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CITIGROUP INC (C) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:C - US1729674242 - Common Stock

118.09 USD
+3.23 (+2.81%)
Last: 12/22/2025, 8:04:00 PM
118.2 USD
+0.11 (+0.09%)
Pre-Market: 12/23/2025, 5:19:19 AM
Fundamental Rating

3

C gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 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

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1

1. Profitability

1.1 Basic Checks

C had positive earnings in the past year.
C had a negative operating cash flow in the past year.
C had positive earnings in each of the past 5 years.
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

C has a Return On Assets of 0.51%. This is in the lower half of the industry: C underperforms 77.84% of its industry peers.
C has a worse Return On Equity (6.31%) than 70.62% of its industry peers.
Industry RankSector Rank
ROA 0.51%
ROE 6.31%
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

C's Profit Margin of 15.82% is on the low side compared to the rest of the industry. C is outperformed by 75.00% of its industry peers.
In the last couple of years the Profit Margin of C has declined.
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) 15.82%
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.
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 3.38 is on the high side and indicates that C has dependencies on debt financing.
C has a worse Debt to Equity ratio (3.38) than 93.30% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.38
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.89%
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.
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 7.78% in the past year.
The Revenue has been growing slightly by 1.78% on average over the past years.
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

Based on estimates for the next years, C will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.18% on average per year.
C is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.68% yearly.
EPS Next Y24.15%
EPS Next 2Y28.12%
EPS Next 3Y24.91%
EPS Next 5Y12.18%
Revenue Next Year6.33%
Revenue Next 2Y4.76%
Revenue Next 3Y4.33%
Revenue Next 5Y2.68%

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 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

The Price/Earnings ratio is 15.75, which indicates a correct valuation of C.
C's Price/Earnings ratio is a bit more expensive when compared to the industry. C is more expensive than 70.88% of the companies in the same industry.
C is valuated rather cheaply when we compare the Price/Earnings ratio to 26.61, which is the current average of the S&P500 Index.
C is valuated reasonably with a Price/Forward Earnings ratio of 11.55.
C's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.01, C is valued rather cheaply.
Industry RankSector Rank
PE 15.75
Fwd PE 11.55
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 24.91% in the coming years.
PEG (NY)0.65
PEG (5Y)N/A
EPS Next 2Y28.12%
EPS Next 3Y24.91%

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6

5. Dividend

5.1 Amount

C has a Yearly Dividend Yield of 2.13%.
Compared to an average industry Dividend Yield of 2.74, C is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.87, C has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.13%

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 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 39.71% of its income as dividend. This is a sustainable payout ratio.
C's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP39.71%
EPS Next 2Y28.12%
EPS Next 3Y24.91%
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 (12/22/2025, 8:04:00 PM)

Premarket: 118.2 +0.11 (+0.09%)

118.09

+3.23 (+2.81%)

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 Owners80.47%
Inst Owner Change0.48%
Ins Owners0.3%
Ins Owner Change5.15%
Market Cap211.30B
Revenue(TTM)84.93B
Net Income(TTM)13.44B
Analysts80.69
Price Target119.37 (1.08%)
Short Float %1.34%
Short Ratio1.91
Dividend
Industry RankSector Rank
Dividend Yield 2.13%
Yearly Dividend2.75
Dividend Growth(5Y)2.51%
DP39.71%
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)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)3.81%
PT rev (3m)13.59%
EPS NQ rev (1m)-2.16%
EPS NQ rev (3m)-1.04%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)0.16%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)2.4%
Revenue NY rev (1m)-0.3%
Revenue NY rev (3m)1.7%
Valuation
Industry RankSector Rank
PE 15.75
Fwd PE 11.55
P/S 2.49
P/FCF N/A
P/OCF N/A
P/B 0.99
P/tB 1.11
EV/EBITDA N/A
EPS(TTM)7.5
EY6.35%
EPS(NY)10.23
Fwd EY8.66%
FCF(TTM)-42.46
FCFYN/A
OCF(TTM)-38.78
OCFYN/A
SpS47.47
BVpS119.05
TBVpS105.95
PEG (NY)0.65
PEG (5Y)N/A
Graham Number141.74
Profitability
Industry RankSector 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)0.46%
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 3.38
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-Score4
WACC11.89%
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 Y24.15%
EPS Next 2Y28.12%
EPS Next 3Y24.91%
EPS Next 5Y12.18%
Revenue 1Y (TTM)7.78%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%8.74%
Revenue Next Year6.33%
Revenue Next 2Y4.76%
Revenue Next 3Y4.33%
Revenue Next 5Y2.68%
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-21.12%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-24.05%
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 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 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 6 / 10 and the dividend payout ratio is 39.71%.