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CITIGROUP INC (C) Stock Fundamental Analysis

USA - NYSE:C - US1729674242 - Common Stock

100.99 USD
+2.21 (+2.24%)
Last: 10/27/2025, 4:38:02 PM
101.03 USD
+0.04 (+0.04%)
After Hours: 10/27/2025, 4:38:02 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to C. C was compared to 390 industry peers in the Banks industry. Both the profitability and financial health of C have multiple concerns. C has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

C had positive earnings in the past year.
In the past year C has reported a negative cash flow from operations.
Each year in the past 5 years C has 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

With a Return On Assets value of 0.49%, C is not doing good in the industry: 76.15% of the companies in the same industry are doing better.
C has a worse Return On Equity (6.05%) than 70.26% of its industry peers.
Industry RankSector Rank
ROA 0.49%
ROE 6.05%
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

Looking at the Profit Margin, with a value of 15.52%, C is doing worse than 74.10% of the companies in the same industry.
C's Profit Margin has declined 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) 15.52%
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.
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.
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 3.31 is on the high side and indicates that C has dependencies on debt financing.
The Debt to Equity ratio of C (3.31) is worse than 93.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.31
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.99%
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

The Earnings Per Share has grown by an impressive 30.89% over the past year.
The Earnings Per Share has been decreasing by -4.49% on average over the past years.
C shows a small growth in Revenue. In the last year, the Revenue has grown by 7.78%.
Measured over the past years, C shows a small growth in Revenue. The Revenue has been growing by 1.78% on average per year.
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

The Earnings Per Share is expected to grow by 11.49% on average over the next years. This is quite good.
C is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.48% yearly.
EPS Next Y24.52%
EPS Next 2Y28.14%
EPS Next 3Y25.47%
EPS Next 5Y11.49%
Revenue Next Year6.6%
Revenue Next 2Y4.85%
Revenue Next 3Y4.38%
Revenue Next 5Y2.48%

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 2014 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 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6 8 10

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4

4. Valuation

4.1 Price/Earnings Ratio

C is valuated correctly with a Price/Earnings ratio of 13.47.
C's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.89. C is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 9.87, the valuation of C can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as C.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.99, C is valued rather cheaply.
Industry RankSector Rank
PE 13.47
Fwd PE 9.87
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 -50 100

4.3 Compensation for Growth

The 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 25.47% in the coming years.
PEG (NY)0.55
PEG (5Y)N/A
EPS Next 2Y28.14%
EPS Next 3Y25.47%

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6

5. Dividend

5.1 Amount

C has a Yearly Dividend Yield of 2.48%.
Compared to an average industry Dividend Yield of 3.53, C has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, C has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.48%

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

5.3 Sustainability

41.13% of the earnings are spent on dividend by C. This is a bit on the high side, but may be sustainable.
The dividend of C is growing, but earnings are growing more, so the dividend growth is sustainable.
DP41.13%
EPS Next 2Y28.14%
EPS Next 3Y25.47%
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 (10/27/2025, 4:38:02 PM)

After market: 101.03 +0.04 (+0.04%)

100.99

+2.21 (+2.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-14 2025-10-14/bmo
Earnings (Next)01-14 2026-01-14/amc
Inst Owners79.75%
Inst Owner Change0.07%
Ins Owners0.27%
Ins Owner Change5.15%
Market Cap180.70B
Revenue(TTM)84.93B
Net Income(TTM)12.90B
Analysts80
Price Target107.18 (6.13%)
Short Float %1.65%
Short Ratio2.17
Dividend
Industry RankSector Rank
Dividend Yield 2.48%
Yearly Dividend2.75
Dividend Growth(5Y)2.51%
DP41.13%
Div Incr Years2
Div Non Decr Years13
Ex-Date11-03 2025-11-03 (0.6)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.02%
Min EPS beat(2)3.89%
Max EPS beat(2)20.15%
EPS beat(4)4
Avg EPS beat(4)11.13%
Min EPS beat(4)3.89%
Max EPS beat(4)20.15%
EPS beat(8)8
Avg EPS beat(8)15.64%
EPS beat(12)11
Avg EPS beat(12)11.29%
EPS beat(16)15
Avg EPS beat(16)15.47%
Revenue beat(2)1
Avg Revenue beat(2)0.37%
Min Revenue beat(2)-0.53%
Max Revenue beat(2)1.27%
Revenue beat(4)2
Avg Revenue beat(4)-0.09%
Min Revenue beat(4)-1.5%
Max Revenue beat(4)1.27%
Revenue beat(8)4
Avg Revenue beat(8)-0.89%
Revenue beat(12)5
Avg Revenue beat(12)-0.42%
Revenue beat(16)8
Avg Revenue beat(16)0.29%
PT rev (1m)1.99%
PT rev (3m)6.37%
EPS NQ rev (1m)0.36%
EPS NQ rev (3m)3.56%
EPS NY rev (1m)0.46%
EPS NY rev (3m)4.68%
Revenue NQ rev (1m)0.79%
Revenue NQ rev (3m)1.29%
Revenue NY rev (1m)1.96%
Revenue NY rev (3m)2.86%
Valuation
Industry RankSector Rank
PE 13.47
Fwd PE 9.87
P/S 2.17
P/FCF N/A
P/OCF N/A
P/B 0.85
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)7.5
EY7.43%
EPS(NY)10.23
Fwd EY10.13%
FCF(TTM)-52.36
FCFYN/A
OCF(TTM)-48.71
OCFYN/A
SpS46.47
BVpS119.17
TBVpS105.59
PEG (NY)0.55
PEG (5Y)N/A
Graham Number141.81
Profitability
Industry RankSector Rank
ROA 0.49%
ROE 6.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.52%
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 RankSector Rank
Debt/Equity 3.31
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 153.54%
Cap/Sales 7.84%
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
WACC11.99%
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 Y24.52%
EPS Next 2Y28.14%
EPS Next 3Y25.47%
EPS Next 5Y11.49%
Revenue 1Y (TTM)7.78%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%8.74%
Revenue Next Year6.6%
Revenue Next 2Y4.85%
Revenue Next 3Y4.38%
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-17.09%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-18.24%
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.


Can you provide the valuation status for CITIGROUP INC?

ChartMill assigns a valuation rating of 5 / 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 5 / 10 and the dividend payout ratio is 41.13%.