CITIGROUP INC (C)
US1729674242 - Common Stock
C gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. C may be in some trouble as it scores bad on both profitability and health. C has a expensive valuation and it also scores bad on growth.
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.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.33%, C is doing worse than 86.13% of the companies in the same industry.
The Return On Equity of C (3.82%) is worse than 85.40% of its industry peers.
| 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
The Profit Margin of C (10.01%) is worse than 86.62% of its industry peers.
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 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.
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
Compared to 1 year ago, C has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 2.84 is on the high side and indicates that C has dependencies on debt financing.
The Debt to Equity ratio of C (2.84) is worse than 94.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.84 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.08%
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.
The Revenue has been growing slightly by 4.16% in the past year.
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
C is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.15% yearly.
C is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.71% yearly.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
The Price/Earnings ratio is 11.21, which indicates a very decent valuation of C.
60.58% of the companies in the same industry are cheaper than C, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 24.92, C is valued rather cheaply.
A Price/Forward Earnings ratio of 10.78 indicates a reasonable valuation of C.
The rest of the industry has a similar Price/Forward Earnings ratio as C.
The average S&P500 Price/Forward Earnings ratio is at 21.49. C is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.21 | ||
| Fwd PE | 10.78 |
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 an expensive valuation of the company.
A more expensive valuation may be justified as C's earnings are expected to grow with 17.21% in the coming years.
PEG (NY)2.81
PEG (5Y)N/A
EPS Next 2Y14.43%
EPS Next 3Y17.21%
5. Dividend
5.1 Amount
C has a Yearly Dividend Yield of 3.64%.
Compared to an average industry Dividend Yield of 3.81, 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 2.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.64% |
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 (4/26/2024, 7:04:00 PM)
After market: 62.6 -0.06 (-0.1%)62.66
+0.87 (+1.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap119.77B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.64% |
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 | 11.21 | ||
| Fwd PE | 10.78 | ||
| 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)2.81
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