CITIGROUP INC (1C.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1C - US1729674242 - Common Stock
88.1 EUR
+8.08 (+10.1%)
1C gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 102 industry peers in the Banks industry. 1C may be in some trouble as it scores bad on both profitability and health. 1C has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
1C had positive earnings in the past year.
In the past year 1C has reported a negative cash flow from operations.
Each year in the past 5 years 1C has been profitable.
In multiple years 1C reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of 1C (0.51%) is worse than 66.04% of its industry peers.
1C's Return On Equity of 6.31% is on the low side compared to the rest of the industry. 1C is outperformed by 70.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 6.31% | ||
| 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
With a Profit Margin value of 15.82%, 1C is not doing good in the industry: 75.47% of the companies in the same industry are doing better.
1C's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for 1C so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 15.82% | ||
| 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
2. Health
2.1 Basic Checks
1C does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for 1C has been reduced compared to 1 year ago.
The number of shares outstanding for 1C has been reduced compared to 5 years ago.
Compared to 1 year ago, 1C has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 3.38 is on the high side and indicates that 1C has dependencies on debt financing.
The Debt to Equity ratio of 1C (3.38) is worse than 74.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.38 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.93%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 30.89% over the past year.
Measured over the past years, 1C shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.49% on average per year.
The Revenue has been growing slightly by 7.78% in the past year.
1C shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.78% yearly.
EPS 1Y (TTM)30.89%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%48.34%
Revenue 1Y (TTM)7.78%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%8.74%
3.2 Future
1C is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.49% yearly.
The Revenue is expected to grow by 2.48% on average over the next years.
EPS Next Y24.6%
EPS Next 2Y28.29%
EPS Next 3Y25.41%
EPS Next 5Y11.49%
Revenue Next Year6.66%
Revenue Next 2Y4.89%
Revenue Next 3Y4.39%
Revenue Next 5Y2.48%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.53, which indicates a correct valuation of 1C.
Based on the Price/Earnings ratio, 1C is valued expensively inside the industry as 81.13% of the companies are valued cheaper.
1C is valuated rather cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
1C is valuated reasonably with a Price/Forward Earnings ratio of 9.90.
1C's Price/Forward Earnings is on the same level as the industry average.
1C is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 9.9 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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 25.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.55
PEG (5Y)N/A
EPS Next 2Y28.29%
EPS Next 3Y25.41%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.46%, 1C has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.31, 1C is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.00, 1C pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
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 39.71% of its income as dividend. This is a sustainable payout ratio.
The dividend of 1C is growing, but earnings are growing more, so the dividend growth is sustainable.
DP39.71%
EPS Next 2Y28.29%
EPS Next 3Y25.41%
BIT:1C (11/13/2025, 7:00:00 PM)
88.1
+8.08 (+10.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.75%
Inst Owner ChangeN/A
Ins Owners0.27%
Ins Owner ChangeN/A
Market Cap157.64B
Revenue(TTM)84.93B
Net Income(TTM)13.44B
Analysts80.69
Price Target98.56 (11.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
Yearly Dividend2.39
Dividend Growth(5Y)2.51%
DP39.71%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.86%
Min EPS beat(2)15.58%
Max EPS beat(2)20.15%
EPS beat(4)4
Avg EPS beat(4)11.83%
Min EPS beat(4)3.89%
Max EPS beat(4)20.15%
EPS beat(8)8
Avg EPS beat(8)14.66%
EPS beat(12)11
Avg EPS beat(12)12.3%
EPS beat(16)15
Avg EPS beat(16)14.71%
Revenue beat(2)2
Avg Revenue beat(2)1.99%
Min Revenue beat(2)1.27%
Max Revenue beat(2)2.7%
Revenue beat(4)2
Avg Revenue beat(4)0.48%
Min Revenue beat(4)-1.5%
Max Revenue beat(4)2.7%
Revenue beat(8)4
Avg Revenue beat(8)-0.83%
Revenue beat(12)6
Avg Revenue beat(12)-0.14%
Revenue beat(16)8
Avg Revenue beat(16)0.41%
PT rev (1m)19.47%
PT rev (3m)19.47%
EPS NQ rev (1m)1.02%
EPS NQ rev (3m)1.02%
EPS NY rev (1m)4.75%
EPS NY rev (3m)4.75%
Revenue NQ rev (1m)2.58%
Revenue NQ rev (3m)2.58%
Revenue NY rev (1m)2.92%
Revenue NY rev (3m)2.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 9.9 | ||
| P/S | 2.14 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.85 | ||
| P/tB | 0.96 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.51
EY7.39%
EPS(NY)8.9
Fwd EY10.1%
FCF(TTM)-36.85
FCFYN/A
OCF(TTM)-33.66
OCFYN/A
SpS41.2
BVpS103.35
TBVpS91.97
PEG (NY)0.55
PEG (5Y)N/A
Graham Number123.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 6.31% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 15.82% | ||
| 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
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-21.21%
PM growth 5Y-10.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.38 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 153.35% | ||
| Cap/Sales | 7.74% | ||
| 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
WACC11.93%
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)30.89%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%48.34%
EPS Next Y24.6%
EPS Next 2Y28.29%
EPS Next 3Y25.41%
EPS Next 5Y11.49%
Revenue 1Y (TTM)7.78%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%8.74%
Revenue Next Year6.66%
Revenue Next 2Y4.89%
Revenue Next 3Y4.39%
Revenue Next 5Y2.48%
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 1Y-21.12%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-24.05%
OCF growth 3YN/A
OCF growth 5YN/A
CITIGROUP INC / 1C.MI 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.
What is the profitability of 1C stock?
CITIGROUP INC (1C.MI) has a profitability rating of 1 / 10.
What is the valuation of CITIGROUP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for CITIGROUP INC (1C.MI) is 13.53 and the Price/Book (PB) ratio is 0.85.
What is the earnings growth outlook for CITIGROUP INC?
The Earnings per Share (EPS) of CITIGROUP INC (1C.MI) is expected to grow by 24.6% in the next year.