Citigroup
Market Cap
US$145.7b
Last Updated
2021/03/04 23:59 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
Rewards
Risk Analysis
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 not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: C's weekly volatility (5%) has been stable over the past year.
Market Performance
7 Day Return
3.6%
C
-0.8%
US Banks
-3.4%
US Market
1 Year Return
10.0%
C
22.0%
US Banks
29.4%
US Market
Return vs Industry: C underperformed the US Banks industry which returned 22% over the past year.
Return vs Market: C underperformed the US Market which returned 29.4% over the past year.
Shareholder returns
| C | Industry | Market | |
|---|---|---|---|
| 7 Day | 3.6% | -0.8% | -3.4% |
| 30 Day | 17.2% | 19.3% | 0.6% |
| 90 Day | 19.1% | 26.7% | 6.3% |
| 1 Year | 14.6%10.0% | 26.4%22.0% | 32.2%29.4% |
| 3 Year | 3.5%-5.8% | 14.5%4.8% | 51.3%41.7% |
| 5 Year | 90.3%68.7% | 104.9%79.0% | 119.6%95.2% |
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
1 week ago | Simply Wall St
Did You Participate In Any Of Citigroup's (NYSE:C) Respectable 88% Return?1 month ago | Simply Wall St
Is It Worth Considering Citigroup Inc. (NYSE:C) For Its Upcoming Dividend?1 month ago | Simply Wall St
What Kind Of Investors Own Most Of Citigroup Inc. (NYSE:C)?Valuation
Is Citigroup undervalued compared to its fair value and its price relative to the market?
21.9%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: C ($70.38) is trading below our estimate of fair value ($89.37)
Significantly Below Fair Value: C is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: C is poor value based on its PE Ratio (14.8x) compared to the US Banks industry average (12.8x).
PE vs Market: C is good value based on its PE Ratio (14.8x) compared to the US market (21.4x).
Price to Earnings Growth Ratio
PEG Ratio: C is poor value based on its PEG Ratio (1.3x)
Price to Book Ratio
PB vs Industry: C is good value based on its PB Ratio (0.8x) compared to the US Banks industry average (1.1x).
Next Steps
Future Growth
How is Citigroup forecast to perform in the next 1 to 3 years based on estimates from 21 analysts?
11.6%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: C's forecast earnings growth (11.6% per year) is above the savings rate (2%).
Earnings vs Market: C's earnings (11.6% per year) are forecast to grow slower than the US market (19.6% per year).
High Growth Earnings: C's earnings are forecast to grow, but not significantly.
Revenue vs Market: C's revenue (7.1% per year) is forecast to grow slower than the US market (10.1% per year).
High Growth Revenue: C's revenue (7.1% 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 (8.8%).
Next Steps
Past Performance
How has Citigroup performed over the past 5 years?
0.7%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: C has high quality earnings.
Growing Profit Margin: C's current net profit margins (17%) are lower than last year (27.5%).
Past Earnings Growth Analysis
Earnings Trend: C's earnings have grown by 0.7% 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 (-45.5%) over the past year, making it difficult to compare to the Banks industry average (0.5%).
Return on Equity
High ROE: C's Return on Equity (5.5%) is considered low.
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
Asset Level: C's Assets to Equity ratio (11.3x) is moderate.
Allowance for Bad Loans: C has a sufficient allowance for bad loans (440%).
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 (29%).
Low Risk Deposits: C's Loans to Deposits ratio (51%) is appropriate.
Level of Bad Loans: C has an appropriate level of bad loans (0.8%).
Next Steps
Dividend
What is Citigroup current dividend yield, its reliability and sustainability?
2.92%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: C's dividend (2.9%) is higher than the bottom 25% of dividend payers in the US market (1.31%).
High Dividend: C's dividend (2.9%) is low compared to the top 25% of dividend payers in the US market (3.69%).
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 (43%), 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 (26.5% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
2.1yrs
Average management tenure
CEO
Jane Fraser (52 yo)
no data
Tenure
US$17,313,781
Compensation
Ms. Jane Nind Fraser, Ph.D., has been the Chief Executive Officer of Citigroup Inc. since March 01, 2021. Ms. Fraser is the President of Citigroup Inc. since October 2019 and serves as Director since Septe...
CEO Compensation Analysis
Compensation vs Market: Jane's total compensation ($USD17.31M) is above average for companies of similar size in the US market ($USD10.53M).
