Citigroup, Inc. (C) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Capital One Financial Corp.

Bank of America Corp.

JPMorgan Chase & Co.

Credicorp Ltd.

Citigroup, Inc.

Citizens Financial Group, Inc. (Rhode Island)

U.S. Bancorp

Huntington Bancshares, Inc.

Wells Fargo & Co.

Regions Financial Corp.

The PNC Financial Services Group, Inc.

Why is Citigroup, Inc. ?

Strong Long Term Fundamental Strength with a 0.78% CAGR growth in Net Profits

Flat results in Jun 25

GROSS NPA (%)(Q) Highest at 0.46%

With ROA of 0.39%, it has a very attractive valuation with a 1.10 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 55.28%, its profits have risen by 51.3% ; the PEG ratio of the company is 0.3

Market Beating performance in long term as well as near term

Along with generating 55.28% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Citigroup, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Citigroup, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Citigroup, Inc.

38.64%

2.60

31.46%

S&P 500

16.26%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

19.72%

EBIT Growth (5y)

0.84%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

33.18%

Pledged Shares

Institutional Holding

82.45%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.55

EV to EBIT

42.04

EV to EBITDA

32.92

EV to Capital Employed

1.21

EV to Sales

4.65

PEG Ratio

1.38

Dividend Yield

32.84%

ROCE (Latest)

2.88%

ROE (Latest)

6.77%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

14What is working for the Company

ROCE(HY)

Highest at 0.64%

GROSS NPA (%)

NII(Q)

Highest at USD 17,125 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 37,662 MM

OPERATING PROFIT(Q)

Highest at USD 7,929 MM

OPERATING PROFIT MARGIN(Q)

Highest at 21.05 %

PRE-TAX PROFIT(Q)

Highest at USD 8,098 MM

EPS(Q)

Highest at USD 3.15

-4What is not working for the Company

ROCE(HY)

Lowest at 0.64%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 19.05%

CREDIT DEPOSIT RATIO(HY)

Lowest at 53.17%

Here's what is working for Citigroup, Inc.

Non Performing Loans (%)

Lowest at 0.41%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII

Highest at USD 17,125 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 37,662 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 7,929 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 21.05 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 8,098 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 8,098 MM has Grown at 54.19%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

EPS

Highest at USD 3.15

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for Citigroup, Inc.

Credit Deposit Ratio

Lowest at 53.17%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Lowest at 19.05%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)