Citigroup CDR (CITI.CA) Fundamental Analysis & Valuation
TSX:CITI
45.05 CAD
+0.08 (+0.18%)
Last: Mar 11, 2026, 07:00 PM
This CITI.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Overall CITI gets a fundamental rating of 3 out of 10. We evaluated CITI against 24 industry peers in the Banks industry. CITI has a bad profitability rating. Also its financial health evaluation is rather negative. CITI has a correct valuation and a medium growth rate.
1. CITI.CA Profitability Analysis
1.1 Basic Checks
- In the past year CITI was profitable.
- In the past year CITI has reported a negative cash flow from operations.
- In the past 5 years CITI has always been profitable.
- In multiple years CITI reported negative operating cash flow during the last 5 years.
1.2 Ratios
- The Return On Assets of CITI (0.49%) is worse than 79.17% of its industry peers.
- Looking at the Return On Equity, with a value of 6.13%, CITI is doing worse than 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.49% | ||
| ROE | 6.13% | ||
| 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 worse Profit Margin (15.28%) than 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) | 15.28% | ||
| 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. CITI.CA Health Analysis
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
- CITI has a worse debt/assets ratio than last year.
2.2 Solvency
- A Debt/Equity ratio of 3.37 is on the high side and indicates that CITI has dependencies on debt financing.
- With a Debt to Equity ratio value of 3.37, 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 | 3.37 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. CITI.CA Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an impressive 27.93% over the past year.
- 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
- CITI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.11% yearly.
- The Revenue is expected to grow by 4.04% on average over the next years.
EPS Next Y32.24%
EPS Next 2Y25.05%
EPS Next 3Y21.9%
EPS Next 5Y11.11%
Revenue Next Year4.92%
Revenue Next 2Y4.39%
Revenue Next 3Y3.81%
Revenue Next 5Y4.04%
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.
4. CITI.CA Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 4.16, which indicates a rather cheap valuation of CITI.
- CITI's Price/Earnings ratio is in line with the industry average.
- When comparing the Price/Earnings ratio of CITI to the average of the S&P500 Index (25.71), we can say CITI is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 3.14, the valuation of CITI can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CITI is on the same level as its industry peers.
- When comparing the Price/Forward Earnings ratio of CITI to the average of the S&P500 Index (23.82), we can say CITI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.16 | ||
| Fwd PE | 3.14 |
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 21.90% in the coming years.
PEG (NY)0.13
PEG (5Y)0.46
EPS Next 2Y25.05%
EPS Next 3Y21.9%
5. CITI.CA Dividend Analysis
5.1 Amount
- CITI has a Yearly Dividend Yield of 2.20%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 3.05, 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!
- CITI's Dividend Yield is a higher than the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.2% |
5.2 History
- The dividend of CITI has a limited annual growth rate of 3.05%.
- CITI is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)3.05%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- CITI pays out 41.26% of its income as dividend. This is a bit on the high side, but may be sustainable.
- CITI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP41.26%
EPS Next 2Y25.05%
EPS Next 3Y21.9%
CITI.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:CITI (3/11/2026, 7:00:00 PM)
45.05
+0.08 (+0.18%)
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 Owners80.83%
Inst Owner ChangeN/A
Ins Owners0.29%
Ins Owner ChangeN/A
Market Cap78.81B
Revenue(TTM)85.22B
Net Income(TTM)13.02B
Analysts81.33
Price Target55.69 (23.62%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.2% |
Yearly Dividend4.05
Dividend Growth(5Y)3.05%
DP41.26%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.77%
Min EPS beat(2)5.96%
Max EPS beat(2)15.58%
EPS beat(4)4
Avg EPS beat(4)11.39%
Min EPS beat(4)3.89%
Max EPS beat(4)20.15%
EPS beat(8)8
Avg EPS beat(8)15.16%
EPS beat(12)12
Avg EPS beat(12)13.27%
EPS beat(16)15
Avg EPS beat(16)14.84%
Revenue beat(2)1
Avg Revenue beat(2)0.65%
Min Revenue beat(2)-1.41%
Max Revenue beat(2)2.7%
Revenue beat(4)2
Avg Revenue beat(4)0.51%
Min Revenue beat(4)-1.41%
Max Revenue beat(4)2.7%
Revenue beat(8)3
Avg Revenue beat(8)-0.09%
Revenue beat(12)5
Avg Revenue beat(12)-0.27%
Revenue beat(16)7
Avg Revenue beat(16)0.26%
PT rev (1m)0.38%
PT rev (3m)N/A
EPS NQ rev (1m)-0.35%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.13%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.16 | ||
| Fwd PE | 3.14 | ||
| P/S | 0.68 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.27 | ||
| P/tB | 0.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.83
EY24.04%
EPS(NY)14.33
Fwd EY31.8%
FCF(TTM)-57.62
FCFYN/A
OCF(TTM)-52.55
OCFYN/A
SpS66.22
BVpS164.96
TBVpS146.79
PEG (NY)0.13
PEG (5Y)0.46
Graham Number200.49
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.49% | ||
| ROE | 6.13% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 15.28% | ||
| 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-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.37 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 149.1% | ||
| Cap/Sales | 7.65% | ||
| 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
WACC9.9%
ROIC/WACCN/A
Cap/Depr(3y)148.08%
Cap/Depr(5y)136.06%
Cap/Sales(3y)8.02%
Cap/Sales(5y)7.45%
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 Y32.24%
EPS Next 2Y25.05%
EPS Next 3Y21.9%
EPS Next 5Y11.11%
Revenue 1Y (TTM)5.43%
Revenue growth 3Y4.2%
Revenue growth 5Y2.45%
Sales Q2Q%7.48%
Revenue Next Year4.92%
Revenue Next 2Y4.39%
Revenue Next 3Y3.81%
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-183.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-243.85%
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 4.16 and the Price/Book (PB) ratio is 0.27.
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 41.26%.