CITIGROUP INC (C) Stock Fundamental Analysis
NYSE:C • US1729674242
110.57 USD
-5.62 (-4.84%)
Last: Feb 27, 2026, 11:12 AM
Taking everything into account, C scores 3 out of 10 in our fundamental rating. C was compared to 379 industry peers in the Banks industry. C may be in some trouble as it scores bad on both profitability and health. C has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- C had positive earnings in the past year.
- C had a negative operating cash flow in the past year.
- Each year in the past 5 years C has been profitable.
- The reported operating cash flow has been mixed in the past 5 years: C reported negative operating cash flow in multiple years.
1.2 Ratios
- The Return On Assets of C (0.51%) is worse than 77.84% of its industry peers.
- With a Return On Equity value of 6.31%, C is not doing good in the industry: 70.71% of the companies in the same industry are doing better.
| 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%, C is not doing good in the industry: 75.73% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of C has grown nicely.
- C 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
- C does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for C has been reduced compared to 1 year ago.
- The number of shares outstanding for C has been reduced compared to 5 years ago.
- The debt/assets ratio for C is higher compared to a year ago.
2.2 Solvency
- A Debt/Equity ratio of 3.33 is on the high side and indicates that C has dependencies on debt financing.
- C has a worse Debt to Equity ratio (3.33) than 92.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.33 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.78%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- C shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.93%, which is quite impressive.
- C shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.00% yearly.
- C shows a small growth in Revenue. In the last year, the Revenue has grown by 5.43%.
- C 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
- C is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.11% yearly.
- The Revenue is expected to grow by 4.04% on average over the next years.
EPS Next Y32.07%
EPS Next 2Y24.83%
EPS Next 3Y21.52%
EPS Next 5Y11.11%
Revenue Next Year4.91%
Revenue Next 2Y4.28%
Revenue Next 3Y3.9%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 13.87, which indicates a correct valuation of C.
- C's Price/Earnings ratio is a bit more expensive when compared to the industry. C is more expensive than 66.49% of the companies in the same industry.
- When comparing the Price/Earnings ratio of C to the average of the S&P500 Index (27.11), we can say C is valued slightly cheaper.
- The Price/Forward Earnings ratio is 10.50, which indicates a very decent valuation of C.
- The rest of the industry has a similar Price/Forward Earnings ratio as C.
- The average S&P500 Price/Forward Earnings ratio is at 28.13. C is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.87 | ||
| Fwd PE | 10.5 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- C's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- C's earnings are expected to grow with 21.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.43
PEG (5Y)1.54
EPS Next 2Y24.83%
EPS Next 3Y21.52%
5. Dividend
5.1 Amount
- C has a Yearly Dividend Yield of 2.16%.
- C's Dividend Yield is slightly below the industry average, which is at 2.74.
- Compared to an average S&P500 Dividend Yield of 1.80, C has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.16% |
5.2 History
- The dividend of C has a limited annual growth rate of 2.51%.
- C has been paying a dividend for at least 10 years, so it has a reliable track record.
- C has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.51%
Div Incr Years2
Div Non Decr Years13
5.3 Sustainability
- 39.71% of the earnings are spent on dividend by C. This is a low number and sustainable payout ratio.
- The dividend of C is growing, but earnings are growing more, so the dividend growth is sustainable.
DP39.71%
EPS Next 2Y24.83%
EPS Next 3Y21.52%
NYSE:C (2/27/2026, 11:12:08 AM)
110.57
-5.62 (-4.84%)
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 Change-1.23%
Ins Owners0.3%
Ins Owner Change6.12%
Market Cap197.84B
Revenue(TTM)85.22B
Net Income(TTM)13.44B
Analysts81.33
Price Target133.99 (21.18%)
Short Float %1.44%
Short Ratio1.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.16% |
Yearly Dividend2.75
Dividend Growth(5Y)2.51%
DP39.71%
Div Incr Years2
Div Non Decr Years13
Ex-Date02-02 2026-02-02 (0.6)
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)-0.15%
Revenue beat(16)8
Avg Revenue beat(16)0.41%
PT rev (1m)2%
PT rev (3m)16.52%
EPS NQ rev (1m)-5.77%
EPS NQ rev (3m)-7.8%
EPS NY rev (1m)0.42%
EPS NY rev (3m)2.65%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)-0.18%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)1.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.87 | ||
| Fwd PE | 10.5 | ||
| P/S | 2.33 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.93 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.97
EY7.21%
EPS(NY)10.53
Fwd EY9.52%
FCF(TTM)-42.46
FCFYN/A
OCF(TTM)-38.78
OCFYN/A
SpS47.47
BVpS119.05
TBVpS105.95
PEG (NY)0.43
PEG (5Y)1.54
Graham Number146.11
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
WACC11.78%
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 Y32.07%
EPS Next 2Y24.83%
EPS Next 3Y21.52%
EPS Next 5Y11.11%
Revenue 1Y (TTM)5.43%
Revenue growth 3Y4.2%
Revenue growth 5Y2.45%
Sales Q2Q%7.47%
Revenue Next Year4.91%
Revenue Next 2Y4.28%
Revenue Next 3Y3.9%
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-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 / C FAQ
What is the fundamental rating for C stock?
ChartMill assigns a fundamental rating of 3 / 10 to C.
What is the valuation status of CITIGROUP INC (C) stock?
ChartMill assigns a valuation rating of 4 / 10 to CITIGROUP INC (C). This can be considered as Fairly Valued.
How profitable is CITIGROUP INC (C) stock?
CITIGROUP INC (C) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for C stock?
The Price/Earnings (PE) ratio for CITIGROUP INC (C) is 13.87 and the Price/Book (PB) ratio is 0.93.
What is the financial health of CITIGROUP INC (C) stock?
The financial health rating of CITIGROUP INC (C) is 1 / 10.