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

BIT:1C • US1729674242

96.02 EUR
-1.33 (-1.37%)
Last: Feb 25, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

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

Fundamental Rating

3

Overall 1C gets a fundamental rating of 3 out of 10. We evaluated 1C against 116 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.


Dividend Valuation Growth Profitability Health

2

1. 1C.MI Profitability Analysis

1.1 Basic Checks

  • 1C had positive earnings in the past year.
  • 1C had a negative operating cash flow in the past year.
  • 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

  • Looking at the Return On Assets, with a value of 0.51%, 1C is doing worse than 69.81% of the companies in the same industry.
  • With a Return On Equity value of 6.31%, 1C is not doing good in the industry: 69.81% of the companies in the same industry are doing better.
Industry RankSector 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
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's Profit Margin of 15.82% is on the low side compared to the rest of the industry. 1C is outperformed by 80.19% 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) 15.82%
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
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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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.
  • Compared to 1 year ago, 1C has less shares outstanding
  • 1C has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for 1C is higher compared to a year ago.
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.
  • 1C has a Debt to Equity ratio of 3.33. This is in the lower half of the industry: 1C underperforms 79.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.33
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12%
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

4

3. 1C.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.93% over the past year.
  • The Earnings Per Share has been growing by 9.00% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 5.43% in the past year.
  • The Revenue has been growing slightly by 2.45% on average over the past years.
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 small growth in Earnings Per Share. The EPS will grow by 6.92% on average per year.
  • 1C is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.75% yearly.
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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

  • A Price/Earnings ratio of 14.00 indicates a correct valuation of 1C.
  • Based on the Price/Earnings ratio, 1C is valued more expensive than 86.79% of the companies in the same industry.
  • 1C's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.25.
  • A Price/Forward Earnings ratio of 10.64 indicates a reasonable valuation of 1C.
  • 1C's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of 1C to the average of the S&P500 Index (24.39), we can say 1C is valued rather cheaply.
Industry RankSector Rank
PE 14
Fwd PE 10.64
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 -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 21.54% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.44
PEG (5Y)1.56
EPS Next 2Y24.61%
EPS Next 3Y21.54%

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

5

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 88.68% 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

  • 39.71% of the earnings are spent on dividend by 1C. This is a low number and sustainable payout ratio.
  • The dividend of 1C is growing, but earnings are growing more, so the dividend growth is sustainable.
DP39.71%
EPS Next 2Y24.61%
EPS Next 3Y21.54%
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 (2/25/2026, 7:00:00 PM)

96.02

-1.33 (-1.37%)

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 Cap167.97B
Revenue(TTM)85.22B
Net Income(TTM)13.44B
Analysts81.33
Price Target119.35 (24.3%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.2%
Yearly Dividend2.56
Dividend Growth(5Y)3.05%
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 RankSector Rank
PE 14
Fwd PE 10.64
P/S 2.35
P/FCF N/A
P/OCF N/A
P/B 0.94
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)6.86
EY7.14%
EPS(NY)9.02
Fwd EY9.4%
FCF(TTM)-36.54
FCFYN/A
OCF(TTM)-33.38
OCFYN/A
SpS40.86
BVpS102.47
TBVpS91.19
PEG (NY)0.44
PEG (5Y)1.56
Graham Number125.77
Profitability
Industry RankSector 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 RankSector 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%
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 and the Price/Book (PB) ratio is 0.94.


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.