CFU Stock Overview

A diversified financial service holding company, provides various financial product and services to consumers, corporations, governments, and institutions worldwide. More details

CFU fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	4/6
Past Performance	1/6
Financial Health	6/6
Dividends	5/6

Rewards

Trading at 51.7% below our estimate of its fair value

Earnings are forecast to grow 31.01% per year

Pays a reliable dividend of 3.18%

Risk Analysis

Profit margins (9.7%) are lower than last year (17.1%)

My Notes

Capture your thoughts, links and company narrative

Citigroup Inc. Competitors

Commerzbank

XTRA:CBK

€18.6b

ProCredit Holding

XTRA:PCZ

€454.7m

China Merchants Bank

SHSE:600036

CN¥988.5b

Commonwealth Bank of Australia

ASX:CBA

AU$259.3b

Price History & Performance

Summary of share price highs, lows and changes for Citigroup
Historical stock prices
Current Share Price	US$19.90
52 Week High	US$20.60
52 Week Low	US$15.00
Beta	1.43
1 Month Change	0%
3 Month Change	13.07%
1 Year Change	32.67%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	62.61%

Recent updates

Shareholder Returns

	CFU	DE Banks	DE Market
7D	3.6%	1.3%	0.3%
1Y	32.7%	20.5%	6.9%

Return vs Industry: CFU exceeded the German Banks industry which returned 20.2% over the past year.

Return vs Market: CFU exceeded the German Market which returned 7.2% over the past year.

Price Volatility

Is CFU's price volatile compared to industry and market?
CFU volatility
CFU Average Weekly Movement	3.9%
Banks Industry Average Movement	3.1%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	11.8%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: CFU has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: CFU's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1812	229,000	Jane Fraser	www.citigroup.com

Citigroup Inc., a diversified financial service holding company, provides various financial product and services to consumers, corporations, governments, and institutions worldwide. It operates through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth.

Citigroup Inc. Fundamentals Summary

How do Citigroup's earnings and revenue compare to its market cap?
CFU fundamental statistics
Market cap	€129.10b
Earnings (TTM)	€6.44b
Revenue (TTM)	€66.63b

19.9x

P/E Ratio

0.7x

P/B Ratio

Is CFU overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CFU income statement (TTM)
Revenue	US$69.31b
Cost of Revenue	US$0
Gross Profit	US$69.31b
Other Expenses	US$62.61b
Earnings	US$6.70b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Jan 15, 2025

Earnings per share (EPS)	3.54
Gross Margin	100.00%
Net Profit Margin	9.67%
Debt/Equity Ratio	317.5%

How did CFU perform over the long term?

See historical performance and comparison

Dividends

3.2%

Current Dividend Yield

61%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/30 04:42
End of Day Share Price	2024/12/30 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Citigroup Inc. is covered by 60 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Stephen Biggar	Argus Research Company
Jason Goldberg	Barclays
Peter Richardson	Berenberg