Citigroup (C) Stock Analysis
Here is a fundamental analysis of Citigroup (C), benchmarking its profitability, financial strength, dividend and valuation against its industry group peers.
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | Current stock: C | Industry group median |
|---|---|---|
| 1-Year Return | 82.79% | 33.15% |
Risk
Drawdown
Risk at a Glance
| Metric | Current stock: C | Industry group median |
|---|---|---|
| 1-Year Volatility | 28.43% | 26.66% |
| Beta | 1.11 | 0.71 |
Company Profile
| Profile Item | C |
|---|---|
| Name | Citigroup Inc. |
| Country/Region | United States |
| GICS Sector | Financials |
| GICS Industry Group | Banks |
| GICS Industry | Banks |
| GICS Sub-Industry | Diversified Banks |
| Market Capitalization | 238.49 billion USD |
| Currency | USD |
| Exchange | NYSE |
| Listing Date | January 3, 1977 |
| Security Type | Common Stock |
Valuation
Price-to-Earnings Ratio (TTM)
Citigroup (C) trades at P/E ratio of 17.28, in the richer earnings-multiple quartile for its industry. That premium needs support from growth, durable earnings, or stronger business quality.
C
Banks industry group
17.28
Group distribution
- Max
- 21.53
- C
- 17.28
- Q3
- 15.41
- Median
- 12.95
- Q1
- 11.19
- Min
- 6.13
Largest peers
- RY
- 18.11
- C
- 17.28
- JPM
- 15.36
- HSBC
- 15.32
- MUFG
- 15.27
- BAC
- 13.90
- WFC
- 12.94
Price-to-Sales Ratio (TTM)
P/S ratio is not assessed for Citigroup (C) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.
Price-to-Book Ratio (MRQ)
Citigroup (C) trades at 1.25 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.
C
Banks industry group
1.25
Group distribution
- Max
- 2.22
- Q3
- 1.58
- Median
- 1.30
- C
- 1.25
- Q1
- 1.13
- Min
- 0.64
Largest peers
- HSBC
- 7.29
- RY
- 2.95
- JPM
- 2.50
- MUFG
- 1.64
- WFC
- 1.57
- BAC
- 1.45
- C
- 1.25
Valuation at a Glance
| Metric | Current stock: C | Industry group median |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 17.28 | 12.95 |
| Price-to-Sales Ratio (TTM) | -- | -- |
| Price-to-Book Ratio (MRQ) | 1.25 | 1.30 |
| Free Cash Flow Yield | -- | -- |
Profitability
Return on Equity (TTM)
Citigroup (C) posts ROE of 7.65%, in the lower peer quartile. Shareholders’ equity is not producing as much profit as it does at most peers, so margins, asset turns, or balance-sheet structure deserve a closer look.
C
Banks industry group
7.65%
Group distribution
- Max
- 19.15%
- Q3
- 13.07%
- Median
- 10.82%
- Q1
- 8.57%
- C
- 7.65%
- Min
- 3.15%
Largest peers
- JPM
- 16.47%
- RY
- 16.20%
- WFC
- 12.03%
- MUFG
- 11.91%
- HSBC
- 11.61%
- BAC
- 10.64%
- C
- 7.65%
Net Profit Margin (TTM)
Citigroup (C) keeps 20.36% of revenue as net profit, in the lower peer quartile for net margin. More of each sales dollar is being absorbed by costs, financing, taxes, or other charges than at most peers.
C
Banks industry group
20.36%
Group distribution
- Max
- 47.55%
- Q3
- 34.61%
- Median
- 30.31%
- Q1
- 25.62%
- C
- 20.36%
- Min
- 12.76%
Largest peers
- HSBC
- 34.98%
- JPM
- 33.94%
- RY
- 33.69%
- BAC
- 28.96%
- MUFG
- 28.51%
- WFC
- 26.74%
- C
- 20.36%
Operating Profit Margin (TTM)
operating margin is set aside for Citigroup (C) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.
Profitability at a Glance
| Metric | Current stock: C | Industry group median |
|---|---|---|
| Return on Equity (TTM) | 7.65% | 10.82% |
| Return on Assets (TTM) | 0.61% | 1.15% |
| Net Profit Margin (TTM) | 20.36% | 30.31% |
| Operating Profit Margin (TTM) | -- | -- |
| Gross Profit Margin (TTM) | -- | -- |
Financial Strength
Current Ratio (MRQ)
current ratio is set aside for Citigroup (C) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.
Debt-to-Equity Ratio (MRQ)
debt-to-equity ratio is set aside for Citigroup (C) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.
Financial Strength at a Glance
| Metric | Current stock: C | Industry group median |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt-to-Equity Ratio (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Citigroup (C) has dividend yield of 1.72%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.
C
Banks industry group
1.72%
Group distribution
- Max
- 5.44%
- Q3
- 3.24%
- Median
- 2.58%
- C
- 1.72%
- Q1
- 1.71%
- Min
- 0.00%
Largest peers
- HSBC
- 4.05%
- RY
- 2.55%
- MUFG
- 2.45%
- WFC
- 2.15%
- BAC
- 2.00%
- JPM
- 1.87%
- C
- 1.72%
Dividend Payout Ratio (TTM)
Citigroup (C) has payout ratio of 29.17%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.
C
Banks industry group
29.17%
Group distribution
- Max
- 74.88%
- Q3
- 42.57%
- C
- 29.17%
- Median
- 29.00%
- Q1
- 19.94%
- Min
- 0.00%
Largest peers
- HSBC
- 61.98%
- RY
- 41.35%
- C
- 29.17%
- JPM
- 28.24%
- BAC
- 27.30%
- WFC
- 27.05%
- MUFG
- 15.74%
Dividends at a Glance
| Metric | Current stock: C | Industry group median |
|---|---|---|
| Dividend Yield (TTM) | 1.72% | 2.58% |
| Dividend Payout Ratio (TTM) | 29.17% | 29.00% |