0.34%
16.69%
28.00%
26.60%
46.23%
26.13%
10.38%
AI Spotlight on C
Company 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.The company operates in two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG).The GCB segment offers traditional banking services to retail customers through retail banking, Citi-branded cards, and Citi retail services.
It also provides various banking, credit card, lending, and investment services through a network of local branches, offices, and electronic delivery systems.The ICG segment offers wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime brokerage, derivative, equity and fixed income research, corporate lending, investment banking and advisory, private banking, cash management, trade finance, and securities services to corporate, institutional, public sector, and high-net-worth clients.As of December 31, 2020, it operated 2,303 branches primarily in the United States, Mexico, and Asia.
Citigroup Inc.was founded in 1812 and is headquartered in New York, New York.
Market Data
| Last Price | 82.14 |
| Change Percentage | 0.34% |
| Open | 81.69 |
| Previous Close | 81.86 |
| Market Cap ( Millions) | 154176 |
| Volume | 4178282 |
| Year High | 82.77 |
| Year Low | 52.24 |
| M A 50 | 72.73 |
| M A 200 | 64.92 |
Financial Ratios
| FCF Yield | -8.64% |
| Dividend Yield | 2.65% |
| ROE | 6.09% |
| Debt / Equity | 137.73% |
| Net Debt / EBIDTA | 919.04% |
| Price To Book | 0.74 |
| Price Earnings Ratio | 12.22 |
| Price To FCF | -11.57 |
| Price To sales | 1.97 |
| EV / EBITDA | 14.55 |
News
- Jan -28 - Microsoft Co. (NASDAQ:MSFT) Shares Sold by Makena Capital Management LLC
- Jan -27 - Citigroup wins appeal against military personnel over credit card rates
- Jan -27 - New Year, New Buybacks: 3 Big-Name Stocks Planning Repurchases
- Jan -24 - Citigroup: Progress Made, But Much Is Still To Be Done
- Jan -24 - Citigroup Announces Full Redemption of Series V Preferred Stock
- Jan -24 - Citigroup Announces Approximately €452 Million Redemption Of 4.25% Fixed Rate/Floating Rate Subordinated Notes Due 2030
- Jan -24 - Trump bashes CEOs of America's 2 biggest banks in front of Davos crowd
- Jan -23 - S&P 500 Misses New Closing High by 4 Points
- Jan -22 - KBRA Assigns Preliminary Ratings to Citigroup Mortgage Loan Trust 2025-1 (CMLTI 2025-1)
- Jan -22 - Citigroup Warns: Sanctions, Tight Supplies, and U.S. Policy to Drive Oil Prices Higher
- Jan -22 - Best Income Stocks to Buy for January 22nd
- Jan -22 - New Strong Buy Stocks for January 22nd
- Jan -22 - Banks Kick Q4 Earnings Season Off With A Bang As CEO Sentiment Improves
- Jan -21 - Judge Rules New York Lawsuit Against Citibank Can Proceed
- Jan -21 - Citigroup must face New York lawsuit over fraud scams
- Jan -21 - Citigroup (C) is a Great Momentum Stock: Should You Buy?
- Jan -21 - Citi: Corporates Pick Up ‘Gems of Companies' in Dealmaking Revival
- Jan -21 - Citigroup (C) Shows Fast-paced Momentum But Is Still a Bargain Stock
- Jan -21 - 3 Dividend Stocks Rewarding Investors With Buybacks
- Jan -20 - Citigroup Posts Q4 Results: How Should You Approach the Stock Now?
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> United States Personal Banking
Expected Growth : 5 %
What the company do ?
Citigroup's United States Personal Banking provides consumer banking services, including checking and savings accounts, credit cards, personal loans, and mortgages to individuals in the US.
Why we expect these perspectives ?
Citigroup's US Personal Banking growth is driven by increasing consumer spending, low unemployment rates, and rising wages. Additionally, the segment benefits from Citi's strong brand recognition, extensive branch network, and digital banking capabilities. Furthermore, the growth is fueled by the bank's focus on cross-selling and upselling its products, such as credit cards and mortgages, to its existing customer base.
Segment n°2 -> Markets
Expected Growth : 4 %
What the company do ?
Markets from Citigroup Inc. refers to the institutional clients group that provides sales, trading, and research services to corporations, governments, and institutional investors.
Why we expect these perspectives ?
Citigroup Inc.'s 4% market growth is driven by increasing consumer spending, low unemployment rates, and a strong housing market. Additionally, the company's strategic expansion into digital banking and investment in technology have improved operational efficiency, leading to increased revenue and market share.
Segment n°3 -> Services
Expected Growth : 3 %
What the company do ?
Citigroup Inc. offers a range of financial services including consumer banking, corporate banking, investment banking, and wealth management, serving individuals, corporations, and governments globally.
Why we expect these perspectives ?
Citigroup's 3% growth in services is driven by increasing demand for digital payment solutions, expansion of its institutional clients business, and growth in trade finance and cash management services. Additionally, the company's investments in digital transformation, strategic partnerships, and cost savings initiatives have also contributed to this growth.
Segment n°4 -> All Other
Expected Growth : 2 %
What the company do ?
