CITIGROUP INC (C) Fundamental Analysis & Valuation

NYSE:C • US1729674242

Current stock price

126.28 USD
+1.89 (+1.52%)
At close:
126.28 USD
0 (0%)
After Hours:

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

2

1. C Profitability Analysis

1.1 Basic Checks

  • In the past year C was profitable.
  • In the past year C has reported a negative cash flow from operations.
  • C had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: C reported negative operating cash flow in multiple years.
C Yearly Net Income VS EBIT VS OCF VS FCFC 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

  • C's Return On Assets of 0.49% is on the low side compared to the rest of the industry. C is outperformed by 84.08% of its industry peers.
  • The Return On Equity of C (6.13%) is worse than 76.92% of its industry peers.
Industry RankSector Rank
ROA 0.49%
ROE 6.13%
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
C Yearly ROA, ROE, ROICC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

1.3 Margins

  • C's Profit Margin of 15.28% is on the low side compared to the rest of the industry. C is outperformed by 81.96% of its industry peers.
  • C's Profit Margin has improved in the last couple of years.
  • C does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 15.28%
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
C Yearly Profit, Operating, Gross MarginsC 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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. C Health Analysis

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.
  • Compared to 5 years ago, C has less shares outstanding
  • C has a worse debt/assets ratio than last year.
C Yearly Shares OutstandingC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B
C Yearly Total Debt VS Total AssetsC 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

  • A Debt/Equity ratio of 3.37 is on the high side and indicates that C has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 3.37, C is doing worse than 93.63% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.37
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.64%
C Yearly LT Debt VS Equity VS FCFC 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
C Yearly Current Assets VS Current LiabilitesC 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

6

3. C Growth Analysis

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.
  • The Earnings Per Share has been growing by 9.00% on average over the past years. This is quite good.
  • 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.
  • Based on estimates for the next years, C will show a small growth in Revenue. The Revenue will grow by 4.04% on average per year.
EPS Next Y31.58%
EPS Next 2Y25.17%
EPS Next 3Y22.77%
EPS Next 5Y11.11%
Revenue Next Year5.78%
Revenue Next 2Y4.83%
Revenue Next 3Y4.55%
Revenue Next 5Y4.04%

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.
C Yearly Revenue VS EstimatesC 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
C Yearly EPS VS EstimatesC 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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Find the best growth stocksShow best growing peers

4

4. C Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 15.84, which indicates a correct valuation of C.
  • 73.74% of the companies in the same industry are cheaper than C, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.86, C is valued a bit cheaper.
  • C is valuated correctly with a Price/Forward Earnings ratio of 12.04.
  • C's Price/Forward Earnings is on the same level as the industry average.
  • C's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.39.
Industry RankSector Rank
PE 15.84
Fwd PE 12.04
C Price Earnings VS Forward Price EarningsC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
C Per share dataC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 100

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.
  • A more expensive valuation may be justified as C's earnings are expected to grow with 22.77% in the coming years.
PEG (NY)0.5
PEG (5Y)1.76
EPS Next 2Y25.17%
EPS Next 3Y22.77%

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

5

5. C Dividend Analysis

5.1 Amount

  • C has a Yearly Dividend Yield of 1.92%.
  • Compared to an average industry Dividend Yield of 2.53, C is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, C has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.92%

5.2 History

  • The dividend of C has a limited annual growth rate of 3.05%.
  • 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)3.05%
Div Incr Years3
Div Non Decr Years14
C Yearly Dividends per shareC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 41.26% of the earnings are spent on dividend by C. This is a bit on the high side, but may be sustainable.
  • C's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP41.26%
EPS Next 2Y25.17%
EPS Next 3Y22.77%
C Yearly Income VS Free CF VS DividendC 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
C Dividend Payout.C Dividend Payout, showing the Payout Ratio.C Dividend Payout.PayoutRetained Earnings

More info and screens

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C Fundamentals: All Metrics, Ratios and Statistics

CITIGROUP INC

NYSE:C (4/13/2026, 5:05:00 PM)

After market: 126.28 0 (0%)

