Citigroup Inc. (C) Stock Analysis | Financial Data & Charts

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profit Waterfall Analysis

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Profitability Margins

Operating Income Margini

9.33%

Operating Income = $3.81B

Revenue = $40.85B

Pre-tax Profit Margini

9.33%

Income Before Tax = $3.81B

Revenue = $40.85B

Net Profit Margini

5.96%

Net Income = $2.43B

Revenue = $40.85B

Tax Metrics

Effective Tax Ratei

33.80%

Income Tax Expense = $1.29B

Income Before Tax = $3.81B

Cash Tax Rate (TTM)i

23.78%

Income Taxes Paid = $4.72B

Income Before Tax = $19.83B

Financial Sector PPNR Metrics

PPNRi

$6.03B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $15.66B | non interest income: $4.21B | non interest expense: $13.84B

PPNR Margini

14.76%

PPNR = $6.03B

Revenue = $40.85B

PPNR / Avg Assetsi

0.24%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $6.03B | avg total assets: $2505.07B

Cost Efficiency Metrics

Efficiency Ratioi

33.88%

Non-Interest Expense = $13.84B

Revenue = $40.85B

Cost-to-Incomei

33.88%

Operating Expenses = $13.84B

Revenue = $40.85B

Cost-to-Assetsi

0.55%

Operating Expenses = $13.84B

Avg Total Assets = $2505.07B

Operating Leverage Metrics

Operating JAWSi

-4.93%

Revenue Growth = -0.11%

Expense Growth = 4.82%

Operating Margin Expansioni

0.03pp

Current Operating Margin = 9.33%

Prior Operating Margin = 9.30%

Earnings Quality Metrics

Earnings Qualityi

1.51x

Operating Cash Flow = $3.67B

Net Income = $2.43B

Accruals / Avg Assetsi

-0.05%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $2.43B | operating cash flow: $3.67B | avg total assets: $2505.07B

Volatility Metrics

PPNR Volatilityi

0.10x

Core Revenue Volatilityi

0.03x

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $168.30B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $55.15B | employee count: N/A