All Other from Citigroup Inc. refers to the residual segment that includes Citi Holdings, CitiMortgage, and other smaller businesses.
Why we expect these perspectives ?
Citigroup's 'All Other' segment growth is driven by expansion in its investment portfolio, increased treasury services, and growth in its legacy assets. Additionally, the segment benefits from the company's cost savings initiatives, improved operational efficiency, and a favorable interest rate environment, contributing to its 2% growth.
Segment n°5 -> Wealth
Expected Growth : 4 %
What the company do ?
Wealth from Citigroup Inc. refers to the company's wealth management segment, which provides investment products and services to individuals and institutions.
Why we expect these perspectives ?
Citigroup's 4% growth is driven by increasing consumer spending, rising interest rates, and a strong investment banking division. The company's diversified revenue streams, including credit cards, mortgages, and corporate lending, also contribute to its growth. Additionally, Citigroup's cost-cutting initiatives and digital transformation efforts have improved operational efficiency, further supporting its growth momentum.
Segment n°6 -> Banking
Expected Growth : 5 %
What the company do ?
Citigroup Inc.'s Banking segment provides traditional banking services to consumers, corporations, governments, and institutions, offering deposit, lending, and investment products.
Why we expect these perspectives ?
Citigroup's 5% growth in banking is driven by increasing consumer spending, low unemployment rates, and a growing global economy. Additionally, the bank's strategic expansion into digital banking, investments in technology, and cost-cutting initiatives have improved operational efficiency, contributing to the growth.
Segment n°7 -> Reconciling Items
Expected Growth : 3 %
What the company do ?
Reconciling items from Citigroup Inc. refer to the differences between the company's internal financial records and the bank statements, requiring investigation and resolution.
Why we expect these perspectives ?
Citigroup's 3% growth is driven by increasing consumer spending, fueled by low unemployment and rising wages. Additionally, the bank's strategic expansion into digital banking and investments in technology have improved operational efficiency, leading to higher revenue. Furthermore, a favorable interest rate environment has boosted net interest income, contributing to the company's growth.
Citigroup Inc. Products
| Product Range | What is it ? |
|---|---|
| Consumer Banking | Provides traditional banking services to individuals, including checking and savings accounts, credit cards, personal loans, and mortgages. |
| Institutional Clients Group (ICG) | Offers corporate and investment banking services to large corporations, governments, and institutional investors. |
| Corporate and Investment Banking | Provides advisory services, capital markets, and transaction services to corporate clients. |
| Markets and Securities | Offers sales, trading, and research services to institutional clients across various asset classes. |
| Treasury and Trade Solutions (TTS) | Provides cash management, trade finance, and securities services to corporations and financial institutions. |
| Commercial Banking | Offers financial solutions to mid-sized companies, including cash management, lending, and trade finance. |
| Citi Branded Cards | Issues credit cards and provides payment solutions to consumers and businesses. |
| Citi Retail Services | Provides private label and co-brand credit cards to retailers and their customers. |
Citigroup Inc.'s Porter Forces
Threat Of Substitutes
Citigroup Inc. operates in a highly competitive industry, and customers have various alternatives to choose from. However, the switching costs for customers are relatively high, which reduces the threat of substitutes.
Bargaining Power Of Customers
Citigroup Inc. has a large customer base, which reduces the bargaining power of individual customers. Additionally, the company's diversified product offerings and global presence reduce the dependence on individual customers.
Bargaining Power Of Suppliers
Citigroup Inc. is a large financial institution with a significant market presence, which reduces the bargaining power of its suppliers. The company's suppliers are often smaller entities that rely on Citigroup's business, giving the company an upper hand in negotiations.
Threat Of New Entrants
The financial services industry is heavily regulated, and new entrants face significant barriers to entry, including high capital requirements and complex regulatory hurdles. This reduces the threat of new entrants for Citigroup Inc.
Intensity Of Rivalry
The financial services industry is highly competitive, with many established players competing for market share. Citigroup Inc. faces intense competition from other large financial institutions, which increases the intensity of rivalry.
Strength
Weaknesses
Opportunities
Threats
Capital Structure
| Value | |
|---|---|
| Debt Weight | 74.21% |
| Debt Cost | 3.98% |
| Equity Weight | 25.79% |
| Equity Cost | 11.37% |
| WACC | 5.88% |
| Leverage | 287.81% |
Citigroup Inc. : Quality Control
Citigroup Inc. passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| EWBC | East West Bancorp, Inc. operates as the bank holding company for East West Bank that provides a range of personal and commercial banking services to businesses and individuals. It operates … |
| JPM | JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through four segments: Consumer & Community Banking (CCB), Corporate & Investment Bank (CIB), Commercial Banking (CB), and … |
| WFC | Wells Fargo & Company, a diversified financial services company, provides banking, investment, mortgage, and consumer and commercial finance products and services in the United States and internationally. It operates through … |
| TFC | Truist Financial Corporation, a holding company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through three segments: Consumer Banking and Wealth, Corporate and … |
| BAC | Bank of America Corporation, through its subsidiaries, provides banking and financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. Its Consumer … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Truist
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JPMorgan Chase
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East West Bank
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Wells Fargo
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Citigroup
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