CITIGROUP INC (C) Stock Fundamental Analysis
USA - NYSE:C - US1729674242 - Common Stock
102.205 USD
+2.38 (+2.38%)
C gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. C may be in some trouble as it scores bad on both profitability and health. C is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year C was profitable.
C had a negative operating cash flow in the past year.
C had positive earnings in each of the past 5 years.
In multiple years C reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.51%, C is doing worse than 77.06% of the companies in the same industry.
C's Return On Equity of 6.31% is on the low side compared to the rest of the industry. C is outperformed by 69.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 6.31% | ||
| ROIC | N/A |
ROA(3y)0.46%
ROA(5y)0.54%
ROE(3y)5.37%
ROE(5y)6.27%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of C (15.82%) is worse than 75.26% of its industry peers.
In the last couple of years the Profit Margin of C has declined.
The Operating Margin and Gross Margin are not available for C so they could not be analyzed.
| 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-21.21%
PM growth 5Y-10.41%
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.
Compared to 1 year ago, C has less shares outstanding
Compared to 5 years ago, C has less shares outstanding
C has a worse debt/assets ratio than last year.
2.2 Solvency
C has a Debt/Equity ratio of 3.38. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of C (3.38) is worse than 93.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.38 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.02%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 30.89% over the past year.
Measured over the past years, C shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.49% on average per year.
Looking at the last year, C shows a small growth in Revenue. The Revenue has grown by 7.78% in the last year.
The Revenue has been growing slightly by 1.78% on average over the past years.
EPS 1Y (TTM)30.89%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%48.34%
Revenue 1Y (TTM)7.78%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%8.74%
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 11.49% yearly.
The Revenue is expected to grow by 2.48% on average over the next years.
EPS Next Y24.6%
EPS Next 2Y28.29%
EPS Next 3Y25.41%
EPS Next 5Y11.49%
Revenue Next Year6.66%
Revenue Next 2Y4.89%
Revenue Next 3Y4.39%
Revenue Next 5Y2.48%
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
A Price/Earnings ratio of 13.63 indicates a correct valuation of C.
Compared to the rest of the industry, the Price/Earnings ratio of C indicates a slightly more expensive valuation: C is more expensive than 63.66% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of C to the average of the S&P500 Index (25.47), we can say C is valued slightly cheaper.
With a Price/Forward Earnings ratio of 9.97, the valuation of C can be described as very reasonable.
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 35.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.63 | ||
| Fwd PE | 9.97 |
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 25.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.55
PEG (5Y)N/A
EPS Next 2Y28.29%
EPS Next 3Y25.41%
5. Dividend
5.1 Amount
C has a Yearly Dividend Yield of 2.38%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.39, C is paying slightly less dividend.
C's Dividend Yield is comparable with the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
5.2 History
The dividend of C has a limited annual growth rate of 2.51%.
C has paid a dividend for at least 10 years, which is 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
C pays out 39.71% of its income as dividend. This is a sustainable payout ratio.
C's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP39.71%
EPS Next 2Y28.29%
EPS Next 3Y25.41%
NYSE:C (11/20/2025, 10:53:09 AM)
102.205
+2.38 (+2.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.75%
Inst Owner Change0.36%
Ins Owners0.27%
Ins Owner Change8.46%
Market Cap182.88B
Revenue(TTM)84.93B
Net Income(TTM)13.44B
Analysts80.69
Price Target114.99 (12.51%)
Short Float %1.65%
Short Ratio2.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
Yearly Dividend2.75
Dividend Growth(5Y)2.51%
DP39.71%
Div Incr Years2
Div Non Decr Years13
Ex-Date
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)7.29%
PT rev (3m)10%
EPS NQ rev (1m)0.88%
EPS NQ rev (3m)0.92%
EPS NY rev (1m)0.52%
EPS NY rev (3m)4.75%
Revenue NQ rev (1m)2.13%
Revenue NQ rev (3m)2.86%
Revenue NY rev (1m)1.9%
Revenue NY rev (3m)2.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.63 | ||
| Fwd PE | 9.97 | ||
| P/S | 2.15 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.86 | ||
| P/tB | 0.96 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.5
EY7.34%
EPS(NY)10.25
Fwd EY10.03%
FCF(TTM)-42.46
FCFYN/A
OCF(TTM)-38.78
OCFYN/A
SpS47.47
BVpS119.05
TBVpS105.95
PEG (NY)0.55
PEG (5Y)N/A
Graham Number141.74
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)0.46%
ROA(5y)0.54%
ROE(3y)5.37%
ROE(5y)6.27%
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-21.21%
PM growth 5Y-10.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.38 | ||
| 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-Score4
WACC12.02%
ROIC/WACCN/A
Cap/Depr(3y)142.43%
Cap/Depr(5y)123.75%
Cap/Sales(3y)7.96%
Cap/Sales(5y)6.83%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)30.89%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%48.34%
EPS Next Y24.6%
EPS Next 2Y28.29%
EPS Next 3Y25.41%
EPS Next 5Y11.49%
Revenue 1Y (TTM)7.78%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%8.74%
Revenue Next Year6.66%
Revenue Next 2Y4.89%
Revenue Next 3Y4.39%
Revenue Next 5Y2.48%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-21.12%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-24.05%
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.
Can you provide the valuation status for CITIGROUP INC?
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 1 / 10.
What is the financial health of CITIGROUP INC (C) stock?
The financial health rating of CITIGROUP INC (C) is 1 / 10.
Can you provide the dividend sustainability for C stock?
The dividend rating of CITIGROUP INC (C) is 6 / 10 and the dividend payout ratio is 39.71%.