(C) Citigroup - Ratings and Ratios
Banking, Investments, Cards, Wealth, Trade
C EPS (Earnings per Share)
C Revenue
Description: C Citigroup
Citigroup Inc. is a diversified financial services holding company operating through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth. The companys diverse offerings cater to consumers, corporations, governments, and institutions globally, with a presence in North America, the UK, Japan, Asia, Australia, Europe, the Middle East, and Africa.
The companys business segments provide a range of financial products and services, including cash management, trade, and working capital solutions, as well as investment banking, corporate lending, and wealth management services. This diversified revenue stream can help mitigate risks and capitalize on opportunities across different markets and client segments.
From a financial perspective, key performance indicators (KPIs) to monitor include the companys return on equity (RoE) of 6.38%, which indicates a relatively modest return on shareholder equity. The price-to-earnings (P/E) ratio of 13.82 and forward P/E of 11.75 suggest that the stock may be undervalued relative to its earnings growth potential. Additionally, the companys market capitalization of $163.43 billion indicates a significant presence in the financial services sector.
To further evaluate Citigroups performance, other relevant KPIs could include its net interest margin (NIM), efficiency ratio, and capital adequacy ratio. A higher NIM would indicate a companys ability to maintain a healthy margin between interest income and expense. A lower efficiency ratio would suggest effective cost management, while a strong capital adequacy ratio would demonstrate the companys ability to absorb potential losses and maintain regulatory compliance.
Citigroups global presence and diversified business segments position it for potential long-term growth, driven by increasing demand for financial services across emerging and developed markets. However, the company must navigate complex regulatory environments, intense competition, and economic uncertainty to achieve its objectives.
C Stock Overview
| Market Cap in USD | 170,449m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1977-01-03 |
C Stock Ratings
| Growth Rating | 67.9% |
| Fundamental | 40.4% |
| Dividend Rating | 56.4% |
| Return 12m vs S&P 500 | 37.7% |
| Analyst Rating | 4.18 of 5 |
C Dividends
| Dividend Yield 12m | 2.72% |
| Yield on Cost 5y | 5.37% |
| Annual Growth 5y | 1.34% |
| Payout Consistency | 86.2% |
| Payout Ratio | 33.7% |
C Growth Ratios
| Growth Correlation 3m | 91.8% |
| Growth Correlation 12m | 78.5% |
| Growth Correlation 5y | 39.1% |
| CAGR 5y | 18.00% |
| CAGR/Max DD 5y | 0.38 |
| Sharpe Ratio 12m | 1.83 |
| Alpha | 37.79 |
| Beta | 1.547 |
| Volatility | 24.59% |
| Current Volume | 10864.6k |
| Average Volume 20d | 12964k |
| Stop Loss | 93.9 (-3%) |
| Signal | -0.10 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (14.18b TTM) > 0 and > 6% of Revenue (6% = 10.07b TTM) |
| FCFTA -0.01 (>2.0%) and ΔFCFTA 2.33pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -821.4% (prev -765.2%; Δ -56.13pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.03 (>3.0%) and CFO -87.17b <= Net Income 14.18b (YES >=105%, WARN >=100%) |
| Net Debt (383.76b) to EBITDA (16.79b) ratio: 22.86 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.32 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.89b) change vs 12m ago -2.70% (target <= -2.0% for YES) |
| Gross Margin 43.11% (prev 41.30%; Δ 1.80pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.68% (prev 7.00%; Δ -0.33pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.16 (EBITDA TTM 16.79b / Interest Expense TTM 84.75b) >= 6 (WARN >= 3) |
Altman Z'' -3.08
| (A) -0.53 = (Total Current Assets 637.30b - Total Current Liabilities 2016.11b) / Total Assets 2622.77b |
| (B) 0.08 = Retained Earnings (Balance) 211.67b / Total Assets 2622.77b |
| (C) 0.01 = EBIT TTM 13.64b / Avg Total Assets 2514.23b |
| (D) 0.07 = Book Value of Equity 167.92b / Total Liabilities 2408.64b |
| Total Rating: -3.08 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 40.41
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield -8.22% = -4.11 |
| 3. FCF Margin -15.59% = -5.85 |
| 4. Debt/Equity 3.38 = -1.32 |
| 5. Debt/Ebitda 42.96 = -2.50 |
| 6. ROIC - WACC -2.09% = -2.62 |
| 7. RoE 6.72% = 0.56 |
| 8. Rev. Trend 76.40% = 3.82 |
| 9. Rev. CAGR 20.71% = 2.50 |
| 10. EPS Trend 10.06% = 0.25 |
| 11. EPS CAGR 6.63% = 0.66 |
What is the price of C shares?
