CITIGROUP INC (C)
US1729674242 - Common Stock
Overall C gets a fundamental rating of 2 out of 10. We evaluated C against 412 industry peers in the Banks industry. C has a bad profitability rating. Also its financial health evaluation is rather negative. C has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year C was profitable.
C had a negative operating cash flow in the past year.
In the past 5 years C has always been profitable.
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
C has a worse Return On Assets (0.33%) than 87.62% of its industry peers.
With a Return On Equity value of 3.82%, C is not doing good in the industry: 86.89% of the companies in the same industry are doing better.
| Industry Rank | Sector 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: 86.41% 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 Rank | Sector 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
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
The number of shares outstanding for C has been reduced compared to 5 years ago.
The debt/assets ratio for C is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 2.84 is on the high side and indicates that C has dependencies on debt financing.
C's Debt to Equity ratio of 2.84 is on the low side compared to the rest of the industry. C is outperformed by 95.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.84 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.01%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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%.
The Earnings Per Share has been decreasing by -3.41% on average over the past years.
C shows a small growth in Revenue. In the last year, the Revenue has grown by 4.16%.
Measured over the past years, C shows a small growth in Revenue. The Revenue has been growing by 1.50% on average per year.
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 1.71% on average over the next years.
EPS Next Y4%
EPS Next 2Y14.43%
EPS Next 3Y17.21%
EPS Next 5Y7.15%
Revenue Next Year0.69%
Revenue Next 2Y1.4%
Revenue Next 3Y1.71%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.41 indicates a reasonable valuation of C.
C's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 24.83. C is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.01, which indicates a very decent valuation of C.
Compared to the rest of the industry, the Price/Forward Earnings ratio of C is on the same level as its industry peers.
C's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.41 | ||
| Fwd PE | 10.01 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates C does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as C's earnings are expected to grow with 17.21% in the coming years.
PEG (NY)2.6
PEG (5Y)N/A
EPS Next 2Y14.43%
EPS Next 3Y17.21%
5. Dividend
5.1 Amount
C has a Yearly Dividend Yield of 3.62%.
C's Dividend Yield is comparable with the industry average which is at 3.90.
C's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.62% |
5.2 History
The dividend of C has a limited annual growth rate of 5.95%.
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)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 2Y14.43%
EPS Next 3Y17.21%
CITIGROUP INC
NYSE:C (4/17/2024, 7:04:00 PM)
After market: 58.22 +0.05 (+0.09%)58.17
+1.15 (+2.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap111.18B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.62% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.41 | ||
| Fwd PE | 10.01 | ||
| 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)2.6
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 Y4%
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