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Citigroup Inc C

Morningstar Rating
$64.52 −1.19 (1.81%)
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Company Report

Citigroup Earnings: Continued Expense Diligence Will Be Key for Turnaround to Succeed

No-moat-rated Citigroup reported middling second-quarter results with earnings per share of $1.52 compared with $1.33 in the year-ago quarter. Citi was issued civil money penalties totaling $136 million by regulators for not meeting data quality milestones related to the Federal Reserve Board’s 2020 consent order. Citi has committed to investing more resources to resolve the data quality issues in its regulatory reporting. We are maintaining our $68 fair value estimate as we incorporate second-quarter results. Our long-term outlook for Citi is largely unchanged.

Price vs Fair Value

C is trading at a 316% premium.
Price
$64.52
Fair Value
$12.00
Uncertainty
Medium
1-Star Price
$95.80
5-Star Price
$56.50
Economic Moat
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Capital Allocation
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Bulls Say, Bears Say

Bulls

Citigroup is in the middle of a strategic repositioning, making major moves such as spinning off its consumer business in Mexico and reinvesting in commercial banking and wealth. Citigroup may finally emerge as a structurally improved franchise.

Bears

Management doesn't expect to hit its return targets until two to three years from now, and the bank has historically underperformed. It's not worth waiting around for this historical value trap.

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News

Trading Information

Previous Close Price
$65.71
Day Range
$63.3566.69
52-Week Range
$38.1766.99
Bid/Ask
$64.47 / $64.50
Market Cap
$123.07 Bil
Volume/Avg
30.1 Mil / 12.7 Mil

Key Statistics

Price/Earnings (Normalized)
13.23
Price/Sales
1.57
Dividend Yield (Trailing)
3.29%
Dividend Yield (Forward)
3.29%
Total Yield
5.23%

Company Profile

Citigroup is a global financial-services company doing business in more than 100 countries and jurisdictions. Citigroup's operations are organized into five primary segments: services, markets, banking, US personal banking, and wealth management. The bank's primary services include cross-border banking needs for multinational corporates, investment banking and trading, and credit card services in the United States.
Sector
Financial Services
Industry
Banks - Diversified
Stock Style Box
Large Value
Total Number of Employees
239,000

Competitors

Valuation

Metric
C
WFC
BAC
Price/Earnings (Normalized)
13.2310.8913.94
Price/Book Value
0.651.201.23
Price/Sales
1.572.463.41
Price/Cash Flow
4.567.339.03
Price/Earnings
C
WFC
BAC

Financial Strength

Metric
C
WFC
BAC
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
C
WFC
BAC
Return on Assets (Normalized)
0.37%1.00%0.92%
Return on Equity (Normalized)
4.74%11.72%11.28%
Return on Invested Capital (Normalized)
Return on Assets
C
WFC
BAC
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Banks - Diversified Industry Comparables

1-Day Chart
Name
Price
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
JPMorgan Chase & Co
JPM
MqxdldkxsSxkxp$588.5 Bil
Bank of America Corp
BAC
WczldvmjKdh$325.2 Bil
Wells Fargo & Co
WFC
TnslxkwBfsh$197.1 Bil
HSBC Holdings PLC ADR
HSBC
GpkvdsbsKcy$160.8 Bil
Royal Bank of Canada
RY
TlpmjbrrgHkwb$157.4 Bil
Mitsubishi UFJ Financial Group Inc ADR
MUFG
NzjqvxfDwwp$129.2 Bil
UBS Group AG
UBS
CvphdhqwCbdwlyr$100.2 Bil
The Toronto-Dominion Bank
TD
TpsyvnkspBnlq$99.9 Bil
Banco Santander SA ADR
SAN
YgbZhkrcxf$75.9 Bil

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