CITIGROUP INC (TRVC.DE) Stock Fundamental Analysis
FRA:TRVC • US1729674242
94.18 EUR
-0.19 (-0.2%)
Last: Mar 3, 2026, 05:12 PM
TRVC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 106 industry peers in the Banks industry. TRVC may be in some trouble as it scores bad on both profitability and health. TRVC has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year TRVC was profitable.
- TRVC had a negative operating cash flow in the past year.
- 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 (0.51%) than 68.87% of its industry peers.
- The Return On Equity of TRVC (6.31%) is worse than 68.87% 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
- The Profit Margin of TRVC (15.82%) is worse than 79.25% of its industry peers.
- In the last couple of years the Profit Margin of TRVC has grown nicely.
- 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) | 15.82% | ||
| 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
- 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.
- The number of shares outstanding for TRVC has been reduced compared to 5 years ago.
- Compared to 1 year ago, TRVC has a worse debt to assets ratio.
2.2 Solvency
- A Debt/Equity ratio of 3.33 is on the high side and indicates that TRVC has dependencies on debt financing.
- TRVC's Debt to Equity ratio of 3.33 is on the low side compared to the rest of the industry. TRVC is outperformed by 78.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.33 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.95%
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 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.
- The Revenue has been growing slightly by 5.43% in the past year.
- The Revenue has been growing slightly by 2.45% on average over the past years.
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%7.47%
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 11.11% yearly.
- The Revenue is expected to grow by 4.04% on average over the next years.
EPS Next Y32.07%
EPS Next 2Y24.83%
EPS Next 3Y21.52%
EPS Next 5Y11.11%
Revenue Next Year4.93%
Revenue Next 2Y4.37%
Revenue Next 3Y3.74%
Revenue Next 5Y4.04%
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- 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 13.83.
- 83.96% of the companies in the same industry are cheaper than TRVC, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 27.13. TRVC is valued slightly cheaper when compared to this.
- Based on the Price/Forward Earnings ratio of 10.47, 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 (28.11), we can say TRVC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.83 | ||
| Fwd PE | 10.47 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- TRVC's 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 21.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.43
PEG (5Y)1.54
EPS Next 2Y24.83%
EPS Next 3Y21.52%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.07%, TRVC has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 4.33, TRVC's dividend is way lower than its industry peers. On top of this 89.62% of the companies listed in the same industry pay a better dividend than TRVC!
- Compared to an average S&P500 Dividend Yield of 1.82, TRVC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
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 39.71% of its income as dividend. This is a sustainable payout ratio.
- TRVC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP39.71%
EPS Next 2Y24.83%
EPS Next 3Y21.52%
FRA:TRVC (3/3/2026, 5:12:42 PM)
94.18
-0.19 (-0.2%)
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 Owners80.45%
Inst Owner ChangeN/A
Ins Owners0.3%
Ins Owner ChangeN/A
Market Cap168.52B
Revenue(TTM)85.22B
Net Income(TTM)13.44B
Analysts81.33
Price Target113.88 (20.92%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
Yearly Dividend2.33
Dividend Growth(5Y)2.51%
DP39.71%
Div Incr Years2
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.86%
Min EPS beat(2)15.58%
Max EPS beat(2)20.15%
EPS beat(4)4
Avg EPS beat(4)11.83%
Min EPS beat(4)3.89%
Max EPS beat(4)20.15%
EPS beat(8)8
Avg EPS beat(8)14.66%
EPS beat(12)11
Avg EPS beat(12)12.3%
EPS beat(16)15
Avg EPS beat(16)14.71%
Revenue beat(2)2
Avg Revenue beat(2)1.99%
Min Revenue beat(2)1.27%
Max Revenue beat(2)2.7%
Revenue beat(4)2
Avg Revenue beat(4)0.48%
Min Revenue beat(4)-1.5%
Max Revenue beat(4)2.7%
Revenue beat(8)4
Avg Revenue beat(8)-0.83%
Revenue beat(12)6
Avg Revenue beat(12)-0.15%
Revenue beat(16)8
Avg Revenue beat(16)0.41%
PT rev (1m)1.85%
PT rev (3m)13.73%
EPS NQ rev (1m)-5.77%
EPS NQ rev (3m)-7.81%
EPS NY rev (1m)0.42%
EPS NY rev (3m)2.65%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)0.06%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)1.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.83 | ||
| Fwd PE | 10.47 | ||
| P/S | 2.32 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.93 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.81
EY7.23%
EPS(NY)9
Fwd EY9.55%
FCF(TTM)-36.29
FCFYN/A
OCF(TTM)-33.15
OCFYN/A
SpS40.58
BVpS101.77
TBVpS90.57
PEG (NY)0.43
PEG (5Y)1.54
Graham Number124.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 6.31% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 15.82% | ||
| 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-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.33 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 153.35% | ||
| Cap/Sales | 7.74% | ||
| 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
WACC11.95%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y32.07%
EPS Next 2Y24.83%
EPS Next 3Y21.52%
EPS Next 5Y11.11%
Revenue 1Y (TTM)5.43%
Revenue growth 3Y4.2%
Revenue growth 5Y2.45%
Sales Q2Q%7.47%
Revenue Next Year4.93%
Revenue Next 2Y4.37%
Revenue Next 3Y3.74%
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-36.37%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-41.24%
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.
Can you provide the valuation status for CITIGROUP INC?
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 2 / 10.
What is the expected EPS growth for CITIGROUP INC (TRVC.DE) stock?
The Earnings per Share (EPS) of CITIGROUP INC (TRVC.DE) is expected to grow by 32.07% in the next year.
Is the dividend of CITIGROUP INC sustainable?
The dividend rating of CITIGROUP INC (TRVC.DE) is 4 / 10 and the dividend payout ratio is 39.71%.