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CITIGROUP INC (1C.MI) Stock Fundamental Analysis

BIT:1C - Euronext Milan - US1729674242 - Common Stock - Currency: EUR

68.46  +4.65 (+7.29%)

Fundamental Rating

3

Overall 1C gets a fundamental rating of 3 out of 10. We evaluated 1C against 94 industry peers in the Banks industry. 1C may be in some trouble as it scores bad on both profitability and health. 1C is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B -60B

1.2 Ratios

1C's Return On Assets of 0.49% is on the low side compared to the rest of the industry. 1C is outperformed by 62.77% of its industry peers.
With a Return On Equity value of 5.49%, 1C is not doing good in the industry: 70.21% of the companies in the same industry are doing better.
Industry RankSector 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
1C.MI Yearly ROA, ROE, ROIC1C.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

Looking at the Profit Margin, with a value of 14.12%, 1C is doing worse than 77.66% of the companies in the same industry.
In the last couple of years the Profit Margin of 1C has declined.
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) 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
1C.MI Yearly Profit, Operating, Gross Margins1C.MI 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

1C does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, 1C has less shares outstanding
1C has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, 1C has a worse debt to assets ratio.
1C.MI Yearly Shares Outstanding1C.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T 2T

2.2 Solvency

A Debt/Equity ratio of 2.77 is on the high side and indicates that 1C has dependencies on debt financing.
1C has a Debt to Equity ratio of 2.77. This is in the lower half of the industry: 1C underperforms 64.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.77
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.87%
1C.MI Yearly LT Debt VS Equity VS FCF1C.MI 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
1C.MI Yearly Current Assets VS Current Liabilites1C.MI 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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5

3. Growth

3.1 Past

1C shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.24%, which is quite good.
The Earnings Per Share has been decreasing by -4.49% on average over the past years.
The Revenue has been growing slightly by 4.49% in the past year.
The Revenue has been growing slightly by 1.78% on average over the past years.
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

The Earnings Per Share is expected to grow by 8.77% on average over the next years. This is quite good.
1C is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.16% yearly.
EPS Next Y19.17%
EPS Next 2Y23.72%
EPS Next 3Y23.08%
EPS Next 5Y8.77%
Revenue Next Year3.44%
Revenue Next 2Y3.23%
Revenue Next 3Y3.16%
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.
1C.MI Yearly Revenue VS Estimates1C.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20B 40B 60B 80B
1C.MI Yearly EPS VS Estimates1C.MI 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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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.36, 1C is valued correctly.
Based on the Price/Earnings ratio, 1C is valued a bit more expensive than 71.28% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.52. 1C is valued rather cheaply when compared to this.
1C is valuated reasonably with a Price/Forward Earnings ratio of 8.20.
80.85% of the companies in the same industry are more expensive than 1C, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of 1C to the average of the S&P500 Index (22.25), we can say 1C is valued rather cheaply.
Industry RankSector Rank
PE 12.36
Fwd PE 8.2
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 20 40 60 80

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 1C's earnings are expected to grow with 23.08% in the coming years.
PEG (NY)0.64
PEG (5Y)N/A
EPS Next 2Y23.72%
EPS Next 3Y23.08%

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4

5. Dividend

5.1 Amount

1C has a Yearly Dividend Yield of 2.95%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 2.95, 1C pays less dividend than the industry average, which is at 5.02. 80.85% 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 2.38.
Industry RankSector Rank
Dividend Yield 2.95%

5.2 History

The dividend of 1C has a limited annual growth rate of 2.51%.
Dividend Growth(5Y)2.51%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

1C pays out 45.37% of its income as dividend. This is a bit on the high side, but may be sustainable.
1C's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP45.37%
EPS Next 2Y23.72%
EPS Next 3Y23.08%
1C.MI Yearly Income VS Free CF VS Dividend1C.MI 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
1C.MI Dividend Payout.1C.MI Dividend Payout, showing the Payout Ratio.1C.MI Dividend Payout.PayoutRetained Earnings

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CITIGROUP INC

BIT:1C (6/6/2025, 7:00:00 PM)

68.46

+4.65 (+7.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-15 2025-04-15/bmo
Earnings (Next)07-15 2025-07-15/bmo
Inst Owners76.31%
Inst Owner ChangeN/A
Ins Owners0.25%
Ins Owner ChangeN/A
Market Cap128.85B
Analysts81.48
Price Target75.4 (10.14%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.95%
Yearly Dividend2.46
Dividend Growth(5Y)2.51%
DP45.37%
Div Incr Years0
Div Non Decr Years0
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)-9.7%
PT rev (3m)-14.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.16%
EPS NY rev (1m)-2.16%
EPS NY rev (3m)-2.54%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.13%
Revenue NY rev (1m)0.19%
Revenue NY rev (3m)-0.29%
Valuation
Industry RankSector Rank
PE 12.36
Fwd PE 8.2
P/S 1.81
P/FCF N/A
P/OCF N/A
P/B 0.71
P/tB 0.8
EV/EBITDA N/A
EPS(TTM)5.54
EY8.09%
EPS(NY)8.35
Fwd EY12.19%
FCF(TTM)-12.17
FCFYN/A
OCF(TTM)-9.15
OCFYN/A
SpS37.74
BVpS97.02
TBVpS85.96
PEG (NY)0.64
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC11.87%
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 Y19.17%
EPS Next 2Y23.72%
EPS Next 3Y23.08%
EPS Next 5Y8.77%
Revenue 1Y (TTM)4.49%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%2.33%
Revenue Next Year3.44%
Revenue Next 2Y3.23%
Revenue Next 3Y3.16%
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