Citigroup CDR (CITI.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:CITI -
47.1 CAD
-0.78 (-1.63%)
Taking everything into account, CITI scores 3 out of 10 in our fundamental rating. CITI was compared to 24 industry peers in the Banks industry. Both the profitability and financial health of CITI have multiple concerns. CITI has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year CITI was profitable.
- In the past year CITI has reported a negative cash flow from operations.
- CITI had positive earnings in each of the past 5 years.
- In multiple years CITI reported negative operating cash flow during the last 5 years.
1.2 Ratios
- CITI has a Return On Assets of 0.51%. This is in the lower half of the industry: CITI underperforms 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
- CITI has a Profit Margin of 15.82%. This is amonst the worse of the industry: CITI underperforms 87.50% of its industry peers.
- In the last couple of years the Profit Margin of CITI has grown nicely.
- 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.
- The number of shares outstanding for CITI has been reduced compared to 5 years ago.
- Compared to 1 year ago, CITI has a worse debt to assets ratio.
2.2 Solvency
- CITI has a Debt/Equity ratio of 3.33. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 3.33, CITI is not doing good in the industry: 83.33% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.33 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.53%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- CITI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.93%, which is quite impressive.
- The Earnings Per Share has been growing by 9.00% on average over the past years. This is quite good.
- Looking at the last year, CITI shows a small growth in Revenue. The Revenue has grown by 5.43% in the last year.
- 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
- Based on estimates for the next years, CITI will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.55% on average per year.
- CITI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.75% yearly.
EPS Next Y31.51%
EPS Next 2Y24.61%
EPS Next 3Y21.54%
EPS Next 5Y8.55%
Revenue Next Year4.84%
Revenue Next 2Y4.23%
Revenue Next 3Y3.86%
Revenue Next 5Y1.75%
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 4.29 indicates a rather cheap valuation of CITI.
- The rest of the industry has a similar Price/Earnings ratio as CITI.
- The average S&P500 Price/Earnings ratio is at 27.21. CITI is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 3.26, which indicates a rather cheap valuation of CITI.
- The rest of the industry has a similar Price/Forward Earnings ratio as CITI.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, CITI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.29 | ||
| Fwd PE | 3.26 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The 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 21.54% in the coming years.
PEG (NY)0.14
PEG (5Y)0.48
EPS Next 2Y24.61%
EPS Next 3Y21.54%
5. Dividend
5.1 Amount
- CITI has a Yearly Dividend Yield of 2.08%. Purely for dividend investing, there may be better candidates out there.
- With a Dividend Yield of 2.08, CITI pays less dividend than the industry average, which is at 3.05. 87.50% 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 is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)2.51%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- CITI pays out 39.71% of its income as dividend. This is a sustainable payout ratio.
- CITI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP39.71%
EPS Next 2Y24.61%
EPS Next 3Y21.54%
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 4.29 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%.