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

BIT:1C • US1729674242

Current stock price

106.14 EUR
+5.68 (+5.65%)
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.
  • Each year in the past 5 years 1C has 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: 72.73% of the companies in the same industry are doing better.
  • The Return On Equity of 1C (6.13%) is worse than 70.91% 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

  • 1C has a worse Profit Margin (15.28%) than 80.00% of its industry peers.
  • 1C's Profit Margin has improved in the last couple of years.
  • 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.
  • The number of shares outstanding for 1C has been reduced compared to 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

  • A Debt/Equity ratio of 3.37 is on the high side and indicates that 1C has dependencies on debt financing.
  • 1C has a Debt to Equity ratio of 3.37. This is amonst the worse of the industry: 1C underperforms 80.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.37
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.67%
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 27.93%, which is quite impressive.
  • The Earnings Per Share has been growing by 9.00% on average over the past years. This is quite good.
  • 1C shows a small growth in Revenue. In the last year, the Revenue has grown by 5.43%.
  • 1C shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.45% yearly.
EPS 1Y (TTM)27.93%
EPS 3Y3.4%
EPS 5Y9%
EPS Q2Q%35.07%
Revenue 1Y (TTM)5.43%
Revenue growth 3Y4.2%
Revenue growth 5Y2.45%
Sales Q2Q%7.47%

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 11.11% on average per year.
  • The Revenue is expected to grow by 4.04% on average over the next years.
EPS Next Y32.24%
EPS Next 2Y25.05%
EPS Next 3Y21.9%
EPS Next 5Y11.11%
Revenue Next Year4.92%
Revenue Next 2Y4.39%
Revenue Next 3Y3.81%
Revenue Next 5Y4.04%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B 80B 100B
1C.MI Yearly EPS VS Estimates1C.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 5 10

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4

4. 1C.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.70, the valuation of 1C can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1C indicates a rather expensive valuation: 1C more expensive than 88.18% of the companies listed in the same industry.
  • 1C's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.38.
  • Based on the Price/Forward Earnings ratio of 11.88, the valuation of 1C can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1C indicates a slightly more expensive valuation: 1C is more expensive than 61.82% 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 38.20.
Industry RankSector Rank
PE 15.7
Fwd PE 11.88
1C.MI Price Earnings VS Forward Price Earnings1C.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 20 -20 40 60 80 100

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.
  • 1C's earnings are expected to grow with 21.90% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.49
PEG (5Y)1.74
EPS Next 2Y25.05%
EPS Next 3Y21.9%

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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 2.20%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 4.56, 1C's dividend is way lower than its industry peers. On top of this 88.18% of the companies listed in the same industry pay a better dividend than 1C!
  • 1C's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.2%

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 2Y25.05%
EPS Next 3Y21.9%
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 (4/13/2026, 7:00:00 PM)

106.14

+5.68 (+5.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-14
Earnings (Next)04-14
Inst Owners80.83%
Inst Owner ChangeN/A
Ins Owners0.29%
Ins Owner ChangeN/A
Market Cap185.67B
Revenue(TTM)85.22B
Net Income(TTM)13.02B
Analysts81.33
Price Target119.35 (12.45%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.2%
Yearly Dividend2.56
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)-0.15%
Revenue beat(16)8
Avg Revenue beat(16)0.35%
PT rev (1m)13.38%
PT rev (3m)35.45%
EPS NQ rev (1m)-7.75%
EPS NQ rev (3m)-6.81%
EPS NY rev (1m)2.22%
EPS NY rev (3m)9.66%
Revenue NQ rev (1m)0.1%
Revenue NQ rev (3m)2.69%
Revenue NY rev (1m)1.47%
Revenue NY rev (3m)4.36%
Valuation
Industry RankSector Rank
PE 15.7
Fwd PE 11.88
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)6.76
EY6.37%
EPS(NY)8.94
Fwd EY8.42%
FCF(TTM)-35.94
FCFYN/A
OCF(TTM)-32.78
OCFYN/A
SpS41.31
BVpS102.91
TBVpS91.57
PEG (NY)0.49
PEG (5Y)1.74
Graham Number125.108 (17.87%)
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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 3.37
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-Score4
WACC10.67%
ROIC/WACCN/A
Cap/Depr(3y)148.08%
Cap/Depr(5y)136.06%
Cap/Sales(3y)8.02%
Cap/Sales(5y)7.45%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.93%
EPS 3Y3.4%
EPS 5Y9%
EPS Q2Q%35.07%
EPS Next Y32.24%
EPS Next 2Y25.05%
EPS Next 3Y21.9%
EPS Next 5Y11.11%
Revenue 1Y (TTM)5.43%
Revenue growth 3Y4.2%
Revenue growth 5Y2.45%
Sales Q2Q%7.47%
Revenue Next Year4.92%
Revenue Next 2Y4.39%
Revenue Next 3Y3.81%
Revenue Next 5Y4.04%
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 15.7 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%.