CITIGROUP INC (TRVC.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:TRVC - US1729674242 - Common Stock
101.82 EUR
+1.66 (+1.66%)
TRVC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. TRVC may be in some trouble as it scores bad on both profitability and health. TRVC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
TRVC had positive earnings in the past year.
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
With a Return On Assets value of 0.51%, TRVC is not doing good in the industry: 67.54% of the companies in the same industry are doing better.
TRVC has a worse Return On Equity (6.31%) than 70.18% 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
Looking at the Profit Margin, with a value of 15.82%, TRVC is doing worse than 74.56% of the companies in the same industry.
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) | 15.82% | ||
| 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.
The number of shares outstanding for TRVC has been reduced compared to 1 year ago.
TRVC has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, TRVC has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 3.38 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: 75.44% 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
WACC12.05%
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.
The Earnings Per Share has been decreasing by -4.49% on average over the past years.
Looking at the last year, TRVC shows a small growth in Revenue. The Revenue has grown by 7.78% in the last year.
The Revenue has been growing slightly by 1.78% on average over the past years.
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 12.18% on average per year.
TRVC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.68% yearly.
EPS Next Y24.46%
EPS Next 2Y27.84%
EPS Next 3Y24.74%
EPS Next 5Y12.18%
Revenue Next Year6.43%
Revenue Next 2Y4.71%
Revenue Next 3Y4.22%
Revenue Next 5Y2.68%
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.
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
The Price/Earnings ratio is 16.01, which 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 82.46% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of TRVC to the average of the S&P500 Index (26.59), we can say TRVC is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 11.79, the valuation of TRVC can be described as reasonable.
61.40% of the companies in the same industry are cheaper than TRVC, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.03, TRVC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.01 | ||
| Fwd PE | 11.79 |
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 24.74% in the coming years.
PEG (NY)0.65
PEG (5Y)N/A
EPS Next 2Y27.84%
EPS Next 3Y24.74%
5. Dividend
5.1 Amount
TRVC has a Yearly Dividend Yield of 2.13%.
Compared to an average industry Dividend Yield of 4.12, TRVC's dividend is way lower than its industry peers. On top of this 82.46% of the companies listed in the same industry pay a better dividend than TRVC!
Compared to an average S&P500 Dividend Yield of 1.88, TRVC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.13% |
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 2Y27.84%
EPS Next 3Y24.74%
FRA:TRVC (12/23/2025, 7:00:00 PM)
101.82
+1.66 (+1.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners80.47%
Inst Owner ChangeN/A
Ins Owners0.3%
Ins Owner ChangeN/A
Market Cap182.19B
Revenue(TTM)84.93B
Net Income(TTM)13.44B
Analysts80.69
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.13% |
Yearly Dividend2.35
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)2.96%
PT rev (3m)10.5%
EPS NQ rev (1m)-0.64%
EPS NQ rev (3m)0.44%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)0.65%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)2.53%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)1.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.01 | ||
| Fwd PE | 11.79 | ||
| P/S | 2.53 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.01 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.36
EY6.25%
EPS(NY)8.64
Fwd EY8.48%
FCF(TTM)-36.02
FCFYN/A
OCF(TTM)-32.9
OCFYN/A
SpS40.27
BVpS101
TBVpS89.88
PEG (NY)0.65
PEG (5Y)N/A
Graham Number120.22
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
WACC12.05%
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 Y24.46%
EPS Next 2Y27.84%
EPS Next 3Y24.74%
EPS Next 5Y12.18%
Revenue 1Y (TTM)7.78%
Revenue growth 3Y4.12%
Revenue growth 5Y1.78%
Sales Q2Q%8.74%
Revenue Next Year6.43%
Revenue Next 2Y4.71%
Revenue Next 3Y4.22%
Revenue Next 5Y2.68%
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 16.01 and the Price/Book (PB) ratio is 1.01.
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%.