CITIGROUP INC (C) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:C - US1729674242 - Common Stock
117.87 USD
+0.41 (+0.35%)
We assign a fundamental rating of 3 out of 10 to C. C was compared to 383 industry peers in the Banks industry. C has a bad profitability rating. Also its financial health evaluation is rather negative. C has a correct valuation and a medium 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.
- The reported operating cash flow has been mixed in the past 5 years: C reported negative operating cash flow in multiple years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.51%, C is doing worse than 77.02% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 6.31%, C is doing worse than 70.23% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- C has a Profit Margin of 15.82%. This is in the lower half of the industry: C underperforms 74.67% 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 Rank | Sector 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
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
- The debt/assets ratio for C is higher compared to a year ago.
2.2 Solvency
- C has a Debt/Equity ratio of 3.33. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of C (3.33) is worse than 92.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.33 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.82%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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.
- Measured over the past years, C shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.00% on average per year.
- Looking at the last year, C shows a small growth in Revenue. The Revenue has grown by 5.43% in the last year.
- 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%1.48%
3.2 Future
- C is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.92% yearly.
- C is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.82% yearly.
EPS Next Y28.31%
EPS Next 2Y23.43%
EPS Next 3Y5.02%
EPS Next 5Y6.92%
Revenue Next Year3.56%
Revenue Next 2Y3.58%
Revenue Next 3Y0.55%
Revenue Next 5Y1.82%
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 decreasing.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 14.79 indicates a correct valuation of C.
- Based on the Price/Earnings ratio, C is valued a bit more expensive than 63.45% of the companies in the same industry.
- When comparing the Price/Earnings ratio of C to the average of the S&P500 Index (27.54), we can say C is valued slightly cheaper.
- C is valuated reasonably with a Price/Forward Earnings ratio of 11.53.
- C's Price/Forward Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.31, C is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.79 | ||
| Fwd PE | 11.53 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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.
PEG (NY)0.52
PEG (5Y)1.64
EPS Next 2Y23.43%
EPS Next 3Y5.02%
5. Dividend
5.1 Amount
- C has a Yearly Dividend Yield of 2.14%. Purely for dividend investing, there may be better candidates out there.
- C's Dividend Yield is slightly below the industry average, which is at 2.90.
- C's Dividend Yield is comparable with the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.14% |
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
- 39.71% of the earnings are spent on dividend by C. This is a low number and sustainable payout ratio.
- C's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP39.71%
EPS Next 2Y23.43%
EPS Next 3Y5.02%
NYSE:C (1/16/2026, 10:17:09 AM)
117.87
+0.41 (+0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-14 2026-01-14/bmo
Earnings (Next)04-14 2026-04-14
Inst Owners80.45%
Inst Owner Change0.17%
Ins Owners0.3%
Ins Owner Change5.29%
Market Cap210.90B
Revenue(TTM)85.22B
Net Income(TTM)13.44B
Analysts81.38
Price Target131.37 (11.45%)
Short Float %1.63%
Short Ratio2.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.14% |
Yearly Dividend2.75
Dividend Growth(5Y)2.51%
DP39.71%
Div Incr Years2
Div Non Decr Years13
Ex-DateN/A
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)3.25%
PT rev (3m)11.37%
EPS NQ rev (1m)-2.13%
EPS NQ rev (3m)-1.06%
EPS NY rev (1m)-0.25%
EPS NY rev (3m)0.16%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)2.31%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)1.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.79 | ||
| Fwd PE | 11.53 | ||
| P/S | 2.48 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.99 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.97
EY6.76%
EPS(NY)10.23
Fwd EY8.68%
FCF(TTM)-42.46
FCFYN/A
OCF(TTM)-38.78
OCFYN/A
SpS47.47
BVpS119.05
TBVpS105.95
PEG (NY)0.52
PEG (5Y)1.64
Graham Number146.11
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)0.43%
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 Rank | Sector 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
WACC11.82%
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 Y28.31%
EPS Next 2Y23.43%
EPS Next 3Y5.02%
EPS Next 5Y6.92%
Revenue 1Y (TTM)5.43%
Revenue growth 3Y4.2%
Revenue growth 5Y2.45%
Sales Q2Q%1.48%
Revenue Next Year3.56%
Revenue Next 2Y3.58%
Revenue Next 3Y0.55%
Revenue Next 5Y1.82%
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-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 14.79 and the Price/Book (PB) ratio is 0.99.
What is the financial health of CITIGROUP INC (C) stock?
The financial health rating of CITIGROUP INC (C) is 1 / 10.