CITIGROUP INC (TRVC.DE) Stock Fundamental Analysis
FRA:TRVC - Deutsche Boerse Ag - US1729674242 - Common Stock - Currency: EUR
Overall TRVC gets a fundamental rating of 3 out of 10. We evaluated TRVC against 92 industry peers in the Banks industry. TRVC has a bad profitability rating. Also its financial health evaluation is rather negative. TRVC has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
TRVC had positive earnings in the past year.
In the past year TRVC has reported a negative cash flow from operations.
Each year in the past 5 years TRVC has been profitable.
The reported operating cash flow has been mixed in the past 5 years: TRVC reported negative operating cash flow in multiple years.
1.2 Ratios
With a Return On Assets value of 0.47%, TRVC is not doing good in the industry: 66.30% of the companies in the same industry are doing better.
With a Return On Equity value of 5.73%, TRVC is not doing good in the industry: 68.48% of the companies in the same industry are doing better.
| 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
TRVC's Profit Margin of 14.90% is on the low side compared to the rest of the industry. TRVC is outperformed by 73.91% of its industry peers.
In the last couple of years the Profit Margin of TRVC has declined.
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
Compared to 1 year ago, TRVC has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 3.47 is on the high side and indicates that TRVC has dependencies on debt financing.
With a Debt to Equity ratio value of 3.47, TRVC is not doing good in the industry: 76.09% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.47 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.89%
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 17.94% over the past year.
The Earnings Per Share has been decreasing by -4.49% on average over the past years.
The Revenue has been growing slightly by 5.60% in the past year.
Measured over the past years, TRVC shows a small growth in Revenue. The Revenue has been growing by 1.78% on average per year.
EPS 1Y (TTM)17.94%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%28.95%
Revenue 1Y (TTM)5.6%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%7.59%
3.2 Future
TRVC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.77% yearly.
TRVC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.71% yearly.
EPS Next Y18.95%
EPS Next 2Y23.86%
EPS Next 3Y22.05%
EPS Next 5Y8.77%
Revenue Next Year4.53%
Revenue Next 2Y3.77%
Revenue Next 3Y3.71%
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.
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
TRVC is valuated correctly with a Price/Earnings ratio of 13.64.
80.43% of the companies in the same industry are cheaper than TRVC, based on the Price/Earnings ratio.
TRVC is valuated rather cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.66, which indicates a very decent valuation of TRVC.
TRVC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. TRVC is cheaper than 60.87% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of TRVC to the average of the S&P500 Index (34.09), we can say TRVC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.64 | ||
| Fwd PE | 9.66 |
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.
TRVC's earnings are expected to grow with 22.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.72
PEG (5Y)N/A
EPS Next 2Y23.86%
EPS Next 3Y22.05%
5. Dividend
5.1 Amount
TRVC has a Yearly Dividend Yield of 2.63%.
With a Dividend Yield of 2.63, TRVC pays less dividend than the industry average, which is at 4.93. 83.70% of the companies listed in the same industry pay a better dividend than TRVC!
Compared to an average S&P500 Dividend Yield of 2.40, TRVC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
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.
The dividend of TRVC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP43.01%
EPS Next 2Y23.86%
EPS Next 3Y22.05%
FRA:TRVC (8/8/2025, 7:00:00 PM)
79.25
+0.18 (+0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners80.65%
Inst Owner ChangeN/A
Ins Owners0.27%
Ins Owner ChangeN/A
Market Cap145.89B
Analysts80.71
Price Target90.6 (14.32%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
Yearly Dividend2.36
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)19.59%
PT rev (3m)19.05%
EPS NQ rev (1m)-0.15%
EPS NQ rev (3m)-5.44%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.11%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)0.92%
Revenue NY rev (1m)0.86%
Revenue NY rev (3m)1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.64 | ||
| Fwd PE | 9.66 | ||
| P/S | 2.08 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.8 | ||
| P/tB | 0.9 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.81
EY7.33%
EPS(NY)8.21
Fwd EY10.35%
FCF(TTM)-34.49
FCFYN/A
OCF(TTM)-31.5
OCFYN/A
SpS38.07
BVpS99.06
TBVpS87.93
PEG (NY)0.72
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-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.47 | ||
| 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-Score5
WACC11.89%
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)17.94%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%28.95%
EPS Next Y18.95%
EPS Next 2Y23.86%
EPS Next 3Y22.05%
EPS Next 5Y8.77%
Revenue 1Y (TTM)5.6%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%7.59%
Revenue Next Year4.53%
Revenue Next 2Y3.77%
Revenue Next 3Y3.71%
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