NYSE:C.PRL

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 second-rate dividend payer.


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

-0.8%

NYSE:C.PRL

2.4%

US Banks

2.9%

US Market


1 Year Return

-4.1%

NYSE:C.PRL

-14.8%

US Banks

0.2%

US Market

C.PRL outperformed the Banks industry which returned -17.8% over the past year.

C.PRL outperformed the Market in United States of America which returned -7.7% over the past year.


Share holder returns

C.PRLIndustryMarket
7 Day-0.8%2.4%2.9%
30 Day0.4%-6.3%-2.3%
90 Day-0.8%-2.1%3.1%
1 Year2.5%-4.1%-12.4%-14.8%2.4%0.2%
3 Year12.5%-7.2%41.7%32.0%41.7%32.4%
5 Yearn/a52.2%35.7%55.1%37.9%

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?

21%

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 loss making, we can't compare its value to the US Banks industry average.

Citigroup is loss making, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Citigroup, 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?

7.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Citigroup's revenue is expected to grow by 3.4% yearly, however this is not considered high growth (20% yearly).

Citigroup's earnings are expected to grow by 7.4% yearly, however this is not considered high growth (20% yearly).

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

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

Citigroup's earnings growth is expected to exceed 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?

-24.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Citigroup does not make a profit and their year on year earnings growth rate was negative over the past 5 years.

Unable to compare Citigroup's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare Citigroup's 1-year growth to the US Banks industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if Citigroup has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if Citigroup has efficiently used its assets last year compared to the US Banks industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if Citigroup improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


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

Information is not available.

Information is not available.


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 low (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?

3.60%

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 (3.76%).

Dividends per share have been stable in the past 10 years.

Dividends per share have fallen over the past 10 years.


Current Payout to Shareholders

The company is paying a dividend however it is incurring a loss.


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (3.9x coverage).


Next Steps

Management

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

6.1yrs

Average management tenure


CEO

Mike Corbat (58yo)

6.3yrs

Tenure

US$17,801,683

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 whilst company is loss making.


Management Age and Tenure

6.1yrs

Average Tenure

55yo

Average Age

The average tenure for the Citigroup management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

8.5yrs

Average Tenure

65.5yo

Average Age

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


Insider Trading

No 3 month insider trading information.


Ownership Breakdown


Management Team

  • Sandy Weill (84yo)

    Chairman Emeritus and Senior Advisor

    • Tenure: 12.8yrs
    • Compensation: US$21.52m
  • Ray McGuire

    Global Head of Corporate & Investment Banking

    • Tenure: 0.0yrs
  • Jamie Forese (55yo)

    President & CEO of Institutional Clients Group

    • Tenure: 6.0yrs
    • Compensation: US$17.23m
  • John Gerspach (64yo)

    Chief Financial Officer

    • Tenure: 9.5yrs
    • Compensation: US$9.91m
  • Mike Corbat (58yo)

    CEO & Director

    • Tenure: 6.3yrs
    • Compensation: US$17.80m
  • Stephen Bird (51yo)

    Chief Executive Officer of Global Consumer Banking

    • Tenure: 0.0yrs
    • Compensation: US$12.76m
  • Jane Fraser (50yo)

    Chief Executive Officer of Latin America Region

    • Tenure: 9.8yrs
    • Compensation: US$8.63m
  • Manuel Falco

    Global Co-Head of Banking

    • Tenure: 0.0yrs
  • Raja Akram (46yo)

    Controller & Chief Accounting Officer

    • Tenure: 1.2yrs
  • Mike Whitaker

    Head of Enterprise Operations & Technology

    • Tenure: 0.2yrs

Board Members

  • Sandy Weill (84yo)

    Chairman Emeritus and Senior Advisor

    • Tenure: 12.8yrs
    • Compensation: US$21.52m
  • Victor Menezes (68yo)

    Chairman of the Advisory Board for Citi India

    • Tenure: 0.0yrs
    • Compensation: US$10.19m
  • Laurence Parisot (59yo)

    Chairwoman & MD of French Unit

    • Tenure: 0.3yrs
  • Kazuyoshi Kimura (75yo)

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

    • Tenure: 0.0yrs
  • Pramit Jhaveri

    CEO of Citi India Operations & Member of Advisory Board of India

    • Tenure: 7.9yrs
  • Tony Santomero (72yo)

    Director

    • Tenure: 9.8yrs
    • Compensation: US$444.32k
  • John Dugan (61yo)

    Chairman

    • Tenure: 0.0yrs
    • Compensation: US$78.75k
  • Mike Corbat (58yo)

    CEO & Director

    • Tenure: 6.3yrs
    • Compensation: US$17.80m
  • Diana Taylor (63yo)

    Director

    • Tenure: 9.5yrs
    • Compensation: US$397.11k
  • John Hastings

    Chairman & CEO of Citibank Canada and Country Officer of Canada

    • Tenure: 8.5yrs

Company Information

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


Key Information

  • Name: Citigroup Inc.
  • Ticker: C.PRL
  • Exchange: NYSE
  • Founded: 1812
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: US$134.635b
  • Shares outstanding: 2.44b
  • Website: https://www.citigroup.com

Number of Employees


Location

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

Listings

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

Biography

Citigroup Inc., a diversified financial services holding company, provides various financial products and services for consumers, corporations, governments, and institutions. The company operates through t ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/01/15 00:44
End of Day Share Price2019/01/11 00:00
Earnings2018/09/30
Annual Earnings2017/12/31


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.