NYSE:C.PRK

Stock Analysis Report

Executive Summary

Citigroup Inc., a diversified financial services holding company, provides various financial products and services for consumers, corporations, governments, and institutions in North America, Latin America, Asia, Europe, the Middle East, and Africa.

Snowflake

Fundamentals

Flawless balance sheet and good value.


Similar Companies

Share Price & News

How has Citigroup's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.2%

NYSE:C.PRK

-2.6%

US Banks

-1.0%

US Market


1 Year Return

1.5%

NYSE:C.PRK

-14.2%

US Banks

-0.4%

US Market

C.PRK outperformed the Banks industry which returned -14.2% over the past year.

C.PRK outperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

C.PRKIndustryMarket
7 Day-0.2%-2.6%-1.0%
30 Day-1.7%-5.5%-3.3%
90 Day3.0%-3.5%0.4%
1 Year8.1%1.5%-11.8%-14.2%1.8%-0.4%
3 Year14.0%-5.2%42.2%32.4%39.4%30.4%
5 Year41.4%3.7%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is Citigroup's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Citigroup undervalued based on future cash flows and its price relative to the stock market?

24%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Citigroup's share price is below the future cash flow value, and at a moderate discount (> 20%).

Citigroup's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Citigroup is good value based on earnings compared to the US Banks industry average.

Citigroup is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Citigroup earnings are not expected to grow next year, we can't assess if its growth is good value.


Price Based on Value of Assets

Citigroup is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Citigroup expected to perform in the next 1 to 3 years based on estimates from 24 analysts?

-0.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Citigroup's revenue is expected to grow by 2.6% yearly, however this is not considered high growth (20% yearly).

Citigroup's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.

Citigroup's revenue growth is positive but not above the United States of America market average.

Citigroup's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.

Citigroup's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Citigroup is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Citigroup performed over the past 5 years?

-7.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Citigroup's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.

Citigroup has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.

Citigroup has become profitable in the last year making it difficult to compare the US Banks industry average.


Return on Equity

Citigroup has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Citigroup used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Citigroup improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Citigroup's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Citigroup has an acceptable proportion of non-loan assets held.

Citigroup has a sufficient allowance for bad loans.

Citigroup's liabilities are made up of primarily low risk sources of funding.

Citigroup's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Citigroup are broadly funded by customer deposits.

Citigroup has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Citigroup's current dividend yield, its reliability and sustainability?

3.36%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Citigroup's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Citigroup's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have fallen over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (4x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (3.5x coverage).


Next Steps

Management

What is the CEO of Citigroup's salary, the management and board of directors tenure and is there insider trading?

1.8yrs

Average management tenure


CEO

Mike Corbat (59yo)

6.8yrs

Tenure

US$24,183,714

Compensation

Mr. Michael L. Corbat, also known as Mike, has been the Chief Executive Officer of Citigroup Inc. since October 16, 2012. Mr. Corbat served as the Chief Executive Officer at Nikko Citi Holdings, Inc. (also ...


CEO Compensation Analysis

Mike's remuneration is higher than average for companies of similar size in United States of America.

Mike's compensation has increased in line with Citigroup recently becoming profitable.


Management Age and Tenure

1.8yrs

Average Tenure

53.5yo

Average Age

The average tenure for the Citigroup management team is less than 2 years, this suggests a new team.


Board Age and Tenure

8.0yrs

Average Tenure

64yo

Average Age

The tenure for the Citigroup board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Jane Fraser (51yo)

    Chief Executive Officer of Latin America Region

    • Tenure: 10.3yrs
    • Compensation: $9.49m
  • Raja Akram (47yo)

    Controller & Chief Accounting Officer

    • Tenure: 1.8yrs
  • Manuel Falco

    Global Co-Head of Banking

  • Stephen Bird (52yo)

    Chief Executive Officer of Global Consumer Banking

    • Compensation: $11.26m
  • Mike Corbat (59yo)

    CEO & Director

    • Tenure: 6.8yrs
    • Compensation: $24.18m
  • Rohan Weerasinghe (69yo)

    General Counsel & Corporate Secretary

    • Tenure: 7.2yrs
  • Mike Whitaker (55yo)

