CITIGROUP INC (TRVC.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:TRVC - US1729674242 - Common Stock
96.01 EUR
+0.57 (+0.6%)
Overall TRVC gets a fundamental rating of 3 out of 10. We evaluated TRVC against 114 industry peers in the Banks industry. TRVC has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
- 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 67.54% of its industry peers.
- 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)0.43%
ROA(5y)0.56%
ROE(3y)5.15%
ROE(5y)6.51%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- TRVC's Profit Margin of 15.82% is on the low side compared to the rest of the industry. TRVC is outperformed by 79.82% of its industry peers.
- In the last couple of years the Profit Margin of TRVC has grown nicely.
- 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-5.64%
PM growth 5Y3.15%
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.
- 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 3.33 is on the high side and indicates that TRVC has dependencies on debt financing.
- TRVC has a Debt to Equity ratio of 3.33. This is in the lower half of the industry: TRVC underperforms 77.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.33 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.02%
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 27.93% over the past year.
- TRVC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.00% yearly.
- TRVC shows a small growth in Revenue. In the last year, the Revenue has grown by 5.43%.
- TRVC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.45% yearly.
EPS 1Y (TTM)27.93%
EPS 3Y3.4%
EPS 5Y9%
EPS Q2Q%35.07%
Revenue 1Y (TTM)5.43%
Revenue growth 3Y4.2%
Revenue growth 5Y2.45%
Sales Q2Q%7.47%
3.2 Future
- Based on estimates for the next years, TRVC will show a small growth in Earnings Per Share. The EPS will grow by 6.92% on average per year.
- The Revenue is expected to grow by 1.75% on average over the next years.
EPS Next Y31.51%
EPS Next 2Y24.61%
EPS Next 3Y21.54%
EPS Next 5Y6.92%
Revenue Next Year4.84%
Revenue Next 2Y4.23%
Revenue Next 3Y3.86%
Revenue Next 5Y1.75%
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 decreasing.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 14.37 indicates a correct valuation of TRVC.
- TRVC's Price/Earnings ratio is rather expensive when compared to the industry. TRVC is more expensive than 84.21% of the companies in the same industry.
- TRVC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.60.
- With a Price/Forward Earnings ratio of 10.93, the valuation of TRVC can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of TRVC is on the same level as its industry peers.
- When comparing the Price/Forward Earnings ratio of TRVC to the average of the S&P500 Index (25.83), we can say TRVC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.37 | ||
| Fwd PE | 10.93 |
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 21.54% in the coming years.
PEG (NY)0.46
PEG (5Y)1.6
EPS Next 2Y24.61%
EPS Next 3Y21.54%
5. Dividend
5.1 Amount
- TRVC has a Yearly Dividend Yield of 2.08%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 3.93, TRVC's dividend is way lower than its industry peers. On top of this 80.70% of the companies listed in the same industry pay a better dividend than TRVC!
- Compared to an average S&P500 Dividend Yield of 1.82, TRVC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
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 2Y24.61%
EPS Next 3Y21.54%
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.
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.
How profitable is CITIGROUP INC (TRVC.DE) stock?
CITIGROUP INC (TRVC.DE) has a profitability rating of 2 / 10.
What is the expected EPS growth for CITIGROUP INC (TRVC.DE) stock?
The Earnings per Share (EPS) of CITIGROUP INC (TRVC.DE) is expected to grow by 31.51% in the next year.
Is the dividend of CITIGROUP INC sustainable?
The dividend rating of CITIGROUP INC (TRVC.DE) is 4 / 10 and the dividend payout ratio is 39.71%.