CITIGROUP INC (TRVC.DE) Stock Fundamental Analysis
Europe - FRA:TRVC - US1729674242 - Common Stock
84.92 EUR
+1.47 (+1.76%)
We assign a fundamental rating of 3 out of 10 to TRVC. TRVC was compared to 99 industry peers in the Banks industry. Both the profitability and financial health of TRVC have multiple concerns. TRVC has a correct valuation and a medium growth rate.
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.
In the past 5 years TRVC has always been profitable.
In multiple years TRVC reported negative operating cash flow during the last 5 years.
1.2 Ratios
TRVC has a worse Return On Assets (0.49%) than 63.64% of its industry peers.
TRVC has a Return On Equity of 6.05%. This is in the lower half of the industry: TRVC underperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.49% | ||
| ROE | 6.05% | ||
| 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 (15.52%) is worse than 73.74% of its industry peers.
TRVC's Profit Margin has declined in the last couple of years.
TRVC 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) | 15.52% | ||
| 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.
TRVC has less shares outstanding than it did 1 year ago.
The number of shares outstanding for TRVC has been reduced compared to 5 years ago.
TRVC has a worse debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 3.31 is on the high side and indicates that TRVC has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 3.31, TRVC is doing worse than 73.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.87%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TRVC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.89%, which is quite impressive.
TRVC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.49% yearly.
The Revenue has been growing slightly by 7.78% 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)30.89%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%48.34%
Revenue 1Y (TTM)7.78%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%8.74%
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 11.49% on average per year.
Based on estimates for the next years, TRVC will show a small growth in Revenue. The Revenue will grow by 2.48% on average per year.
EPS Next Y23.95%
EPS Next 2Y26.61%
EPS Next 3Y23.76%
EPS Next 5Y11.49%
Revenue Next Year4.67%
Revenue Next 2Y3.83%
Revenue Next 3Y3.64%
Revenue Next 5Y2.48%
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. Valuation
4.1 Price/Earnings Ratio
TRVC is valuated correctly with a Price/Earnings ratio of 13.13.
Based on the Price/Earnings ratio, TRVC is valued a bit more expensive than the industry average as 72.73% of the companies are valued more cheaply.
TRVC is valuated cheaply when we compare the Price/Earnings ratio to 26.83, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.86, the valuation of TRVC can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as TRVC.
When comparing the Price/Forward Earnings ratio of TRVC to the average of the S&P500 Index (22.82), we can say TRVC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.13 | ||
| Fwd PE | 9.86 |
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 23.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.55
PEG (5Y)N/A
EPS Next 2Y26.61%
EPS Next 3Y23.76%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.49%, TRVC has a reasonable but not impressive dividend return.
TRVC's Dividend Yield is slightly below the industry average, which is at 4.86.
TRVC's Dividend Yield is comparable with the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.49% |
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 41.13% 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.
DP41.13%
EPS Next 2Y26.61%
EPS Next 3Y23.76%
FRA:TRVC (10/24/2025, 4:44:07 PM)
84.92
+1.47 (+1.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.75%
Inst Owner ChangeN/A
Ins Owners0.27%
Ins Owner ChangeN/A
Market Cap156.33B
Revenue(TTM)84.93B
Net Income(TTM)12.90B
Analysts80
Price Target91.72 (8.01%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.49% |
Yearly Dividend2.35
Dividend Growth(5Y)2.51%
DP41.13%
Div Incr Years2
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.02%
Min EPS beat(2)3.89%
Max EPS beat(2)20.15%
EPS beat(4)4
Avg EPS beat(4)11.13%
Min EPS beat(4)3.89%
Max EPS beat(4)20.15%
EPS beat(8)8
Avg EPS beat(8)15.64%
EPS beat(12)11
Avg EPS beat(12)11.29%
EPS beat(16)15
Avg EPS beat(16)15.47%
Revenue beat(2)1
Avg Revenue beat(2)0.37%
Min Revenue beat(2)-0.53%
Max Revenue beat(2)1.27%
Revenue beat(4)2
Avg Revenue beat(4)-0.09%
Min Revenue beat(4)-1.5%
Max Revenue beat(4)1.27%
Revenue beat(8)4
Avg Revenue beat(8)-0.89%
Revenue beat(12)5
Avg Revenue beat(12)-0.42%
Revenue beat(16)8
Avg Revenue beat(16)0.29%
PT rev (1m)1.83%
PT rev (3m)6.33%
EPS NQ rev (1m)0.36%
EPS NQ rev (3m)3.56%
EPS NY rev (1m)0.24%
EPS NY rev (3m)4.2%
Revenue NQ rev (1m)0.79%
Revenue NQ rev (3m)1.29%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.13 | ||
| Fwd PE | 9.86 | ||
| P/S | 2.18 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.85 | ||
| P/tB | 0.96 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.47
EY7.62%
EPS(NY)8.61
Fwd EY10.14%
FCF(TTM)-43.9
FCFYN/A
OCF(TTM)-40.84
OCFYN/A
SpS38.96
BVpS99.91
TBVpS88.53
PEG (NY)0.55
PEG (5Y)N/A
Graham Number120.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.49% | ||
| ROE | 6.05% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 15.52% | ||
| 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
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-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 | 3.31 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 153.54% | ||
| Cap/Sales | 7.84% | ||
| 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
WACC11.87%
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)30.89%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%48.34%
EPS Next Y23.95%
EPS Next 2Y26.61%
EPS Next 3Y23.76%
EPS Next 5Y11.49%
Revenue 1Y (TTM)7.78%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%8.74%
Revenue Next Year4.67%
Revenue Next 2Y3.83%
Revenue Next 3Y3.64%
Revenue Next 5Y2.48%
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-17.09%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-18.24%
OCF growth 3YN/A
OCF growth 5YN/A
CITIGROUP INC / TRVC.DE FAQ
What is the ChartMill fundamental rating of CITIGROUP INC (TRVC.DE) stock?
ChartMill assigns a fundamental rating of 3 / 10 to TRVC.DE.
What is the valuation status for TRVC stock?
ChartMill assigns a valuation rating of 4 / 10 to CITIGROUP INC (TRVC.DE). This can be considered as Fairly Valued.
How profitable is CITIGROUP INC (TRVC.DE) stock?
CITIGROUP INC (TRVC.DE) has a profitability rating of 1 / 10.
What is the valuation of CITIGROUP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for CITIGROUP INC (TRVC.DE) is 13.13 and the Price/Book (PB) ratio is 0.85.
Can you provide the dividend sustainability for TRVC stock?
The dividend rating of CITIGROUP INC (TRVC.DE) is 4 / 10 and the dividend payout ratio is 41.13%.