TRVC Fundamental Analysis - CITIGROUP INC

Fundamental Rating

TRVC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 industry peers in the Banks industry. TRVC may be in some trouble as it scores bad on both profitability and health. TRVC has a decent growth rate and is not valued too expensively.

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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.

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

With a Return On Assets value of 0.49%, TRVC is not doing good in the industry: 65.98% of the companies in the same industry are doing better.

With a Return On Equity value of 6.05%, TRVC is not doing good in the industry: 67.01% of the companies in the same industry are doing better.

		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

With a Profit Margin value of 15.52%, TRVC is not doing good in the industry: 72.16% of the companies in the same industry are doing better.

In the last couple of years the Profit Margin of TRVC has declined.

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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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.

The Debt to Equity ratio of TRVC (3.38) is worse than 74.23% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.38
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC11.9%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

TRVC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.94%, which is quite good.

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 5.60% in the past year.

The Revenue has been growing slightly by 1.78% on average over the past years.

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 11.49% yearly.

TRVC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.50% yearly.

EPS Next Y23.95%

EPS Next 2Y26.61%

EPS Next 3Y23.76%

EPS Next 5Y11.49%

Revenue Next Year4.55%

Revenue Next 2Y3.74%

Revenue Next 3Y3.5%

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.51 indicates a correct valuation of TRVC.

Compared to the rest of the industry, the Price/Earnings ratio of TRVC indicates a rather expensive valuation: TRVC more expensive than 82.47% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of TRVC to the average of the S&P500 Index (27.86), we can say TRVC is valued slightly cheaper.

With a Price/Forward Earnings ratio of 9.84, the valuation of TRVC can be described as very reasonable.

TRVC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. TRVC is cheaper than 61.86% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 23.32. TRVC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	14.51
Fwd PE	9.84

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 23.76% in the coming years.

PEG (NY)0.61

PEG (5Y)N/A

EPS Next 2Y26.61%

EPS Next 3Y23.76%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.36%, TRVC has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 5.02, TRVC's dividend is way lower than its industry peers. On top of this 84.54% 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 2.41.

		Industry Rank	Sector Rank
Dividend Yield	2.36%

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.

The dividend of TRVC is growing, but earnings are growing more, so the dividend growth is sustainable.

DP41.13%

EPS Next 2Y26.61%

EPS Next 3Y23.76%

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CITIGROUP INC

FRA:TRVC (10/3/2025, 4:41:21 PM)

83.59

+0.69 (+0.83%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-15 2025-07-15/bmo

Earnings (Next)10-14 2025-10-14/bmo

Inst Owners79.75%

Inst Owner ChangeN/A

Ins Owners0.27%

Ins Owner ChangeN/A

Market Cap153.88B

Analysts80.71

Price Target90.07 (7.75%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.36%

Yearly Dividend2.36

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)2.96%

PT rev (3m)18.88%

EPS NQ rev (1m)1.17%

EPS NQ rev (3m)2.86%

EPS NY rev (1m)0.24%

EPS NY rev (3m)3.86%

Revenue NQ rev (1m)0.32%

Revenue NQ rev (3m)0.5%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.09%

Valuation

		Industry Rank	Sector Rank
PE	14.51
Fwd PE	9.84
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)5.76

EY6.89%

EPS(NY)8.5

Fwd EY10.16%

FCF(TTM)-43.3

FCFYN/A

OCF(TTM)-40.28

OCFYN/A

SpS38.43

BVpS98.54

TBVpS87.32

PEG (NY)0.61

PEG (5Y)N/A

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

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-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	3.38
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

WACC11.9%

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 Y23.95%

EPS Next 2Y26.61%

EPS Next 3Y23.76%

EPS Next 5Y11.49%

Revenue 1Y (TTM)5.6%

Revenue growth 3Y4.12%

Revenue growth 5Y1.78%

Sales Q2Q%7.59%

Revenue Next Year4.55%

Revenue Next 2Y3.74%

Revenue Next 3Y3.5%

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-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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens