CITIGROUP INC (TRVC.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:TRVC - US1729674242 - Common Stock
84.75 EUR
-2.63 (-3.01%)
We assign a fundamental rating of 3 out of 10 to TRVC. TRVC was compared to 108 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.
TRVC had positive earnings in each of the past 5 years.
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
TRVC has a Return On Assets of 0.51%. This is in the lower half of the industry: TRVC underperforms 65.09% of its industry peers.
TRVC's Return On Equity of 6.31% is on the low side compared to the rest of the industry. TRVC is outperformed by 69.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 6.31% | ||
| 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 has a worse Profit Margin (15.82%) than 74.53% 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) | 15.82% | ||
| 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.
Compared to 1 year ago, TRVC has less shares outstanding
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 3.38 is on the high side and indicates that TRVC has dependencies on debt financing.
With a Debt to Equity ratio value of 3.38, TRVC is not doing good in the industry: 73.58% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.38 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.88%
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 30.89% 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 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
TRVC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.49% yearly.
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 Y24.6%
EPS Next 2Y28.29%
EPS Next 3Y25.41%
EPS Next 5Y11.49%
Revenue Next Year6.66%
Revenue Next 2Y4.89%
Revenue Next 3Y4.39%
Revenue Next 5Y2.48%
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
With a Price/Earnings ratio of 13.02, TRVC is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of TRVC indicates a slightly more expensive valuation: TRVC is more expensive than 79.25% of the companies listed in the same industry.
TRVC is valuated rather cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
TRVC is valuated reasonably with a Price/Forward Earnings ratio of 9.52.
69.81% of the companies in the same industry are more expensive than TRVC, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.42, TRVC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.02 | ||
| Fwd PE | 9.52 |
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.
A more expensive valuation may be justified as TRVC's earnings are expected to grow with 25.41% in the coming years.
PEG (NY)0.53
PEG (5Y)N/A
EPS Next 2Y28.29%
EPS Next 3Y25.41%
5. Dividend
5.1 Amount
TRVC has a Yearly Dividend Yield of 2.46%.
Compared to an average industry Dividend Yield of 4.85, TRVC is paying slightly less dividend.
TRVC's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
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.
The dividend of TRVC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP39.71%
EPS Next 2Y28.29%
EPS Next 3Y25.41%
FRA:TRVC (11/21/2025, 7:00:00 PM)
84.75
-2.63 (-3.01%)
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 Cap151.64B
Revenue(TTM)84.93B
Net Income(TTM)13.44B
Analysts80.69
Price Target100.13 (18.15%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
Yearly Dividend2.39
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)9.18%
PT rev (3m)14.47%
EPS NQ rev (1m)-0.1%
EPS NQ rev (3m)0.94%
EPS NY rev (1m)0.06%
EPS NY rev (3m)0.76%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)2.57%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)2.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.02 | ||
| Fwd PE | 9.52 | ||
| P/S | 2.06 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.82 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.51
EY7.68%
EPS(NY)8.9
Fwd EY10.5%
FCF(TTM)-36.85
FCFYN/A
OCF(TTM)-33.66
OCFYN/A
SpS41.2
BVpS103.35
TBVpS91.97
PEG (NY)0.53
PEG (5Y)N/A
Graham Number123.04
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)0.46%
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 | 3.38 | ||
| 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-Score4
WACC11.88%
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 Y24.6%
EPS Next 2Y28.29%
EPS Next 3Y25.41%
EPS Next 5Y11.49%
Revenue 1Y (TTM)7.78%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%8.74%
Revenue Next Year6.66%
Revenue Next 2Y4.89%
Revenue Next 3Y4.39%
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-21.12%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-24.05%
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 13.02 and the Price/Book (PB) ratio is 0.82.
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 39.71%.