Citigroup Inc
C : NYSE : Financial

$26.00 -1.02 | -3.78%
Today's Range: 25.98 - 26.61
Avg. Daily Volume: 43,130,500
05/30/12 - 4:00 PM ET
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Financial Analysis


CITIGROUP INC's gross profit margin for the first quarter of its fiscal year 2012 is essentially unchanged when compared to the same period a year ago. Sales and net income have dropped, however the growth has outpaced the average competitor within the industry.

During the same period, stockholders' equity ("net worth") has increased by 6.30% from the same quarter last year.



Income Statement Q1 FY12 Q1 FY11
Net Sales ($mil)24996.025779.0
EBITDA ($mil)8374.08926.0
EBIT ($mil)7636.08255.0
Net Income ($mil)2931.02999.0


Balance Sheet Q1 FY12 Q1 FY11
Cash & Equiv. ($mil)552307.0526262.0
Total Assets ($mil)1944423.01947815.0
Total Debt ($mil)674900.0729253.0
Equity ($mil)181820.0171037.0


Profitability Q1 FY12 Q1 FY11
Gross Profit Margin33.534.63
EBITDA Margin33.534.63
Operating Margin30.5532.02
Sales Turnover0.050.05
Return on Assets0.570.47
Return on Equity6.05.47
Debt Q1 FY12 Q1 FY11
Current Ratio0.00.0
Debt/Capital0.790.81
Interest Expense3568.04039.0
Interest Coverage2.142.04


Share Data Q1 FY12 Q1 FY11
Shares outstanding (mil)2932.162920.64
Div / share0.010.0
EPS0.961.0
Book value / share62.0158.56
Institutional Own % n/a n/a
Avg Daily Volume4.3062328E75.1165928E7

Valuation


HOLD. This stock's P/E ratio indicates a discount compared to an average of 8.79 for the Diversified Financial Services industry and a discount compared to the S&P 500 average of 15.19. For additional comparison, its price-to-book ratio of 0.43 indicates a significant discount versus the S&P 500 average of 2.12 and a significant discount versus the industry average of 2.73. The price-to-sales ratio is below the S&P 500 average and is well below the industry average, indicating a discount. Upon assessment of these and other key valuation criteria, CITIGROUP INC proves to trade at a discount to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
C 7.47 Peers 8.79   C 1.50 Peers 2.78

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

C is trading at a discount to its peers.

 

Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

C is trading at a significant discount to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
C 5.62 Peers 9.23   C NA Peers 0.45

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

C is trading at a significant discount to its peers.

 

Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

Ratio not available.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
C 0.43 Peers 2.73   C 15.16 Peers 24.60

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

C is trading at a significant discount to its peers.

 

Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, C is expected to significantly trail its peers on the basis of its earnings growth rate.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
C 0.77 Peers 1.35   C -3.70 Peers 1.43

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

C is trading at a significant discount to its industry on this measurement.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

C significantly trails its peers on the basis of sales growth

 

 

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