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CITIGROUP INC (C) Stock Fundamental Analysis

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

78.23  -0.15 (-0.19%)

After market: 78.2 -0.03 (-0.04%)

Fundamental Rating

3

C gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. Both the profitability and financial health of C have multiple concerns. 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

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

Looking at the Return On Assets, with a value of 0.47%, C is doing worse than 76.77% of the companies in the same industry.
The Return On Equity of C (5.73%) is worse than 72.73% of its industry peers.
Industry RankSector Rank
ROA 0.47%
ROE 5.73%
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

With a Profit Margin value of 14.90%, C is not doing good in the industry: 75.51% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of C has declined.
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) 14.9%
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.
The number of shares outstanding for C has been reduced compared to 1 year ago.
C has less shares outstanding than it did 5 years ago.
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

C has a Debt/Equity ratio of 3.53. This is a high value indicating a heavy dependency on external financing.
C has a worse Debt to Equity ratio (3.53) than 95.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.53
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.92%
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.
C shows a small growth in Revenue. In the last year, the Revenue has grown by 4.49%.
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)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

Based on estimates for the next years, C will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.77% on average per year.
The Revenue is expected to grow by 3.16% on average over the next years.
EPS Next Y19.17%
EPS Next 2Y23.72%
EPS Next 3Y23.08%
EPS Next 5Y8.77%
Revenue Next Year3.42%
Revenue Next 2Y3.23%
Revenue Next 3Y3.16%
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 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 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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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.36, C is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as C.
The average S&P500 Price/Earnings ratio is at 26.60. C is valued rather cheaply when compared to this.
C is valuated reasonably with a Price/Forward Earnings ratio of 8.20.
C's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. C is cheaper than 74.75% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.39. C is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.36
Fwd PE 8.2
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 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.
A more expensive valuation may be justified as C's earnings are expected to grow with 23.08% in the coming years.
PEG (NY)0.64
PEG (5Y)N/A
EPS Next 2Y23.72%
EPS Next 3Y23.08%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.92%, C has a reasonable but not impressive dividend return.
C's Dividend Yield is comparable with the industry average which is at 3.51.
C's Dividend Yield is a higher than the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 2.92%

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

43.01% of the earnings are spent on dividend by C. 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.
DP43.01%
EPS Next 2Y23.72%
EPS Next 3Y23.08%
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 (6/12/2025, 8:04:00 PM)

After market: 78.2 -0.03 (-0.04%)

78.23

-0.15 (-0.19%)

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 Change2.64%
Ins Owners0.25%
Ins Owner Change1.51%
Market Cap146.11B
Analysts80.71
Price Target86.14 (10.11%)
Short Float %1.9%
Short Ratio2.12
Dividend
Industry RankSector Rank
Dividend Yield 2.92%
Yearly Dividend2.75
Dividend Growth(5Y)2.51%
DP43.01%
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)5.79%
Min EPS beat(2)3.89%
Max EPS beat(2)7.7%
EPS beat(4)4
Avg EPS beat(4)7.89%
Min EPS beat(4)3.89%
Max EPS beat(4)12.78%
EPS beat(8)8
Avg EPS beat(8)13.57%
EPS beat(12)11
Avg EPS beat(12)12.45%
EPS beat(16)15
Avg EPS beat(16)16.17%
Revenue beat(2)0
Avg Revenue beat(2)-1.02%
Min Revenue beat(2)-1.5%
Max Revenue beat(2)-0.53%
Revenue beat(4)1
Avg Revenue beat(4)-0.82%
Min Revenue beat(4)-1.62%
Max Revenue beat(4)0.39%
Revenue beat(8)3
Avg Revenue beat(8)-1.2%
Revenue beat(12)5
Avg Revenue beat(12)-0.05%
Revenue beat(16)8
Avg Revenue beat(16)0.29%
PT rev (1m)0.13%
PT rev (3m)-7.6%
EPS NQ rev (1m)-0.09%
EPS NQ rev (3m)-6.76%
EPS NY rev (1m)0.08%
EPS NY rev (3m)-2.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.71%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.32%
Valuation
Industry RankSector Rank
PE 12.36
Fwd PE 8.2
P/S 1.79
P/FCF N/A
P/OCF N/A
P/B 0.69
P/tB 0.77
EV/EBITDA N/A
EPS(TTM)6.33
EY8.09%
EPS(NY)9.54
Fwd EY12.19%
FCF(TTM)-39.6
FCFYN/A
OCF(TTM)-36.16
OCFYN/A
SpS43.71
BVpS113.73
TBVpS100.96
PEG (NY)0.64
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 5.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.9%
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 3.53
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 150.79%
Cap/Sales 7.85%
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
WACC11.92%
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 Y19.17%
EPS Next 2Y23.72%
EPS Next 3Y23.08%
EPS Next 5Y8.77%
Revenue 1Y (TTM)4.49%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%2.33%
Revenue Next Year3.42%
Revenue Next 2Y3.23%
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 1Y-3252.49%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1863.14%
OCF growth 3YN/A
OCF growth 5YN/A