CITIGROUP INC (C)

US1729674242 - Common Stock

62.75  +1.09 (+1.77%)

After market: 62.6 -0.15 (-0.24%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to C. C was compared to 415 industry peers in the Banks industry. Both the profitability and financial health of C have multiple concerns. C has a valuation in line with the averages, but it does not seem to be growing.



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.

1.2 Ratios

The Return On Assets of C (0.33%) is worse than 89.88% of its industry peers.
Looking at the Return On Equity, with a value of 3.82%, C is doing worse than 89.40% of the companies in the same industry.
Industry RankSector Rank
ROA 0.33%
ROE 3.82%
ROIC N/A
ROA(3y)0.6%
ROA(5y)0.63%
ROE(3y)6.97%
ROE(5y)7.05%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 10.01%, C is not doing good in the industry: 88.67% of the companies in the same industry are doing better.
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) 10.01%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.56%
PM growth 5Y-15.25%
GM growth 3YN/A
GM growth 5YN/A

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.
Compared to 5 years ago, C has less shares outstanding
C has a worse debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 2.84 is on the high side and indicates that C has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 2.84, C is doing worse than 95.90% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.84
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

3

3. Growth

3.1 Past

C shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -22.47%.
C shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.41% yearly.
C shows a small growth in Revenue. In the last year, the Revenue has grown by 4.16%.
C shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.50% yearly.
EPS 1Y (TTM)-22.47%
EPS 3Y2.57%
EPS 5Y-3.41%
EPS growth Q2Q-23.64%
Revenue 1Y (TTM)4.16%
Revenue growth 3Y1.29%
Revenue growth 5Y1.5%
Revenue growth Q2Q-3.14%

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 7.15% on average per year.
The Revenue is expected to grow by 1.59% on average over the next years.
EPS Next Y7.04%
EPS Next 2Y14.18%
EPS Next 3Y17.97%
EPS Next 5Y7.15%
Revenue Next Year0.58%
Revenue Next 2Y1.24%
Revenue Next 3Y1.59%
Revenue Next 5YN/A

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 stable.

4

4. Valuation

4.1 Price/Earnings Ratio

C is valuated reasonably with a Price/Earnings ratio of 11.23.
63.37% of the companies in the same industry are cheaper than C, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.42. C is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 10.49, the valuation of C can be described as reasonable.
C's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of C to the average of the S&P500 Index (22.74), we can say C is valued rather cheaply.
Industry RankSector Rank
PE 11.23
Fwd PE 10.49

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
C's earnings are expected to grow with 17.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.59
PEG (5Y)N/A
EPS Next 2Y14.18%
EPS Next 3Y17.97%

6

5. Dividend

5.1 Amount

C has a Yearly Dividend Yield of 3.46%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.70, C has a dividend in line with its industry peers.
C's Dividend Yield is a higher than the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 3.46%

5.2 History

The dividend of C has a limited annual growth rate of 5.95%.
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)5.95%
Div Incr Years1
Div Non Decr Years12

5.3 Sustainability

C pays out 66.39% of its income as dividend. This is not a sustainable payout ratio.
C's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP66.39%
EPS Next 2Y14.18%
EPS Next 3Y17.97%

CITIGROUP INC

NYSE:C (3/27/2024, 8:04:02 PM)

After market: 62.6 -0.15 (-0.24%)

62.75

+1.09 (+1.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap119.94B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 3.46%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 11.23
Fwd PE 10.49
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.59
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.33%
ROE 3.82%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 10.01%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.84
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-22.47%
EPS 3Y2.57%
EPS 5Y
EPS growth Q2Q
EPS Next Y7.04%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)4.16%
Revenue growth 3Y1.29%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y