CITIGROUP INC (TRVC.DE) Fundamental Analysis & Valuation

FRA:TRVC • US1729674242

Current stock price

112.08 EUR
+2.04 (+1.85%)
Last:

This TRVC.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. TRVC.DE Profitability Analysis

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.
TRVC.DE Yearly Net Income VS EBIT VS OCF VS FCFTRVC.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B -40B -60B

1.2 Ratios

  • The Return On Assets of TRVC (0.49%) is worse than 73.64% of its industry peers.
  • TRVC has a Return On Equity of 6.13%. This is in the lower half of the industry: TRVC underperforms 71.82% of its industry peers.
Industry RankSector Rank
ROA 0.49%
ROE 6.13%
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
TRVC.DE Yearly ROA, ROE, ROICTRVC.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

1.3 Margins

  • TRVC's Profit Margin of 15.28% is on the low side compared to the rest of the industry. TRVC is outperformed by 80.91% of its industry peers.
  • TRVC's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for TRVC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 15.28%
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
TRVC.DE Yearly Profit, Operating, Gross MarginsTRVC.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

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1

2. TRVC.DE Health Analysis

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.
  • Compared to 5 years ago, TRVC has less shares outstanding
  • TRVC has a worse debt/assets ratio than last year.
TRVC.DE Yearly Shares OutstandingTRVC.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B
TRVC.DE Yearly Total Debt VS Total AssetsTRVC.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T 2T 2.5T

2.2 Solvency

  • TRVC has a Debt/Equity ratio of 3.33. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of TRVC (3.33) is worse than 80.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.33
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.71%
TRVC.DE Yearly LT Debt VS Equity VS FCFTRVC.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100B 200B 300B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TRVC.DE Yearly Current Assets VS Current LiabilitesTRVC.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B 400B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. TRVC.DE Growth Analysis

3.1 Past

  • TRVC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 43.29%, which is quite impressive.
  • The Earnings Per Share has been growing by 9.00% on average over the past years. This is quite good.
  • TRVC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.56%.
  • TRVC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.45% yearly.
EPS 1Y (TTM)43.29%
EPS 3Y3.4%
EPS 5Y9%
EPS Q2Q%56.12%
Revenue 1Y (TTM)8.56%
Revenue growth 3Y4.2%
Revenue growth 5Y2.45%
Sales Q2Q%14.06%

3.2 Future

  • The Earnings Per Share is expected to grow by 11.11% on average over the next years. This is quite good.
  • TRVC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.04% yearly.
EPS Next Y31.58%
EPS Next 2Y25.17%
EPS Next 3Y22.77%
EPS Next 5Y11.11%
Revenue Next Year7%
Revenue Next 2Y5.31%
Revenue Next 3Y5.04%
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.
  • 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.
TRVC.DE Yearly Revenue VS EstimatesTRVC.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B 80B 100B
TRVC.DE Yearly EPS VS EstimatesTRVC.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 5 10

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4

4. TRVC.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 14.57, TRVC is valued correctly.
  • 87.27% of the companies in the same industry are cheaper than TRVC, based on the Price/Earnings ratio.
  • TRVC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.87.
  • With a Price/Forward Earnings ratio of 10.59, 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 66.36% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 38.51. TRVC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.57
Fwd PE 10.59
TRVC.DE Price Earnings VS Forward Price EarningsTRVC.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TRVC.DE Per share dataTRVC.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 100

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 22.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.46
PEG (5Y)1.62
EPS Next 2Y25.17%
EPS Next 3Y22.77%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. TRVC.DE Dividend Analysis

5.1 Amount

  • TRVC has a Yearly Dividend Yield of 1.86%.
  • With a Dividend Yield of 1.86, TRVC pays less dividend than the industry average, which is at 4.50. 92.73% of the companies listed in the same industry pay a better dividend than TRVC!
  • TRVC's Dividend Yield is comparable with the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.86%

5.2 History

  • The dividend of TRVC has a limited annual growth rate of 3.05%.
Dividend Growth(5Y)3.05%
Div Incr Years3
Div Non Decr Years6
TRVC.DE Yearly Dividends per shareTRVC.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • TRVC pays out 41.26% 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.
DP41.26%
EPS Next 2Y25.17%
EPS Next 3Y22.77%
TRVC.DE Yearly Income VS Free CF VS DividendTRVC.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B -40B -60B
TRVC.DE Dividend Payout.TRVC.DE Dividend Payout, showing the Payout Ratio.TRVC.DE Dividend Payout.PayoutRetained Earnings

