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Market Cap

US$158.3b

Last Updated

2021/05/17 00:15 UTC

Data Sources

Company Financials +

Executive Summary

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


Snowflake Analysis

Flawless balance sheet established 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

Stable Share Price: C is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.

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


Market Performance


7 Day Return

2.0%

C

1.0%

US Banks

-1.7%

US Market


1 Year Return

82.6%

C

99.1%

US Banks

50.8%

US Market

Return vs Industry: C underperformed the US Banks industry which returned 99.1% over the past year.

Return vs Market: C exceeded the US Market which returned 50.8% over the past year.


Shareholder returns

CIndustryMarket
7 Day2.0%1.0%-1.7%
30 Day5.7%6.8%-1.5%
90 Day20.3%21.2%0.4%
1 Year89.7%82.6%105.2%99.1%53.3%50.8%
3 Year20.5%9.4%31.9%20.6%61.5%51.4%
5 Year93.5%70.5%115.1%88.0%125.8%100.7%

Long-Term 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

Valuation

Is Citigroup undervalued compared to its fair value and its price relative to the market?

10.46x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: C ($76.56) is trading above our estimate of fair value ($74.19)

Significantly Below Fair Value: C is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: C is good value based on its PE Ratio (10.5x) compared to the US Banks industry average (12x).

PE vs Market: C is good value based on its PE Ratio (10.5x) compared to the US market (19.8x).


Price to Earnings Growth Ratio

PEG Ratio: C's earnings are forecast to decline next year, so we can't calculate its PEG ratio.


Price to Book Ratio

PB vs Industry: C is good value based on its PB Ratio (0.9x) compared to the US Banks industry average (1.1x).


Future Growth

How is Citigroup forecast to perform in the next 1 to 3 years based on estimates from 19 analysts?

-7.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: C's earnings are forecast to decline over the next 3 years (-7% per year).

Earnings vs Market: C's earnings are forecast to decline over the next 3 years (-7% per year).

High Growth Earnings: C's earnings are forecast to decline over the next 3 years.

Revenue vs Market: C's revenue (2.3% per year) is forecast to grow slower than the US market (9% per year).

High Growth Revenue: C's revenue (2.3% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: C's Return on Equity is forecast to be low in 3 years time (8.4%).


Past Performance

How has Citigroup performed over the past 5 years?

5.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: C has high quality earnings.

Growing Profit Margin: C's current net profit margins (23.5%) are lower than last year (25.1%).


Past Earnings Growth Analysis

Earnings Trend: C's earnings have grown by 5% per year over the past 5 years.

Accelerating Growth: C's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: C had negative earnings growth (-4.9%) over the past year, making it difficult to compare to the Banks industry average (18.3%).


Return on Equity

High ROE: C's Return on Equity (8.1%) is considered low.


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

Asset Level: C's Assets to Equity ratio (11.4x) is moderate.

Allowance for Bad Loans: C has a sufficient allowance for bad loans (425%).

Low Risk Liabilities: 62% of C's liabilities are made up of primarily low risk sources of funding.

Loan Level: C has an appropriate level of Loans to Assets ratio (28%).

Low Risk Deposits: C's Loans to Deposits ratio (50%) is appropriate.

Level of Bad Loans: C has an appropriate level of bad loans (0.8%).


Dividend

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

2.66%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: C's dividend (2.66%) is higher than the bottom 25% of dividend payers in the US market (1.24%).

High Dividend: C's dividend (2.66%) is low compared to the top 25% of dividend payers in the US market (3.42%).


Stability and Growth of Payments

Stable Dividend: C's dividends per share have been stable in the past 10 years.

Growing Dividend: C's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (27.9%), C's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: C's dividends in 3 years are forecast to be well covered by earnings (28.8% payout ratio).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

1.9yrs

Average management tenure


CEO

Jane Fraser (52 yo)

0.25

Tenure

US$16,710,724

Compensation

Ms. Jane Nind Fraser, Ph.D., has been the Chief Executive Officer of Citigroup Inc. since February 2021 & serves as its Director since September 10, 2020. Ms. Fraser joined Citi in 2004. Ms. Fraser was the...


CEO Compensation Analysis

Compensation vs Market: Jane's total compensation ($USD16.71M) is above average for companies of similar size in the US market ($USD11.15M).

Compensation vs Earnings: Jane's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: C's management team is not considered experienced ( 1.9 years average tenure), which suggests a new team.


Board Members

Experienced Board: C's board of directors are considered experienced (7.6 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: C insiders have only sold shares in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

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


Key Information

  • Name: Citigroup Inc.
  • Ticker: C
  • Exchange: NYSE
  • Founded: 1812
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: US$158.253b
  • Shares outstanding: 2.07b
  • Website: https://www.citigroup.com

Number of Employees


Location

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

Listings


Biography

Citigroup Inc., a diversified financial services holding company, provides various financial products and services to 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 Analysis2021/05/17 00:15
End of Day Share Price2021/05/14 00:00
Earnings2021/03/31
Annual Earnings2020/12/31


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.