CITIGROUP INC (C) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:C • US1729674242

115.74 USD
-1.69 (-1.44%)
At close: Feb 5, 2026
116.35 USD
+0.61 (+0.53%)
Pre-Market: 2/6/2026, 5:02:31 AM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to C. C was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of C have multiple concerns. C has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

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

  • With a Return On Assets value of 0.51%, C is not doing good in the industry: 77.28% of the companies in the same industry are doing better.
  • With a Return On Equity value of 6.31%, C is not doing good in the industry: 70.50% 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
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 15.82% is on the low side compared to the rest of the industry. C is outperformed by 75.20% of its industry peers.
  • C's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for C 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
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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1

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.
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

  • C has a Debt/Equity ratio of 3.33. This is a high value indicating a heavy dependency on external financing.
  • C has a Debt to Equity ratio of 3.33. This is amonst the worse of the industry: C underperforms 92.69% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.33
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.89%
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

4

3. Growth

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.
  • C shows a small growth in Revenue. In the last year, the Revenue has grown by 5.43%.
  • Measured over the past years, C shows a small growth in Revenue. The Revenue has been growing by 2.45% on average per year.
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, C will show a small growth in Earnings Per Share. The EPS will grow by 6.92% on average per year.
  • C 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.
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 20B 40B 60B 80B
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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4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.52 indicates a correct valuation of C.
  • Based on the Price/Earnings ratio, C is valued a bit more expensive than 63.71% of the companies in the same industry.
  • C is valuated rather cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 11.04, which indicates a very decent valuation of C.
  • C's Price/Forward Earnings ratio is in line with the industry average.
  • C's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.20.
Industry RankSector Rank
PE 14.52
Fwd PE 11.04
C Price Earnings VS Forward Price EarningsC 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
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.
  • C'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)1.61
EPS Next 2Y24.61%
EPS Next 3Y21.54%

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.08%, C has a reasonable but not impressive dividend return.
  • C's Dividend Yield is slightly below the industry average, which is at 2.71.
  • C's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.08%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)2.51%
Div Incr Years2
Div Non Decr Years13
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

  • C pays out 39.71% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of C is growing, but earnings are growing more, so the dividend growth is sustainable.
DP39.71%
EPS Next 2Y24.61%
EPS Next 3Y21.54%
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

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CITIGROUP INC

NYSE:C (2/5/2026, 8:12:29 PM)

Premarket: 116.35 +0.61 (+0.53%)

115.74

-1.69 (-1.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-14
Earnings (Next)04-14
Inst Owners80.45%
Inst Owner Change-2.28%
Ins Owners0.3%
Ins Owner Change0.54%
Market Cap207.09B
Revenue(TTM)85.22B
Net Income(TTM)13.44B
Analysts81.38
Price Target131.37 (13.5%)
Short Float %1.41%
Short Ratio1.81
Dividend
Industry RankSector Rank
Dividend Yield 2.08%
Yearly Dividend2.75
Dividend Growth(5Y)2.51%
DP39.71%
Div Incr Years2
Div Non Decr Years13
Ex-Date02-02
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)10.05%
PT rev (3m)22.57%
EPS NQ rev (1m)-5.77%
EPS NQ rev (3m)-7.84%
EPS NY rev (1m)2.5%
EPS NY rev (3m)2.46%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)-0.01%
Revenue NY rev (1m)1.72%
Revenue NY rev (3m)1.54%
Valuation
Industry RankSector Rank
PE 14.52
Fwd PE 11.04
P/S 2.44
P/FCF N/A
P/OCF N/A
P/B 0.97
P/tB 1.09
EV/EBITDA N/A
EPS(TTM)7.97
EY6.89%
EPS(NY)10.48
Fwd EY9.06%
FCF(TTM)-42.46
FCFYN/A
OCF(TTM)-38.78
OCFYN/A
SpS47.47
BVpS119.05
TBVpS105.95
PEG (NY)0.46
PEG (5Y)1.61
Graham Number146.11
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
WACC11.89%
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 / 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 14.52 and the Price/Book (PB) ratio is 0.97.


What is the financial health of CITIGROUP INC (C) stock?

The financial health rating of CITIGROUP INC (C) is 1 / 10.