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TRVC.DE Fundamentals: All Metrics, Ratios and Statistics

CITIGROUP INC

FRA:TRVC (4/17/2026, 7:00:00 PM)

112.08

+2.04 (+1.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-14
Earnings (Next)07-14
Inst Owners81.11%
Inst Owner ChangeN/A
Ins Owners0.29%
Ins Owner ChangeN/A
Market Cap192.21B
Revenue(TTM)88.26B
Net Income(TTM)13.02B
Analysts81.94
Price Target111.46 (-0.55%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.86%
Yearly Dividend2.51
Dividend Growth(5Y)3.05%
DP41.26%
Div Incr Years3
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.77%
Min EPS beat(2)5.96%
Max EPS beat(2)15.58%
EPS beat(4)4
Avg EPS beat(4)11.39%
Min EPS beat(4)3.89%
Max EPS beat(4)20.15%
EPS beat(8)8
Avg EPS beat(8)15.16%
EPS beat(12)12
Avg EPS beat(12)13.27%
EPS beat(16)15
Avg EPS beat(16)14.84%
Revenue beat(2)1
Avg Revenue beat(2)0.65%
Min Revenue beat(2)-1.41%
Max Revenue beat(2)2.7%
Revenue beat(4)2
Avg Revenue beat(4)0.51%
Min Revenue beat(4)-1.41%
Max Revenue beat(4)2.7%
Revenue beat(8)4
Avg Revenue beat(8)0.09%
Revenue beat(12)6
Avg Revenue beat(12)-0.15%
Revenue beat(16)8
Avg Revenue beat(16)0.35%
PT rev (1m)-2.13%
PT rev (3m)-0.32%
EPS NQ rev (1m)1.84%
EPS NQ rev (3m)3.48%
EPS NY rev (1m)-0.5%
EPS NY rev (3m)2.55%
Revenue NQ rev (1m)2.3%
Revenue NQ rev (3m)4.14%
Revenue NY rev (1m)1.93%
Revenue NY rev (3m)3.61%
Valuation
Industry RankSector Rank
PE 14.57
Fwd PE 10.59
P/S 2.66
P/FCF N/A
P/OCF N/A
P/B 1.07
P/tB 1.2
EV/EBITDA N/A
EPS(TTM)7.69
EY6.86%
EPS(NY)10.59
Fwd EY9.44%
FCF(TTM)-36.65
FCFYN/A
OCF(TTM)-33.43
OCFYN/A
SpS42.13
BVpS104.93
TBVpS93.38
PEG (NY)0.46
PEG (5Y)1.62
Graham Number134.745 (20.22%)
Profitability
Industry RankSector Rank
ROA 0.49%
ROE 6.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.28%
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 RankSector Rank
Debt/Equity 3.33
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 149.1%
Cap/Sales 7.65%
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
WACC10.71%
ROIC/WACCN/A
Cap/Depr(3y)148.08%
Cap/Depr(5y)136.06%
Cap/Sales(3y)8.05%
Cap/Sales(5y)7.47%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)43.29%
EPS 3Y3.4%
EPS 5Y9%
EPS Q2Q%56.12%
EPS Next Y31.58%
EPS Next 2Y25.17%
EPS Next 3Y22.77%
EPS Next 5Y11.11%
Revenue 1Y (TTM)8.56%
Revenue growth 3Y4.2%
Revenue growth 5Y2.45%
Sales Q2Q%14.06%
Revenue Next Year7%
Revenue Next 2Y5.31%
Revenue Next 3Y5.04%
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-183.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-243.85%
OCF growth 3YN/A
OCF growth 5YN/A

CITIGROUP INC / TRVC.DE Fundamental Analysis 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.


Can you provide the profitability details for CITIGROUP INC?

CITIGROUP INC (TRVC.DE) has a profitability rating of 2 / 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 14.57 and the Price/Book (PB) ratio is 1.07.


How financially healthy is CITIGROUP INC?

The financial health rating of CITIGROUP INC (TRVC.DE) is 1 / 10.