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CITIGROUP INC (C) Stock Fundamental Analysis

NYSE:C - New York Stock Exchange, Inc. - US1729674242 - Common Stock - Currency: USD

68.16  +1.86 (+2.81%)

Premarket: 68.29 +0.13 (+0.19%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to C. C was compared to 398 industry peers in the Banks industry. C may be in some trouble as it scores bad on both profitability and health. C has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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1

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.
In the past 5 years C has always been profitable.
In multiple years C reported negative operating cash flow during the last 5 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B -60B

1.2 Ratios

C has a Return On Assets of 0.49%. This is in the lower half of the industry: C underperforms 74.37% of its industry peers.
C's Return On Equity of 5.49% is on the low side compared to the rest of the industry. C is outperformed by 72.61% of its industry peers.
Industry RankSector Rank
ROA 0.49%
ROE 5.49%
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
C Yearly ROA, ROE, ROICC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

C has a worse Profit Margin (14.12%) than 77.39% of its industry peers.
C's Profit Margin has declined 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) 14.12%
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
C Yearly Profit, Operating, Gross MarginsC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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.
C has less shares outstanding than it did 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T 2T

2.2 Solvency

A Debt/Equity ratio of 2.77 is on the high side and indicates that C has dependencies on debt financing.
The Debt to Equity ratio of C (2.77) is worse than 93.97% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.77
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.82%
C Yearly LT Debt VS Equity VS FCFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100B 200B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B

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5

3. Growth

3.1 Past

C shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.24%, which is quite good.
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 4.49% in the last year.
The Revenue has been growing slightly by 1.78% on average over the past years.
EPS 1Y (TTM)13.24%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%5.38%
Revenue 1Y (TTM)4.49%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%2.33%

3.2 Future

The Earnings Per Share is expected to grow by 8.77% on average over the next years. This is quite good.
The Revenue is expected to grow by 3.16% on average over the next years.
EPS Next Y19.08%
EPS Next 2Y23.24%
EPS Next 3Y21.41%
EPS Next 5Y8.77%
Revenue Next Year3.44%
Revenue Next 2Y3.33%
Revenue Next 3Y3.16%
Revenue Next 5YN/A

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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
C Yearly Revenue VS EstimatesC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20B 40B 60B 80B
C Yearly EPS VS EstimatesC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6 8 10

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.77, the valuation of C can be described as reasonable.
Based on the Price/Earnings ratio, C is valued a bit cheaper than 63.07% of the companies in the same industry.
C's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.92.
C is valuated cheaply with a Price/Forward Earnings ratio of 7.20.
87.69% of the companies in the same industry are more expensive than C, based on the Price/Forward Earnings ratio.
C is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.65, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.77
Fwd PE 7.2
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 20 40 60 80 100

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 21.41% in the coming years.
PEG (NY)0.56
PEG (5Y)N/A
EPS Next 2Y23.24%
EPS Next 3Y21.41%

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6

5. Dividend

5.1 Amount

C has a Yearly Dividend Yield of 3.47%.
C's Dividend Yield is comparable with the industry average which is at 3.63.
Compared to an average S&P500 Dividend Yield of 2.51, C pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.47%

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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

C pays out 45.37% of its income as dividend. 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.
DP45.37%
EPS Next 2Y23.24%
EPS Next 3Y21.41%
C Yearly Income VS Free CF VS DividendC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 (4/24/2025, 8:04:00 PM)

Premarket: 68.29 +0.13 (+0.19%)

68.16

+1.86 (+2.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-15 2025-04-15/bmo
Earnings (Next)07-15 2025-07-15/bmo
Inst Owners76.31%
Inst Owner Change0.26%
Ins Owners0.25%
Ins Owner Change1.43%
Market Cap128.29B
Analysts80.74
Price Target86.03 (26.22%)
Short Float %1.83%
Short Ratio2.11
Dividend
Industry RankSector Rank
Dividend Yield 3.47%
Yearly Dividend2.75
Dividend Growth(5Y)2.51%
DP45.37%
Div Incr Years2
Div Non Decr Years13
Ex-Date05-05 2025-05-05 (0.56)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.24%
Min EPS beat(2)7.7%
Max EPS beat(2)12.78%
EPS beat(4)4
Avg EPS beat(4)18.92%
Min EPS beat(4)7.18%
Max EPS beat(4)48.03%
EPS beat(8)8
Avg EPS beat(8)14.2%
EPS beat(12)11
Avg EPS beat(12)15.99%
EPS beat(16)15
Avg EPS beat(16)18.22%
Revenue beat(2)1
Avg Revenue beat(2)-0.56%
Min Revenue beat(2)-1.5%
Max Revenue beat(2)0.39%
Revenue beat(4)2
Avg Revenue beat(4)-0.33%
Min Revenue beat(4)-1.62%
Max Revenue beat(4)1.41%
Revenue beat(8)4
Avg Revenue beat(8)-0.48%
Revenue beat(12)6
Avg Revenue beat(12)0.29%
Revenue beat(16)9
Avg Revenue beat(16)0.47%
PT rev (1m)-1.51%
PT rev (3m)11.79%
EPS NQ rev (1m)-1.94%
EPS NQ rev (3m)-0.71%
EPS NY rev (1m)-2.6%
EPS NY rev (3m)0.34%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)1.64%
Revenue NY rev (1m)-0.49%
Revenue NY rev (3m)0.44%
Valuation
Industry RankSector Rank
PE 10.77
Fwd PE 7.2
P/S 1.58
P/FCF N/A
P/OCF N/A
P/B 0.62
P/tB 0.69
EV/EBITDA N/A
EPS(TTM)6.33
EY9.29%
EPS(NY)9.46
Fwd EY13.88%
FCF(TTM)-13.9
FCFYN/A
OCF(TTM)-10.45
OCFYN/A
SpS43.11
BVpS110.83
TBVpS98.19
PEG (NY)0.56
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.49%
ROE 5.49%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.12%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.77
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 150.78%
Cap/Sales 8.01%
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-Score6
WACC11.82%
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)13.24%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%5.38%
EPS Next Y19.08%
EPS Next 2Y23.24%
EPS Next 3Y21.41%
EPS Next 5Y8.77%
Revenue 1Y (TTM)4.49%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%2.33%
Revenue Next Year3.44%
Revenue Next 2Y3.33%
Revenue Next 3Y3.16%
Revenue Next 5YN/A
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 1Y67.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y73.21%
OCF growth 3YN/A
OCF growth 5YN/A