Logo image of C

CITIGROUP INC (C) Stock Fundamental Analysis

NYSE:C - US1729674242 - Common Stock

96.87 USD
+1.15 (+1.2%)
Last: 8/27/2025, 10:32:08 PM
97.15 USD
+0.28 (+0.29%)
After Hours: 8/27/2025, 10:32:08 PM
Fundamental Rating

3

C gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. Both the profitability and financial health of C have multiple concerns. C is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

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.
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.
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 worse Return On Assets (0.49%) than 74.55% of its industry peers.
The Return On Equity of C (6.05%) is worse than 70.48% 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 74.05% of the companies in the same industry.
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) 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

More info and screens

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.
The number of shares outstanding for C has been reduced compared to 5 years ago.
Compared to 1 year ago, C has a worse debt to assets ratio.
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 3.38 is on the high side and indicates that C has dependencies on debt financing.
With a Debt to Equity ratio value of 3.38, C is not doing good in the industry: 93.89% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.38
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.06%
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

More info and screens

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.94% over the past year.
C shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.49% yearly.
The Revenue has been growing slightly by 5.60% in the past year.
C shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.78% yearly.
EPS 1Y (TTM)17.94%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%28.95%
Revenue 1Y (TTM)5.6%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%7.59%

3.2 Future

Based on estimates for the next years, C will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.49% on average per year.
C is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.50% yearly.
EPS Next Y23.66%
EPS Next 2Y26.51%
EPS Next 3Y23.43%
EPS Next 5Y11.49%
Revenue Next Year4.55%
Revenue Next 2Y3.71%
Revenue Next 3Y3.5%
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

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

C is valuated correctly with a Price/Earnings ratio of 14.31.
Compared to the rest of the industry, the Price/Earnings ratio of C indicates a slightly more expensive valuation: C is more expensive than 61.58% of the companies listed in the same industry.
C's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.14.
With a Price/Forward Earnings ratio of 9.71, the valuation of C can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of C indicates a somewhat cheap valuation: C is cheaper than 64.38% of the companies listed in the same industry.
C is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.80, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.31
Fwd PE 9.71
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

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 23.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)N/A
EPS Next 2Y26.51%
EPS Next 3Y23.43%

More info and screens

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.59%, C has a reasonable but not impressive dividend return.
C's Dividend Yield is comparable with the industry average which is at 3.30.
C's Dividend Yield is comparable with the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 2.59%

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
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 41.13% 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.
DP41.13%
EPS Next 2Y26.51%
EPS Next 3Y23.43%
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

More info and screens

CITIGROUP INC

NYSE:C (8/27/2025, 10:32:08 PM)

After market: 97.15 +0.28 (+0.29%)

96.87

+1.15 (+1.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-15 2025-07-15/bmo
Earnings (Next)10-14 2025-10-14/bmo
Inst Owners80.65%
Inst Owner Change-3.88%
Ins Owners0.27%
Ins Owner Change-0.21%
Market Cap178.33B
Analysts80.71
Price Target104.64 (8.02%)
Short Float %1.99%
Short Ratio2.46
Dividend
Industry RankSector Rank
Dividend Yield 2.59%
Yearly Dividend2.75
Dividend Growth(5Y)2.51%
DP41.13%
Div Incr Years2
Div Non Decr Years13
Ex-Date08-04 2025-08-04 (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)3.85%
PT rev (3m)22.16%
EPS NQ rev (1m)0.64%
EPS NQ rev (3m)-1.53%
EPS NY rev (1m)3.96%
EPS NY rev (3m)3.77%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)-0.63%
Revenue NY rev (1m)0.88%
Revenue NY rev (3m)1.08%
Valuation
Industry RankSector Rank
PE 14.31
Fwd PE 9.71
P/S 2.14
P/FCF N/A
P/OCF N/A
P/B 0.84
P/tB 0.94
EV/EBITDA N/A
EPS(TTM)6.77
EY6.99%
EPS(NY)9.97
Fwd EY10.29%
FCF(TTM)-50.89
FCFYN/A
OCF(TTM)-47.35
OCFYN/A
SpS45.17
BVpS115.82
TBVpS102.63
PEG (NY)0.6
PEG (5Y)N/A
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
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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 3.38
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
WACC12.06%
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)17.94%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%28.95%
EPS Next Y23.66%
EPS Next 2Y26.51%
EPS Next 3Y23.43%
EPS Next 5Y11.49%
Revenue 1Y (TTM)5.6%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%7.59%
Revenue Next Year4.55%
Revenue Next 2Y3.71%
Revenue Next 3Y3.5%
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 1Y-17.09%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-18.24%
OCF growth 3YN/A
OCF growth 5YN/A