CITIGROUP INC (TRVC.DE) Stock Fundamental Analysis
FRA:TRVC - Deutsche Boerse Ag - US1729674242 - Common Stock - Currency: EUR
TRVC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 91 industry peers in the Banks industry. Both the profitability and financial health of TRVC have multiple concerns. TRVC has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year TRVC was profitable.
In the past year TRVC has reported a negative cash flow from operations.
TRVC had positive earnings in each of the past 5 years.
In multiple years TRVC reported negative operating cash flow during the last 5 years.
1.2 Ratios
TRVC has a Return On Assets of 0.47%. This is in the lower half of the industry: TRVC underperforms 65.93% of its industry peers.
The Return On Equity of TRVC (5.73%) is worse than 65.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 5.73% | ||
| ROIC | N/A |
ROA(3y)0.46%
ROA(5y)0.54%
ROE(3y)5.37%
ROE(5y)6.27%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of TRVC (14.90%) is worse than 72.53% of its industry peers.
TRVC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for TRVC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 14.9% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-21.21%
PM growth 5Y-10.41%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
TRVC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for TRVC has been reduced compared to 1 year ago.
Compared to 5 years ago, TRVC has less shares outstanding
The debt/assets ratio for TRVC is higher compared to a year ago.
2.2 Solvency
TRVC has a Debt/Equity ratio of 3.53. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of TRVC (3.53) is worse than 76.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.53 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.94%
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 nice 13.24% over the past year.
Measured over the past years, TRVC shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.49% on average per year.
TRVC shows a small growth in Revenue. In the last year, the Revenue has grown by 4.49%.
The Revenue has been growing slightly by 1.78% on average over the past years.
EPS 1Y (TTM)13.24%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%5.38%
Revenue 1Y (TTM)4.49%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%2.33%
3.2 Future
Based on estimates for the next years, TRVC will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.77% on average per year.
TRVC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.32% yearly.
EPS Next Y18.95%
EPS Next 2Y23.86%
EPS Next 3Y22.05%
EPS Next 5Y8.77%
Revenue Next Year3.64%
Revenue Next 2Y3.42%
Revenue Next 3Y3.32%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.56, TRVC is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of TRVC indicates a rather expensive valuation: TRVC more expensive than 84.62% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.48, TRVC is valued a bit cheaper.
With a Price/Forward Earnings ratio of 9.65, the valuation of TRVC can be described as very reasonable.
Based on the Price/Forward Earnings ratio, TRVC is valued a bit cheaper than the industry average as 63.74% of the companies are valued more expensively.
TRVC is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.52, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.56 | ||
| Fwd PE | 9.65 |
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 TRVC's earnings are expected to grow with 22.05% in the coming years.
PEG (NY)0.77
PEG (5Y)N/A
EPS Next 2Y23.86%
EPS Next 3Y22.05%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.57%, TRVC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.19, TRVC's dividend is way lower than its industry peers. On top of this 86.81% of the companies listed in the same industry pay a better dividend than TRVC!
Compared to an average S&P500 Dividend Yield of 2.34, TRVC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.57% |
5.2 History
The dividend of TRVC has a limited annual growth rate of 2.51%.
Dividend Growth(5Y)2.51%
Div Incr Years2
Div Non Decr Years5
5.3 Sustainability
TRVC pays out 43.01% of its income as dividend. This is a bit on the high side, but may be sustainable.
TRVC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP43.01%
EPS Next 2Y23.86%
EPS Next 3Y22.05%
FRA:TRVC (7/17/2025, 7:00:00 PM)
79.51
+3.88 (+5.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.47%
Inst Owner ChangeN/A
Ins Owners0.27%
Ins Owner ChangeN/A
Market Cap148.50B
Analysts80.71
Price Target75.76 (-4.72%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.57% |
Yearly Dividend2.35
Dividend Growth(5Y)2.51%
DP43.01%
Div Incr Years2
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.79%
Min EPS beat(2)3.89%
Max EPS beat(2)7.7%
EPS beat(4)4
Avg EPS beat(4)7.89%
Min EPS beat(4)3.89%
Max EPS beat(4)12.78%
EPS beat(8)8
Avg EPS beat(8)13.57%
EPS beat(12)11
Avg EPS beat(12)12.45%
EPS beat(16)15
Avg EPS beat(16)16.17%
Revenue beat(2)0
Avg Revenue beat(2)-1.02%
Min Revenue beat(2)-1.5%
Max Revenue beat(2)-0.53%
Revenue beat(4)1
Avg Revenue beat(4)-0.82%
Min Revenue beat(4)-1.62%
Max Revenue beat(4)0.39%
Revenue beat(8)3
Avg Revenue beat(8)-1.2%
Revenue beat(12)5
Avg Revenue beat(12)-0.05%
Revenue beat(16)8
Avg Revenue beat(16)0.29%
PT rev (1m)0.07%
PT rev (3m)-9.47%
EPS NQ rev (1m)-5.18%
EPS NQ rev (3m)-8.2%
EPS NY rev (1m)-0.18%
EPS NY rev (3m)-2.34%
Revenue NQ rev (1m)0.84%
Revenue NQ rev (3m)0.81%
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)0.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.56 | ||
| Fwd PE | 9.65 | ||
| P/S | 2.11 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.81 | ||
| P/tB | 0.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.46
EY6.87%
EPS(NY)8.24
Fwd EY10.36%
FCF(TTM)-34.13
FCFYN/A
OCF(TTM)-31.17
OCFYN/A
SpS37.67
BVpS98.02
TBVpS87.01
PEG (NY)0.77
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 5.73% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 14.9% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.46%
ROA(5y)0.54%
ROE(3y)5.37%
ROE(5y)6.27%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-21.21%
PM growth 5Y-10.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.53 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 150.79% | ||
| Cap/Sales | 7.85% | ||
| 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
WACC11.94%
ROIC/WACCN/A
Cap/Depr(3y)142.43%
Cap/Depr(5y)123.75%
Cap/Sales(3y)7.96%
Cap/Sales(5y)6.83%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.24%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%5.38%
EPS Next Y18.95%
EPS Next 2Y23.86%
EPS Next 3Y22.05%
EPS Next 5Y8.77%
Revenue 1Y (TTM)4.49%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%2.33%
Revenue Next Year3.64%
Revenue Next 2Y3.42%
Revenue Next 3Y3.32%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-3252.49%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1863.14%
OCF growth 3YN/A
OCF growth 5YN/A