126.28

+1.89 (+1.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-14
Earnings (Next)04-14
Inst Owners81.11%
Inst Owner Change0.04%
Ins Owners0.29%
Ins Owner Change4.47%
Market Cap216.56B
Revenue(TTM)85.22B
Net Income(TTM)13.02B
Analysts81.94
Price Target132.91 (5.25%)
Short Float %1.68%
Short Ratio1.92
Dividend
Industry RankSector Rank
Dividend Yield 1.92%
Yearly Dividend2.96
Dividend Growth(5Y)3.05%
DP41.26%
Div Incr Years3
Div Non Decr Years14
Ex-Date05-04
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.77%
Min EPS beat(2)5.96%
Max EPS beat(2)15.58%
EPS beat(4)4
Avg EPS beat(4)11.39%
Min EPS beat(4)3.89%
Max EPS beat(4)20.15%
EPS beat(8)8
Avg EPS beat(8)15.16%
EPS beat(12)12
Avg EPS beat(12)13.27%
EPS beat(16)15
Avg EPS beat(16)14.84%
Revenue beat(2)1
Avg Revenue beat(2)0.65%
Min Revenue beat(2)-1.41%
Max Revenue beat(2)2.7%
Revenue beat(4)2
Avg Revenue beat(4)0.51%
Min Revenue beat(4)-1.41%
Max Revenue beat(4)2.7%
Revenue beat(8)4
Avg Revenue beat(8)0.09%
Revenue beat(12)6
Avg Revenue beat(12)-0.15%
Revenue beat(16)8
Avg Revenue beat(16)0.35%
PT rev (1m)-1.49%
PT rev (3m)11.34%
EPS NQ rev (1m)0.83%
EPS NQ rev (3m)3.9%
EPS NY rev (1m)-0.37%
EPS NY rev (3m)2.55%
Revenue NQ rev (1m)1.57%
Revenue NQ rev (3m)3.78%
Revenue NY rev (1m)0.82%
Revenue NY rev (3m)2.63%
Valuation
Industry RankSector Rank
PE 15.84
Fwd PE 12.04
P/S 2.54
P/FCF N/A
P/OCF N/A
P/B 1.02
P/tB 1.15
EV/EBITDA N/A
EPS(TTM)7.97
EY6.31%
EPS(NY)10.49
Fwd EY8.3%
FCF(TTM)-43.24
FCFYN/A
OCF(TTM)-39.44
OCFYN/A
SpS49.7
BVpS123.79
TBVpS110.16
PEG (NY)0.5
PEG (5Y)1.76
Graham Number148.99
Profitability
Industry RankSector Rank
ROA 0.49%
ROE 6.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.28%
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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 3.37
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 149.1%
Cap/Sales 7.65%
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
WACC10.64%
ROIC/WACCN/A
Cap/Depr(3y)148.08%
Cap/Depr(5y)136.06%
Cap/Sales(3y)8.02%
Cap/Sales(5y)7.45%
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 Y31.58%
EPS Next 2Y25.17%
EPS Next 3Y22.77%
EPS Next 5Y11.11%
Revenue 1Y (TTM)5.43%
Revenue growth 3Y4.2%
Revenue growth 5Y2.45%
Sales Q2Q%7.47%
Revenue Next Year5.78%
Revenue Next 2Y4.83%
Revenue Next 3Y4.55%
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-183.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-243.85%
OCF growth 3YN/A
OCF growth 5YN/A

CITIGROUP INC / C Fundamental Analysis FAQ

What is the fundamental rating for C stock?

ChartMill assigns a fundamental rating of 3 / 10 to C.


What is the valuation status for C stock?

ChartMill assigns a valuation rating of 4 / 10 to CITIGROUP INC (C). This can be considered as Fairly Valued.


Can you provide the profitability details for CITIGROUP INC?

CITIGROUP INC (C) has a profitability rating of 2 / 10.


What is the earnings growth outlook for CITIGROUP INC?

The Earnings per Share (EPS) of CITIGROUP INC (C) is expected to grow by 31.58% in the next year.


How sustainable is the dividend of CITIGROUP INC (C) stock?

The dividend rating of CITIGROUP INC (C) is 5 / 10 and the dividend payout ratio is 41.26%.