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Capital Adequacy

Tangible Common Equity (TCE)i

$168.86B

Tangible Assets (TA)i

$2633.82B

TCE / TA Ratioi

6.41%

⚠️ Warning

TCE = $168.86B

TA = $2633.82B

Leverage

Equity / Assets (E/A)i

7.99%

Total Equity = $212.29B

Total Assets = $2657.20B

Assets / Equity (A/E)i

12.52x

Total Assets = $2657.20B

Total Equity = $212.29B

Capital Quality

AOCI / TCEi

-24.81%

⚠️ Warning

AOCI = $-41.90B

TCE = $168.86B

(Goodwill + Intangibles) / Equityi

11.01%

✅ Healthy

GW+Intangibles = $23.38B

Total Equity = $212.29B

Liquidity

Liquidity Buffer (HQLA proxy)i

25.42%

✅ Healthy

Cash+ST Inv = $675.44B

Total Assets = $2657.20B

Funding Structure

Wholesale Funding Ratio (Core)i

29.30%

⚠️ Warning

ST+LT Debt = $715.80B

Total Liabilities = $2443.38B

Securities / Assetsi

28.98%

⚠️ Warning

ST+LT Inv = $770.09B

Total Assets = $2657.20B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

$126.96B

ATCE / TAi

4.82%

TCE ATCE = $126.96B

TA = $2633.82B

ATCE Scissor Spreadi

159 bps

⚠️ Warning

TCE/TA = 641.00%

ATCE/TA = 482.00%

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Cash Flow Waterfall Chart

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Inflow

Outflow

Subtotal

Start/End

Cash Generation Capability

Earnings Cash Contenti

-6.34x

TTM Operating Cash Flow = $-90.52B

TTM Net Income = $14.27B

Cash Flow ROA (CFROA)i

-3.42%

TTM Operating Cash Flow = $-90.52B

Average Total Assets = $2649.84B

Liquidity / Solvency

Cash Flow Adequacyi

-4.60x

TTM Operating Cash Flow = $-90.52B

CapEx + 债务偿还 + 分红 CapEx + Debt Repayment + Dividends = $19.66B

OCF / Short-Term Debti

-0.23x

TTM Operating Cash Flow = $-90.52B

Short-Term Debt = $399.98B

Sustainability / Stability

OCF Growth Rate (YoY)i

-85.22%

Current Quarter OCF = $3.67B

Same Quarter Last Year OCF = $24.80B

OCF Volatility (CV)i

1.62x

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profitability Margins

Operating Income Margini

9.33%

Operating Income = $3.81B

Revenue = $40.85B

Pre-tax Profit Margini

9.33%

Income Before Tax = $3.81B

Revenue = $40.85B

Net Profit Margini

5.96%

Net Income = $2.43B

Revenue = $40.85B

Tax Metrics

Effective Tax Ratei

33.80%

Income Tax Expense = $1.29B

Income Before Tax = $3.81B

Cash Tax Rate (TTM)i

23.78%

Income Taxes Paid = $4.72B

Income Before Tax = $19.83B

Financial Sector PPNR Metrics

PPNRi

$6.03B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $15.66B | non interest income: $4.21B | non interest expense: $13.84B

PPNR Margini

14.76%

PPNR = $6.03B

Revenue = $40.85B

PPNR / Avg Assetsi

0.24%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $6.03B | avg total assets: $2505.07B

Cost Efficiency Metrics

Efficiency Ratioi

33.88%

Non-Interest Expense = $13.84B

Revenue = $40.85B

Cost-to-Incomei

33.88%

Operating Expenses = $13.84B

Revenue = $40.85B

Cost-to-Assetsi

0.55%

Operating Expenses = $13.84B

Avg Total Assets = $2505.07B

Operating Leverage Metrics

Operating JAWSi

-4.93%

Revenue Growth = -0.11%

Expense Growth = 4.82%

Operating Margin Expansioni

0.03pp

Current Operating Margin = 9.33%

Prior Operating Margin = 9.30%

Earnings Quality Metrics

Earnings Qualityi

1.51x

Operating Cash Flow = $3.67B

Net Income = $2.43B

Accruals / Avg Assetsi

-0.05%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $2.43B | operating cash flow: $3.67B | avg total assets: $2505.07B

Volatility Metrics

PPNR Volatilityi

0.10x

Core Revenue Volatilityi

0.03x

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $168.30B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $55.15B | employee count: N/A

Capital Adequacy

Tangible Common Equity (TCE)i

$168.86B

Tangible Assets (TA)i

$2633.82B

TCE / TA Ratioi

6.41%

⚠️ Warning

TCE = $168.86B

TA = $2633.82B

Leverage

Equity / Assets (E/A)i

7.99%

Total Equity = $212.29B

Total Assets = $2657.20B

Assets / Equity (A/E)i

12.52x

Total Assets = $2657.20B

Total Equity = $212.29B

Capital Quality

AOCI / TCEi

-24.81%

⚠️ Warning

AOCI = $-41.90B

TCE = $168.86B

(Goodwill + Intangibles) / Equityi

11.01%

✅ Healthy

GW+Intangibles = $23.38B

Total Equity = $212.29B

Liquidity

Liquidity Buffer (HQLA proxy)i

25.42%

✅ Healthy

Cash+ST Inv = $675.44B

Total Assets = $2657.20B

Funding Structure

Wholesale Funding Ratio (Core)i

29.30%

⚠️ Warning

ST+LT Debt = $715.80B

Total Liabilities = $2443.38B

Securities / Assetsi

28.98%

⚠️ Warning

ST+LT Inv = $770.09B

Total Assets = $2657.20B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

$126.96B

ATCE / TAi

4.82%

TCE ATCE = $126.96B

TA = $2633.82B

ATCE Scissor Spreadi

159 bps

⚠️ Warning

TCE/TA = 641.00%

ATCE/TA = 482.00%

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Citigroup Inc.

🔍 Business Model Analysis (DuPont Model)

Financial Metrics

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)

Asset Turnover (TTM)

SG&A/Revenue - SG&A Efficiency (TTM)

Operating Expense Ratio (TTM)

Cost-to-Income Ratio (TTM)

Revenue per Employee (Quarterly)

🎁 Shareholder Returns

Dividend Yield (TTM)

Buyback Yield (TTM)

TSR - Total Shareholder Return (1Y)

Dividend Growth CAGR (3Y)

Income Statement Analysis

Profit Waterfall Analysis

Balance Sheet Analysis

Cash Flow Statement Analysis

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)