Over the past week, the price has changed by +4.57%, over one month by +2.00%, over three months by +29.89% and over the past year by +62.06%.
Is Citigroup a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of C is around 106.55 USD . This means that C is currently undervalued and has a potential upside of +10.05% (Margin of Safety).
Is C a buy, sell or hold?
- Strong Buy: 10
- Buy: 6
- Hold: 6
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the C price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 100.6 | 3.9% |
| Analysts Target Price | 84.2 | -13% |
| ValueRay Target Price | 114 | 17.7% |
Last update: 2025-08-23 05:01
C Fundamental Data Overview
CCE Cash And Equivalents = 573.27b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 13.6765
P/E Forward = 12.4844
P/S = 2.3405
P/B = 0.8712
P/EG = 1.0488
Beta = 1.366
Revenue TTM = 167.87b USD
EBIT TTM = 13.64b USD
EBITDA TTM = 16.79b USD
Long Term Debt = 317.76b USD (from longTermDebt, last quarter)
Short Term Debt = 403.47b USD (from shortTermDebt, last quarter)
Debt = 721.23b USD (Calculated: Short Term 403.47b + Long Term 317.76b)
Net Debt = 383.76b USD (from netDebt column, last quarter)
Enterprise Value = 318.41b USD (170.45b + Debt 721.23b - CCE 573.27b)
Interest Coverage Ratio = 0.16 (Ebit TTM 13.64b / Interest Expense TTM 84.75b)
FCF Yield = -8.22% (FCF TTM -26.17b / Enterprise Value 318.41b)
FCF Margin = -15.59% (FCF TTM -26.17b / Revenue TTM 167.87b)
Net Margin = 8.45% (Net Income TTM 14.18b / Revenue TTM 167.87b)
Gross Margin = 43.11% ((Revenue TTM 167.87b - Cost of Revenue TTM 95.50b) / Revenue TTM)
Tobins Q-Ratio = 1.90 (Enterprise Value 318.41b / Book Value Of Equity 167.92b)
Interest Expense / Debt = 2.87% (Interest Expense 20.68b / Debt 721.23b)
Taxrate = 24.70% (from yearly Income Tax Expense: 4.21b / 17.05b)
NOPAT = 10.27b (EBIT 13.64b * (1 - 24.70%))
Current Ratio = 0.32 (Total Current Assets 637.30b / Total Current Liabilities 2016.11b)
Debt / Equity = 3.38 (Debt 721.23b / last Quarter total Stockholder Equity 213.22b)
Debt / EBITDA = 42.96 (Net Debt 383.76b / EBITDA 16.79b)
Debt / FCF = -27.56 (Debt 721.23b / FCF TTM -26.17b)
Total Stockholder Equity = 210.83b (last 4 quarters mean)
RoA = 0.54% (Net Income 14.18b, Total Assets 2622.77b )
RoE = 6.72% (Net Income TTM 14.18b / Total Stockholder Equity 210.83b)
RoCE = 2.58% (Ebit 13.64b / (Equity 210.83b + L.T.Debt 317.76b))
RoIC = 1.89% (NOPAT 10.27b / Invested Capital 542.20b)
WACC = 3.99% (E(170.45b)/V(891.68b) * Re(11.72%)) + (D(721.23b)/V(891.68b) * Rd(2.87%) * (1-Tc(0.25)))
Shares Correlation 5-Years: -90.0 | Cagr: -1.38%
Discount Rate = 11.72% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -26.17b)
Revenue Correlation: 76.40 | Revenue CAGR: 20.71%
Rev Growth-of-Growth: -27.53
EPS Correlation: 10.06 | EPS CAGR: 6.63%
EPS Growth-of-Growth: 91.56
Additional Sources for C Stock
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