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

Regions Financial Corp.

U.S. Bancorp

Credicorp Ltd.

Capital One Financial Corp.

JPMorgan Chase & Co.

Citigroup, Inc.

Bank of America Corp.

Wells Fargo & Co.

The PNC Financial Services Group, Inc.

Citizens Financial Group, Inc. (Rhode Island)

Huntington Bancshares, 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.

51.28%

2.60

31.46%

S&P 500

17.78%

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)

1.34%

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

81.60%

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

1.38

EV to EBIT

38.96

EV to EBITDA

32.87

EV to Capital Employed

1.14

EV to Sales

4.71

PEG Ratio

0.29

Dividend Yield

110.21%

ROCE (Latest)

2.92%

ROE (Latest)

6.97%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

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

11What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 28,803 MM

ROCE(HY)

Highest at 0.56%

NII(Q)

Highest at USD 15,665 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 50.26%

CASH AND EQV(HY)

Highest at USD 95,933 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

-7What is not working for the Company

ROCE(HY)

Lowest at 0.56%

OPERATING PROFIT(Q)

Lowest at USD 3,934 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 10.73 %

PRE-TAX PROFIT(Q)

Lowest at USD 4,041 MM

NET PROFIT(Q)

Lowest at USD 2,586.27 MM

EPS(Q)

Lowest at USD 1.19

Here's what is working for Citigroup, Inc.

Operating Cash Flow

Highest at USD 28,803 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

NII

Highest at USD 15,665 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Cash and Eqv

Highest at USD 95,933 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Dividend Payout Ratio

Highest at 50.26%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

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

Operating Profit

Lowest at USD 3,934 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 10.73 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD 4,041 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 2,586.27 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 1.19

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)