    Head of Enterprise Infrastructure

    • Tenure: 0.8yrs
  • Sandy Weill (85yo)

    Chairman Emeritus and Senior Advisor

    • Compensation: $21.52m
  • Mark Mason (49yo)

    Chief Financial Officer

    • Tenure: 0.5yrs
  • Elizabeth Lynn

    Interim Head of Investor Relations

    • Tenure: 0.2yrs

Board Members

  • John Dugan (63yo)

    Chairman

    • Tenure: 0.6yrs
    • Compensation: $315.00k
  • Gene McQuade (70yo)

    Independent Non-Executive Director

    • Tenure: 4.1yrs
    • Compensation: $330.00k
  • Kazuyoshi Kimura (76yo)

    Co-Chairman & Director of Securities Co. - Nikko Cordial Corp

  • Diana Taylor (64yo)

    Director

    • Tenure: 10.1yrs
    • Compensation: $370.00k
  • Mike Corbat (59yo)

    CEO & Director

    • Tenure: 6.8yrs
    • Compensation: $24.18m
  • Victor Menezes (69yo)

    Chairman of the Advisory Board for Citi India

    • Compensation: $10.19m
  • Laurence Parisot (60yo)

    Chairwoman & MD of French Unit

    • Tenure: 0.9yrs
  • Sandy Weill (85yo)

    Chairman Emeritus and Senior Advisor

    • Tenure: 13.3yrs
    • Compensation: $21.52m
  • John Hastings

    Chairman & CEO of Citibank Canada and Country Officer of Canada

    • Tenure: 9.1yrs
  • Sheng Man Zhang (62yo)

    Chairman of Asia Pacific Region & Director of Public Sector Group

    • Tenure: 10.1yrs

Company Information

Citigroup Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Citigroup Inc.
  • Ticker: C.PRK
  • Exchange: NYSE
  • Founded: 1812
  • Industry: diversified banks
  • Sector: banks
  • Market Cap: US$143.405b
  • Shares outstanding: 2.26b
  • Website: Click here

Number of Employees


Location

  • Citigroup Inc.
  • 388 Greenwich Street
  • New York
  • New York
  • 10013
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
C *BMV (Bolsa Mexicana de Valores)YesCommon StockMXMXNOct 1986
CBVL (Bolsa de Valores de Lima)YesCommon StockPEUSDOct 1986
TRVCDB (Deutsche Boerse AG)YesCommon StockDEEUROct 1986
0R01LSE (London Stock Exchange)YesCommon StockGBUSDOct 1986
CSNSE (Santiago Stock Exchange)YesCommon StockCLUSDOct 1986
CSWX (SIX Swiss Exchange)YesCommon StockCHCHFOct 1986
CNYSE (New York Stock Exchange)YesCommon StockUSUSDOct 1986
CITIWBAG (Wiener Boerse AG)YesCommon StockATEUROct 1986
CBVC (Bolsa de Valores de Colombia)YesCommon StockCOCOPOct 1986
CFU8BST (Boerse-Stuttgart)6.3%-FRN SUB PERP USD 'M'DEUSDApr 2014
CBASE (Buenos Aires Stock Exchange)CEDEAR EACH REP 0.033333 COM USD0.01ARARSNov 2002
CFUABST (Boerse-Stuttgart)5.8%-FRN SUB PERP USD1000 'N'DEUSDOct 2014
C.PRSNYSE (New York Stock Exchange)DEP SHS PFD SUSUSDJan 2016
C.PRJNYSE (New York Stock Exchange)DEP SHS 1/1000 JUSUSDSep 2013
C.PRKNYSE (New York Stock Exchange)DEP SHS RP PFD KUSUSDOct 2013
CTGP34BOVESPA (Bolsa de Valores de Sao Paulo)BDR EACH REPR 1 COMBRBRLJul 2011
C PRPCLNYSE (New York Stock Exchange)DEP SHS PFD AAUSUSDJan 2008
C PRICLNYSE (New York Stock Exchange)DEP SH 1/1000USUSDJan 2008

Biography

Citigroup Inc., a diversified financial services holding company, provides various financial products and services for consumers, corporations, governments, and institutions in North America, Latin America ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/18 00:36
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.