
OCF(TTM)-33.7
OCFYN/A
SpS42.47
BVpS105.79
TBVpS94.14
PEG (NY)0.45
PEG (5Y)1.57
Graham Number135.818 (24.22%)
Profitability
Industry RankSector Rank
ROA 0.49%
ROE 6.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.28%
GM N/A
FCFM N/A
ROA(3y)0.43%
ROA(5y)0.56%
ROE(3y)5.15%
ROE(5y)6.51%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.64%
PM growth 5Y3.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 3.33
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 149.1%
Cap/Sales 7.65%
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-Score5
WACC10.68%
ROIC/WACCN/A
Cap/Depr(3y)148.08%
Cap/Depr(5y)136.06%
Cap/Sales(3y)8.05%
Cap/Sales(5y)7.47%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)43.29%
EPS 3Y3.4%
EPS 5Y9%
EPS Q2Q%56.12%
EPS Next Y31.58%
EPS Next 2Y25.17%
EPS Next 3Y22.77%
EPS Next 5Y14.43%
Revenue 1Y (TTM)8.56%
Revenue growth 3Y4.2%
Revenue growth 5Y2.45%
Sales Q2Q%14.06%
Revenue Next Year7%
Revenue Next 2Y5.31%
Revenue Next 3Y5.04%
Revenue Next 5Y4.86%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year12.82%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-183.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-243.85%
OCF growth 3YN/A
OCF growth 5YN/A

CITIGROUP INC / 1C.MI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CITIGROUP INC?

ChartMill assigns a fundamental rating of 3 / 10 to 1C.MI.


What is the valuation status for 1C stock?

ChartMill assigns a valuation rating of 4 / 10 to CITIGROUP INC (1C.MI). This can be considered as Fairly Valued.


How profitable is CITIGROUP INC (1C.MI) stock?

CITIGROUP INC (1C.MI) has a profitability rating of 2 / 10.


What are the PE and PB ratios of CITIGROUP INC (1C.MI) stock?

The Price/Earnings (PE) ratio for CITIGROUP INC (1C.MI) is 14.11 and the Price/Book (PB) ratio is 1.03.


Is the dividend of CITIGROUP INC sustainable?

The dividend rating of CITIGROUP INC (1C.MI) is 4 / 10 and the dividend payout ratio is 41.26%.