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C

CitigroupNYSE:C Stock Report

Market Cap

US$129.1b

7D

-3.0%

1Y

18.1%

Updated

30 Nov, 2021

Data

Company Financials +
C fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance5/6
Financial Health6/6
Dividends5/6

C Stock Overview

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.

Citigroup Competitors

JPMorgan Chase

NYSE:JPM

US$476.5b

Bank of America

NYSE:BAC

US$373.1b

Wells Fargo

NYSE:WFC

US$193.1b

U.S. Bancorp

NYSE:USB

US$85.3b

Price History & Performance

Summary of all time highs, changes and price drops for Citigroup
Historical stock prices
Current Share PriceUS$65.04
52 Week HighUS$80.29
52 Week LowUS$55.00
Beta1.83
1 Month Change-5.96%
3 Month Change-9.55%
1 Year Change18.10%
3 Year Change-0.18%
5 Year Change13.55%
Change since IPO165.69%

Recent News & Updates

Shareholder Returns

CUS BanksUS Market
7D-3.0%-2.5%-0.9%
1Y18.1%46.6%23.3%

Return vs Industry: C underperformed the US Banks industry which returned 46.6% over the past year.

Return vs Market: C underperformed the US Market which returned 23.3% over the past year.

Price Volatility

Is C's price volatile compared to industry and market?
C volatility
C Average Weekly Movement3.1%
Banks Industry Average Movement3.7%
Market Average Movement6.0%
10% most volatile stocks in US Market15.0%
10% least volatile stocks in US Market2.3%

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

Volatility Over Time: C's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1812220,000Jane Fraserhttps://www.citigroup.com

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. The company operates in two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, Citi-branded cards, and Citi retail services.

Citigroup Fundamentals Summary

How do Citigroup's earnings and revenue compare to its market cap?
C fundamental statistics
Market CapUS$129.06b
Earnings (TTM)US$21.84b
Revenue (TTM)US$75.38b

5.9x

P/E Ratio

0.7x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
C income statement (TTM)
RevenueUS$75.38b
Cost of RevenueUS$0
Gross ProfitUS$75.38b
ExpensesUS$53.54b
EarningsUS$21.84b

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

Jan 14, 2022

Earnings per share (EPS)11.01
Gross Margin100.00%
Net Profit Margin28.97%
Debt/Equity Ratio277.8%

How did C perform over the long term?

See historical performance and comparison

Dividends

3.1%

Current Dividend Yield

19%

Payout Ratio

Valuation

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

25.1%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: C ($65.04) is trading below our estimate of fair value ($86.8)

Significantly Below Fair Value: C is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: C is good value based on its PE Ratio (5.9x) compared to the US Banks industry average (10.6x).

PE vs Market: C is good value based on its PE Ratio (5.9x) compared to the US market (17.1x).


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 (0.7x) 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 20 analysts?

-15.5%

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 (-15.5% per year).

Earnings vs Market: C's earnings are forecast to decline over the next 3 years (-15.5% per year).

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

Revenue vs Market: C's revenue (2.6% per year) is forecast to grow slower than the US market (10.1% per year).

High Growth Revenue: C's revenue (2.6% 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 (7.7%).


Past Performance

How has Citigroup performed over the past 5 years?

15.7%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: C has high quality earnings.

Growing Profit Margin: C's current net profit margins (29%) are higher than last year (18.6%).


Past Earnings Growth Analysis

Earnings Trend: C's earnings have grown by 15.7% per year over the past 5 years.

Accelerating Growth: C's earnings growth over the past year (107.2%) exceeds its 5-year average (15.7% per year).

Earnings vs Industry: C earnings growth over the past year (107.2%) exceeded the Banks industry 43%.


Return on Equity

High ROE: C's Return on Equity (11.5%) 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 (11.7x) is moderate.

Allowance for Bad Loans: C has a sufficient allowance for bad loans (444%).

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 (27%).

Low Risk Deposits: C's Loans to Deposits ratio (48%) is appropriate.

Level of Bad Loans: C has an appropriate level of bad loans (0.6%).


Dividend

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

3.14%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: C's dividend (3.14%) is higher than the bottom 25% of dividend payers in the US market (1.33%).

High Dividend: C's dividend (3.14%) is low compared to the top 25% of dividend payers in the US market (3.57%).


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 low payout ratio (19.2%), 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 (25.5% payout ratio).


Next Steps

Management

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

1.4yrs

Average management tenure


CEO

Jane Fraser (53 yo)

0.67

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. From 2009 to 2013, she served as the Chief Executi...


CEO Compensation Analysis

Compensation vs Market: Jane's total compensation ($USD16.71M) is above average for companies of similar size in the US market ($USD11.14M).

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 ( 1.4 years average tenure), which suggests a new team.


Board Members

Experienced Board: C's board of directors are considered experienced (8.1 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 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$129.057b
  • Shares outstanding: 1.98b
  • Website: https://www.citigroup.com

Number of Employees


Location

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

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/11/30 00:14
End of Day Share Price2021/11/29 00:00
Earnings2021/09/30
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.