C GoodMoat Verdict
Full signal breakdown coming soon. Use the X-Ray tool for a detailed analysis.
Citigroup Inc
Exchange: NYSESector: Financial ServicesIndustry: Banks - Diversified
Citi is one of the world's largest financial institutions, operating in all major established and emerging markets. Across these world markets, our employees conduct an ongoing multi-disciplinary global conversation - accessing information, analyzing data, developing insights, and formulating advice for our clients. About Citi Global Perspectives & Solutions (Citi GPS) As our premier thought-leadership product, Citi Global Perspectives & Solutions (Citi GPS) is designed to help our clients navigate the global economy's most demanding challenges, identify future themes and trends, and help our clients profit in a fast-changing and interconnected world. Citi GPS accesses the best elements of our global conversation and harvests the thought leadership of our research analysts and a wide range of senior professionals across our firm. About the Oxford Martin School The Oxford Martin School is a world-leading research department of the University of Oxford. Its 200 academics work across more than 30 pioneering research programmes to find solutions to the world's most urgent challenges. It supports novel and high-risk projects that often do not fit within conventional funding channels, with the belief that breaking boundaries and fostering innovative collaborations can dramatically improve the wellbeing of this and future generations. Underpinning all our research is the need to translate academic excellence into impact – from innovations in science, medicine and technology, through to providing expert advice and policy recommendations. Web: www.oxfordmartin.ox.ac.uk - Twitter: @oxmartinschool - Facebook: /oxfordmartinschool
Did you know?
Trading 100% below its estimated fair value of $230.68.
Current Price
$115.25
-0.04%GoodMoat Value
$230.68
100.2% undervaluedProfile
Valuation (TTM)
Market Cap$206.21B
P/E14.41
EV$565.98B
P/B0.97
Shares Out1.79B
P/Sales2.42
Revenue$85.22B
EV/EBITDA23.80
Citigroup Inc (C) Quality Analysis
GoodMoat Analysis
Citigroup's quality profile is unfavourable for a value investor, primarily due to weak returns on capital, negative free cash flow, and a highly leveraged balance sheet. While its operating margin is strong, the business fails to meet key quality thresholds for high returns and financial strength. Its competitive position is challenged, lacking clear moat advantages typical of leading financial institutions.
Read full analysis
Citigroup's quality assessment reveals significant weaknesses against the GoodMoat framework's benchmarks. While the operating margin of 23.3% is a positive indicator, other critical metrics are unfavourable. The Return on Equity (ROE) of 6.7% falls far below the high-quality threshold of 15-20%, indicating poor returns on shareholder capital. The Free Cash Flow (FCF) Yield is deeply negative at -36.2%, failing the requirement for positive, growing FCF with a margin above 10-15%. The balance sheet is a major concern, with a Debt/Equity ratio of 3.37, which is substantially higher than the favourable level of less than 1.0x Debt/EBITDA. Profitability, as measured by a 16.8% profit margin, is modest for a bank. Regarding competitive position (Moat Identification), Citigroup shows limited durable advantages. It lacks the high switching costs, proprietary data scale, or niche dominance seen in stronger peers. Its brand is global but does not confer a decisive pricing power advantage in a commoditized industry. Compared to high-quality banking peers, Citigroup's low ROE and high leverage signal a weaker operational and financial profile, requiring significant restructuring to improve capital efficiency. Analysis based on data as of 2024-05-15.
C Profitability
Profitability trend analysis coming soon
C Growth
Growth trend analysis coming soon
C Financial Health
Financial health indicators coming soon
C Quality & Fundamental Analysis
Citigroup Inc (C) is a Financial Services company in the Banks - Diversified industry, listed on NYSE. This quality analysis page evaluates Citigroup Inc's financial health using the Piotroski F-Score methodology, profitability ratios, growth trajectory, and balance sheet strength.
Citigroup Inc has a Piotroski F-Score of N/A out of 9, measuring profitability, leverage, and operating efficiency. The company operates with a profit margin of 16.79% and a return on equity (ROE) of 6.74%. Return on assets (ROA) stands at 0.54%.
The debt-to-equity ratio is 3.37, Operating margin is 23.27%.
GoodMoat's quality analysis uses AI-powered insights to evaluate whether Citigroup Inc is a fundamentally sound investment. The GoodMoat Verdict synthesizes profitability, growth, and financial health scores into a clear investment quality rating. Use these metrics alongside valuation tools like the DCF calculator and fair value models to make informed investment decisions.