ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Citigroup, Inc. ?
1
Strong Long Term Fundamental Strength with a 0.78% CAGR growth in Net Profits
2
Flat results in Jun 25
- GROSS NPA (%)(Q) Highest at 0.46%
3
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 49.43%, its profits have risen by 51.3% ; the PEG ratio of the company is 0.3
4
Market Beating performance in long term as well as near term
- Along with generating 49.43% 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 ReportHow 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.
50.76%
2.34
31.46%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.22%
EBIT Growth (5y)
0.09%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
36.68%
Pledged Shares
0
Institutional Holding
80.27%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.10
EV to EBIT
45.58
EV to EBITDA
35.07
EV to Capital Employed
1.03
EV to Sales
4.58
PEG Ratio
0.32
Dividend Yield
184.77%
ROCE (Latest)
2.27%
ROE (Latest)
6.39%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 39,535 MM
NII(Q)
Highest at USD 15,175 MM
NET PROFIT(9M)
Higher at USD 11,126.29 MM
CASH AND EQV(HY)
Highest at USD 91,990 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
-2What is not working for the Company
GROSS NPA (%)
(Q
Here's what is working for Citigroup, Inc.
Net Profit
At USD 11,126.29 MM has Grown at 94.3%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 15,175 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Cash Flow
Highest at USD 39,535 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Cash and Eqv
Highest at USD 91,990 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Profit
Higher at USD 11,126.29 MM
than preceding 12 month period ended Jun 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
Here's what is not working for Citigroup, Inc.
Non Performing Loans (%)
Highest at 0.46%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Capital Adequacy Ratio
Lowest at 13.22%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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