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About The Company

CEO

Ms. Jane Nind Fraser

Market Cap

119.65 Billion USD

Sector

Financial Services

Website

https://www.citigroup.com

Last Update

2/22/2024, 12:00:00 PM

Description

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.

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Overview

Value

58

Growth

2

Health

57

Management

42

Analyst Opinion

60

Total

41

All Scores Out Of 100

Best Features

  • Has a history of share buybacks
  • Price-to-earnings ratio of 11.7 is lower than the market average (19.6x)
  • Has a margin-of-safety above fair value

Risk Factors

  • Earnings have declined recently
  • Income is not covering expenditure and investment
  • Has a high level of debt
  • Altman-Z score suggests a risk of bankruptcy
  • Disliked by Twitter users
  • Poor earnings and cashflow growth
  • Accounting anomalies: Growing revenues without a corresponding growth in cash flows.

Market Peers

C

Key Figures

PE Ratio (TTM)

11.71

Margin Of Safety (DCF)

178.56%

Revenue Growth (5 Year Average)

1.61%

Ratings Consensus

Neutral

Share Buybacks

6.15%

Dividend Yeild (TTM)

3.67%

Valuation

Value Score

58

  • Price-to-earnings ratio of 11.7 is lower than the market average (19.6x)
  • Margin-of-safety of 178.56% is better than the market average (17.95%)
  • Estimated intrinsic-value of 154.88 USD is higher than current price ( 62.47 USD)
  • Free-cashflow-yeild of -69.23% is worse than the market average (4.7%)

Desired Margin Of Safety

0%

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Buy Target: < 230.8 USD

Current Price: 55.6 USD

How Does This Work?

Show Advanced Options

This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.

Price/Earnings

11.71x

Free Cashflow Yeild

-69.23%

PE/Earnings Growth

N/A

Price/Book

0.52x

Growth

Growth Score

2

  • Revenue growth has improved this yeara
  • Free Cashflow growth has improved this year
  • 5 Year Average Revenue growth of 1.61% is lower than the market average (10.97%)
  • 5 Year Average Earnings growth of -1.32% is lower than the market average (14.48%)
  • Earnings growth has slowed this year
  • 5 Year Average Free Cashflow growth of -21.49% is lower than the market average (12.35%)

Revenue Growth

1.61%

Earnings Growth

-1.32%

Cashflow Growth

-21.49%

Health

Health Score

57

  • Assets cover liabilities
  • Normal operation does not require debt to be sustainable
  • Cashflow is negative
  • Altman-Z score suggests a risk of bankruptcy
  • Has a high level of debt
  • Debt repayments significantly impact cashflow

Altman Z Score

0.42

Piostroski Score

5.00

Debt/Equity

1.58x

Current Assets/Liabilities

5.46x

Free Cashflow/Total Debt

0.06x

Debt/Capital

0.50x

Dividend

Secure Dividend Score

35

  • Dividend yeild of 3.67% is more than the market average (1.85%)
  • At risk of being unsafe
  • Long term dividend payout ratio of 17.64% is considered good
  • Payout ratio (TTM) of 42.25% is higher than the average (40%)
  • Dividends have been declining over the last 5 years
  • Dividend growth has been slowing recently
  • Spending a higher percentage of their income on dividends than last 5 years

Dividend Yeild

3.67%

Dividend Growth

-3.75%

Payout Ratio (Earnings)

42.25%

Payout Ratio (Cashflow)

-5.30%

Management

Management Score

42

  • Has repurchased shares when value is good
  • Has a history of returning value to shareholders through stock buybacks
  • Has reduced dividends when earnings have fallen
  • Return-on-capital-employed of 2.18% is lower than the market average (10%)
  • Return-on-equity of 6.94% is lower than the market average (15%)

Average Buybacks/Dilution

6.15%

Recent Buybacks/Dilution

-2.69%

5 Year Price Volitility

17.41%

Return On Assets

0.58%

Return On Capital Employed

2.18%

Return On Equity

6.94%

Return On Free Cashflow

N/A

Return On Investments

1.46%

Social Sentiment

Social Sentiment Score

27

Twitter Sentiment

0.00

Stocktwits Sentiment

54.00

Analysts

Analyst Opinion

60

  • Ratings consensus is Neutral

SEC Filings

Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

Other Information

Company Name

Citigroup Inc.

Currency

USD

Beta

1.548155

Vol Avg

15041950

Ceo

Ms. Jane Nind Fraser

Cik

0000831001

Cusip

172967424

Exchange

New York Stock Exchange

Full Time Employees

240000

Industry

Banks—Diversified

Sector

Financial Services

Ipo Date

1977-01-03

Address

388 Greenwich Street

City

New York

State

NY

Country

US

Zip

10013

Phone

212 559 1000

Analysis Last Updated

2/22/2024, 12:00:00 PM

All financial data provided by FMP

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