Compensation vs Earnings: Jane's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | no data | US$17.31m | 0.014% $ 20.7m | |
| Chief Financial Officer | 2.08yrs | US$7.75m | 0.0061% $ 8.9m | |
| Chief Executive Officer of Institutional Clients Group | 2.17yrs | US$13.81m | no data | |
| Chairman Emeritus and Senior Advisor | 14.92yrs | US$21.52m | no data | |
| Head of Operations & Technology | 2.33yrs | no data | 0.0068% $ 10.0m | |
| Chief Accounting Officer & Controller | 0.33yr | no data | 0.00098% $ 1.4m | |
| Global Co-Head of Banking | no data | no data | no data | |
| Chief Administrative Officer | 0.75yr | no data | 0.00065% $ 947.2k | |
| Interim Head of Investor Relations | 1.75yrs | no data | no data | |
| General Counsel & Corporate Secretary | 8.75yrs | no data | 0.0091% $ 13.2m | |
| Chief Compliance Officer | 0.75yr | no data | 0.0024% $ 3.5m | |
| Head of Global Public Affairs | 10.83yrs | no data | 0.0062% $ 9.1m |
2.1yrs
Average Tenure
54yo
Average Age
Experienced Management: C's management team is considered experienced (2.1 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | no data | US$17.31m | 0.014% $ 20.7m | |
| Chairman Emeritus and Senior Advisor | 14.92yrs | US$21.52m | no data | |
| Chairwoman & MD of French Unit | 2.5yrs | no data | no data | |
| Chairman & CEO of Citibank Canada and Country Officer of Canada | 10.67yrs | no data | no data | |
| Independent Director | 7.67yrs | US$305.00k | 0.0018% $ 2.7m | |
| Chairman of the Advisory Board for Citi India | no data | US$4.84m | no data | |
| Independent Director | 7.25yrs | US$417.50k | 0.0011% $ 1.6m | |
| Independent Director | 10.92yrs | US$285.00k | 0.0019% $ 2.7m | |
| Independent Director | 7.67yrs | US$406.25k | 0.0012% $ 1.7m | |
| Co-Chairman & Director of Securities Co. - Nikko Cordial Corp | no data | no data | no data | |
| Independent Chairman | 2.17yrs | US$725.00k | 0.00085% $ 1.2m | |
| Independent Director | 11.67yrs | US$358.75k | 0.0019% $ 2.8m |
7.7yrs
Average Tenure
65yo
Average Age
Experienced Board: C's board of directors are considered experienced (7.7 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold 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$145.716b
- Shares outstanding: 2.09b
- Website: https://www.citigroup.com
Number of Employees
Location
- Citigroup Inc.
- 388 Greenwich Street
- New York
- New York
- 10013
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| C | NYSE (New York Stock Exchange) | Yes | Common Stock | US | USD | Oct 1986 |
| C | BVL (Bolsa de Valores de Lima) | Yes | Common Stock | PE | USD | Oct 1986 |
| TRVC | DB (Deutsche Boerse AG) | Yes | Common Stock | DE | EUR | Oct 1986 |
| C * | BMV (Bolsa Mexicana de Valores) | Yes | Common Stock | MX | MXN | Oct 1986 |
| C | SWX (SIX Swiss Exchange) | Yes | Common Stock | CH | CHF | Oct 1986 |
| 0R01 | LSE (London Stock Exchange) | Yes | Common Stock | GB | USD | Oct 1986 |
| TRVC | XTRA (XETRA Trading Platform) | Yes | Common Stock | DE | EUR | Oct 1986 |
| C | BVC (Bolsa de Valores de Colombia) | Yes | Common Stock | CO | COP | Oct 1986 |
| C | SNSE (Santiago Stock Exchange) | Yes | Common Stock | CL | USD | Oct 1986 |
| CIT-U | ETLX (Eurotlx) | Yes | Common Stock | IT | EUR | Oct 1986 |
| CITI | WBAG (Wiener Boerse AG) | Yes | Common Stock | AT | EUR | Oct 1986 |
| C | BASE (Buenos Aires Stock Exchange) | CEDEAR EACH REP 0.33333 COM USD0.01 | AR | ARS | Nov 2002 | |
| C PRPCL | NYSE (New York Stock Exchange) | DEP SHS PFD AA | US | USD | Jan 2008 | |
| C.PRIC | NYSE (New York Stock Exchange) | DEP SH 1/1000 | US | USD | Jan 2008 | |
| CTGP34 | BOVESPA (Bolsa de Valores de Sao Paulo) | BDR EACH 6 REP 1 COM | BR | BRL | Jul 2011 | |
| C.PRJ | NYSE (New York Stock Exchange) | DEP SHS 1/1000 J | US | USD | Sep 2013 | |
| C.PRK | NYSE (New York Stock Exchange) | DEP SHS RP PFD K | US | USD | Oct 2013 | |
| CFU8 | BST (Boerse-Stuttgart) | 6.3%-FRN SUB PERP USD 'M' | DE | USD | Apr 2014 | |
| A1Z0P7 | DB (Deutsche Boerse AG) | ALT TIER I PERP | DE | USD | Aug 2016 |
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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/03/04 23:59 |
| End of Day Share Price | 2021/03/04 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
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.