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CITIGROUP INC (TRVC.DE) Stock Fundamental Analysis

FRA:TRVC - US1729674242 - Common Stock

81.02 EUR
-0.07 (-0.09%)
Last: 9/8/2025, 9:09:49 AM
Fundamental Rating

3

Overall TRVC gets a fundamental rating of 3 out of 10. We evaluated TRVC against 89 industry peers in the Banks industry. Both the profitability and financial health of TRVC have multiple concerns. TRVC has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year TRVC was profitable.
TRVC had a negative operating cash flow in the past year.
Each year in the past 5 years TRVC has been profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B -60B

1.2 Ratios

TRVC's Return On Assets of 0.49% is on the low side compared to the rest of the industry. TRVC is outperformed by 62.92% of its industry peers.
TRVC has a worse Return On Equity (6.05%) than 65.17% of its industry peers.
Industry RankSector 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
TRVC.DE Yearly ROA, ROE, ROICTRVC.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

TRVC's Profit Margin of 15.52% is on the low side compared to the rest of the industry. TRVC is outperformed by 70.79% 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 RankSector 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
TRVC.DE Yearly Profit, Operating, Gross MarginsTRVC.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

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1

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
TRVC has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, TRVC has a worse debt to assets ratio.
TRVC.DE Yearly Shares OutstandingTRVC.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T 2T

2.2 Solvency

A Debt/Equity ratio of 3.38 is on the high side and indicates that TRVC has dependencies on debt financing.
TRVC has a worse Debt to Equity ratio (3.38) than 73.03% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.38
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.88%
TRVC.DE Yearly LT Debt VS Equity VS FCFTRVC.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100B 200B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B

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5

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.
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)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.
Based on estimates for the next years, TRVC will show a small growth in Revenue. The Revenue will grow by 3.50% on average per year.
EPS Next Y23.66%
EPS Next 2Y26.51%
EPS Next 3Y23.43%
EPS Next 5Y11.49%
Revenue Next Year4.55%
Revenue Next 2Y3.71%
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.
TRVC.DE Yearly Revenue VS EstimatesTRVC.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20B 40B 60B 80B
TRVC.DE Yearly EPS VS EstimatesTRVC.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6 8 10

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.99 indicates a correct valuation of TRVC.
Based on the Price/Earnings ratio, TRVC is valued more expensive than 83.15% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.06. TRVC is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 9.50, the valuation of TRVC can be described as very reasonable.
TRVC's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of TRVC to the average of the S&P500 Index (22.69), we can say TRVC is valued rather cheaply.
Industry RankSector Rank
PE 13.99
Fwd PE 9.5
TRVC.DE Price Earnings VS Forward Price EarningsTRVC.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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

4.3 Compensation for Growth

The 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 23.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.59
PEG (5Y)N/A
EPS Next 2Y26.51%
EPS Next 3Y23.43%

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4

5. Dividend

5.1 Amount

TRVC has a Yearly Dividend Yield of 2.47%.
With a Dividend Yield of 2.47, TRVC pays less dividend than the industry average, which is at 5.09. 86.52% 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 2.45.
Industry RankSector Rank
Dividend Yield 2.47%

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
TRVC.DE Yearly Dividends per shareTRVC.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

41.13% of the earnings are spent on dividend by TRVC. 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 2Y26.51%
EPS Next 3Y23.43%
TRVC.DE Yearly Income VS Free CF VS DividendTRVC.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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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CITIGROUP INC

FRA:TRVC (9/8/2025, 9:09:49 AM)

81.02

-0.07 (-0.09%)

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 Owners80.65%
Inst Owner ChangeN/A
Ins Owners0.27%
Ins Owner ChangeN/A
Market Cap149.15B
Analysts80.71
Price Target87.47 (7.96%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.47%
Yearly Dividend2.35
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)1.41%
PT rev (3m)15.54%
EPS NQ rev (1m)0.03%
EPS NQ rev (3m)-1.53%
EPS NY rev (1m)3.96%
EPS NY rev (3m)3.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.63%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)1.09%
Valuation
Industry RankSector Rank
PE 13.99
Fwd PE 9.5
P/S 2.1
P/FCF N/A
P/OCF N/A
P/B 0.82
P/tB 0.92
EV/EBITDA N/A
EPS(TTM)5.79
EY7.15%
EPS(NY)8.52
Fwd EY10.52%
FCF(TTM)-43.51
FCFYN/A
OCF(TTM)-40.48
OCFYN/A
SpS38.62
BVpS99.02
TBVpS87.74
PEG (NY)0.59
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC11.88%
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)17.94%
EPS 3Y-14.19%
EPS 5Y-4.49%
EPS Q2Q%28.95%
EPS Next Y23.66%
EPS Next 2Y26.51%
EPS Next 3Y23.43%
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 2Y3.71%
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