Citigroup CDR (CITI.CA) Stock Fundamental Analysis
TSX:CITI
47.82 CAD
+0.08 (+0.17%)
Last: Feb 20, 2026, 07:00 PM
Overall CITI gets a fundamental rating of 3 out of 10. We evaluated CITI against 24 industry peers in the Banks industry. CITI may be in some trouble as it scores bad on both profitability and health. CITI has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- CITI had positive earnings in the past year.
- In the past year CITI has reported a negative cash flow from operations.
- CITI had positive earnings in each of the past 5 years.
- The reported operating cash flow has been mixed in the past 5 years: CITI reported negative operating cash flow in multiple years.
1.2 Ratios
- CITI has a worse Return On Assets (0.51%) than 75.00% of its industry peers.
- CITI has a worse Return On Equity (6.31%) than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 6.31% | ||
| ROIC | N/A |
ROA(3y)0.43%
ROA(5y)0.56%
ROE(3y)5.15%
ROE(5y)6.51%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 15.82%, CITI is doing worse than 87.50% of the companies in the same industry.
- CITI's Profit Margin has improved in the last couple of years.
- CITI 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) | 15.82% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.64%
PM growth 5Y3.15%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- CITI does not have a ROIC to compare to the WACC, probably because it is not profitable.
- CITI has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, CITI has less shares outstanding
- Compared to 1 year ago, CITI has a worse debt to assets ratio.
2.2 Solvency
- A Debt/Equity ratio of 3.33 is on the high side and indicates that CITI has dependencies on debt financing.
- CITI's Debt to Equity ratio of 3.33 is on the low side compared to the rest of the industry. CITI is outperformed by 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.33 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.52%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 27.93% over the past year.
- Measured over the past years, CITI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.00% on average per year.
- CITI shows a small growth in Revenue. In the last year, the Revenue has grown by 5.43%.
- CITI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.45% yearly.
EPS 1Y (TTM)27.93%
EPS 3Y3.4%
EPS 5Y9%
EPS Q2Q%35.07%
Revenue 1Y (TTM)5.43%
Revenue growth 3Y4.2%
Revenue growth 5Y2.45%
Sales Q2Q%7.48%
3.2 Future
- The Earnings Per Share is expected to grow by 11.11% on average over the next years. This is quite good.
- CITI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.04% yearly.
EPS Next Y32.07%
EPS Next 2Y24.83%
EPS Next 3Y21.52%
EPS Next 5Y11.11%
Revenue Next Year4.93%
Revenue Next 2Y4.37%
Revenue Next 3Y3.74%
Revenue Next 5Y4.04%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 4.38 indicates a rather cheap valuation of CITI.
- Compared to the rest of the industry, the Price/Earnings ratio of CITI is on the same level as its industry peers.
- CITI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.99.
- CITI is valuated cheaply with a Price/Forward Earnings ratio of 3.32.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CITI is on the same level as its industry peers.
- CITI is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.38 | ||
| Fwd PE | 3.32 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- CITI'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 CITI's earnings are expected to grow with 21.52% in the coming years.
PEG (NY)0.14
PEG (5Y)0.49
EPS Next 2Y24.83%
EPS Next 3Y21.52%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.08%, CITI has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 3.11, CITI's dividend is way lower than its industry peers. On top of this 83.33% of the companies listed in the same industry pay a better dividend than CITI!
- Compared to an average S&P500 Dividend Yield of 1.81, CITI has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
5.2 History
- The dividend of CITI has a limited annual growth rate of 2.51%.
- CITI does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)2.51%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- 39.71% of the earnings are spent on dividend by CITI. This is a low number and sustainable payout ratio.
- The dividend of CITI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP39.71%
EPS Next 2Y24.83%
EPS Next 3Y21.52%
TSX:CITI (2/20/2026, 7:00:00 PM)
47.82
+0.08 (+0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-14 2026-01-14/bmo
Earnings (Next)04-14 2026-04-14
Inst Owners80.45%
Inst Owner ChangeN/A
Ins Owners0.3%
Ins Owner ChangeN/A
Market Cap85.56B
Revenue(TTM)85.22B
Net Income(TTM)13.44B
Analysts81.33
Price Target55.47 (16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
Yearly Dividend3.77
Dividend Growth(5Y)2.51%
DP39.71%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
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)-1.51%
Max Revenue beat(4)2.7%
Revenue beat(8)3
Avg Revenue beat(8)-1.01%
Revenue beat(12)5
Avg Revenue beat(12)-0.27%
Revenue beat(16)7
Avg Revenue beat(16)0.32%
PT rev (1m)1.91%
PT rev (3m)N/A
EPS NQ rev (1m)-5.77%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.42%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.38 | ||
| Fwd PE | 3.32 | ||
| P/S | 0.74 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.29 | ||
| P/tB | 0.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.91
EY22.81%
EPS(NY)14.41
Fwd EY30.14%
FCF(TTM)-58.13
FCFYN/A
OCF(TTM)-53.1
OCFYN/A
SpS65
BVpS163.01
TBVpS145.07
PEG (NY)0.14
PEG (5Y)0.49
Graham Number200.04
Profitability
| Industry Rank | Sector 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)0.43%
ROA(5y)0.56%
ROE(3y)5.15%
ROE(5y)6.51%
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-5.64%
PM growth 5Y3.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.33 | ||
| 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-Score5
WACC11.52%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.93%
EPS 3Y3.4%
EPS 5Y9%
EPS Q2Q%35.07%
EPS Next Y32.07%
EPS Next 2Y24.83%
EPS Next 3Y21.52%
EPS Next 5Y11.11%
Revenue 1Y (TTM)5.43%
Revenue growth 3Y4.2%
Revenue growth 5Y2.45%
Sales Q2Q%7.48%
Revenue Next Year4.93%
Revenue Next 2Y4.37%
Revenue Next 3Y3.74%
Revenue Next 5Y4.04%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year12.82%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-36.37%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-41.24%
OCF growth 3YN/A
OCF growth 5YN/A
Citigroup CDR / CITI.CA FAQ
What is the fundamental rating for CITI stock?
ChartMill assigns a fundamental rating of 3 / 10 to CITI.CA.
What is the valuation status of Citigroup CDR (CITI.CA) stock?
ChartMill assigns a valuation rating of 5 / 10 to Citigroup CDR (CITI.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for Citigroup CDR?
Citigroup CDR (CITI.CA) has a profitability rating of 2 / 10.
What is the valuation of Citigroup CDR based on its PE and PB ratios?
The Price/Earnings (PE) ratio for Citigroup CDR (CITI.CA) is 4.38 and the Price/Book (PB) ratio is 0.29.
How sustainable is the dividend of Citigroup CDR (CITI.CA) stock?
The dividend rating of Citigroup CDR (CITI.CA) is 3 / 10 and the dividend payout ratio is 39.71%.