CITIGROUP INC (1C.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:1C • US1729674242
97.35 EUR
-4.55 (-4.47%)
Last: Jan 21, 2026, 07:00 PM
1C gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 114 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.
1. Profitability
1.1 Basic Checks
- In the past year 1C was profitable.
- 1C had a negative operating cash flow in the past year.
- 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.
1.2 Ratios
- The Return On Assets of 1C (0.51%) is worse than 68.42% of its industry peers.
- 1C has a Return On Equity of 6.31%. This is in the lower half of the industry: 1C underperforms 71.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 6.31% | ||
| 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
1.3 Margins
- With a Profit Margin value of 15.82%, 1C is not doing good in the industry: 80.70% of the companies in the same industry are doing better.
- 1C's Profit Margin has improved in the last couple of years.
- 1C does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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-5.64%
PM growth 5Y3.15%
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.
- 1C has less shares outstanding than it did 5 years ago.
- 1C has a worse debt/assets ratio than last year.
2.2 Solvency
- 1C has a Debt/Equity ratio of 3.33. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 3.33, 1C is doing worse than 78.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.33 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.04%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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.
- 1C shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.00% yearly.
- Looking at the last year, 1C shows a small growth in Revenue. The Revenue has grown by 5.43% in the last year.
- 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
- 1C is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.92% yearly.
- Based on estimates for the next years, 1C will show a small growth in Revenue. The Revenue will grow by 1.75% on average per year.
EPS Next Y31.51%
EPS Next 2Y24.61%
EPS Next 3Y21.54%
EPS Next 5Y6.92%
Revenue Next Year4.84%
Revenue Next 2Y4.23%
Revenue Next 3Y3.86%
Revenue Next 5Y1.75%
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 decreasing.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 14.55, which indicates a correct valuation of 1C.
- Based on the Price/Earnings ratio, 1C is valued expensively inside the industry as 85.09% of the companies are valued cheaper.
- 1C is valuated rather cheaply when we compare the Price/Earnings ratio to 28.23, which is the current average of the S&P500 Index.
- 1C is valuated reasonably with a Price/Forward Earnings ratio of 11.07.
- The rest of the industry has a similar Price/Forward Earnings ratio as 1C.
- 1C's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.01.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.55 | ||
| Fwd PE | 11.07 |
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 21.54% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.46
PEG (5Y)1.62
EPS Next 2Y24.61%
EPS Next 3Y21.54%
5. Dividend
5.1 Amount
- 1C has a Yearly Dividend Yield of 2.08%.
- Compared to an average industry Dividend Yield of 4.12, 1C's dividend is way lower than its industry peers. On top of this 81.58% of the companies listed in the same industry pay a better dividend than 1C!
- 1C's Dividend Yield is comparable with the S&P500 average which is at 1.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
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.
- 1C's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP39.71%
EPS Next 2Y24.61%
EPS Next 3Y21.54%
BIT:1C (1/21/2026, 7:00:00 PM)
97.35
-4.55 (-4.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-14 2026-01-14/bmo
Earnings (Next)04-14 2026-04-14
Inst Owners80.45%
Inst Owner ChangeN/A
Ins Owners0.3%
Ins Owner ChangeN/A
Market Cap174.19B
Revenue(TTM)85.22B
Net Income(TTM)13.44B
Analysts81.38
Price Target111.75 (14.79%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
Yearly Dividend2.31
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)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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.55 | ||
| Fwd PE | 11.07 | ||
| P/S | 2.44 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.97 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.69
EY6.87%
EPS(NY)8.79
Fwd EY9.03%
FCF(TTM)-35.62
FCFYN/A
OCF(TTM)-32.54
OCFYN/A
SpS39.83
BVpS99.89
TBVpS88.89
PEG (NY)0.46
PEG (5Y)1.62
Graham Number122.62
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)0.43%
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.33 | ||
| 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-Score5
WACC12.04%
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)27.93%
EPS 3Y3.4%
EPS 5Y9%
EPS Q2Q%35.07%
EPS Next Y31.51%
EPS Next 2Y24.61%
EPS Next 3Y21.54%
EPS Next 5Y6.92%
Revenue 1Y (TTM)5.43%
Revenue growth 3Y4.2%
Revenue growth 5Y2.45%
Sales Q2Q%7.47%
Revenue Next Year4.84%
Revenue Next 2Y4.23%
Revenue Next 3Y3.86%
Revenue Next 5Y1.75%
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-36.37%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-41.24%
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 2 / 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 14.55 and the Price/Book (PB) ratio is 0.97.
What is the earnings growth outlook for CITIGROUP INC?
The Earnings per Share (EPS) of CITIGROUP INC (1C.MI) is expected to grow by 31.51% in the next year.