-1.02 | -3.78%
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 ($mil) | 24996.0 | 25779.0 |
| EBITDA ($mil) | 8374.0 | 8926.0 |
| EBIT ($mil) | 7636.0 | 8255.0 |
| Net Income ($mil) | 2931.0 | 2999.0 |
| Balance Sheet | Q1 FY12 | Q1 FY11 |
|---|---|---|
| Cash & Equiv. ($mil) | 552307.0 | 526262.0 |
| Total Assets ($mil) | 1944423.0 | 1947815.0 |
| Total Debt ($mil) | 674900.0 | 729253.0 |
| Equity ($mil) | 181820.0 | 171037.0 |
| Profitability | Q1 FY12 | Q1 FY11 |
|---|---|---|
| Gross Profit Margin | 33.5 | 34.63 |
| EBITDA Margin | 33.5 | 34.63 |
| Operating Margin | 30.55 | 32.02 |
| Sales Turnover | 0.05 | 0.05 |
| Return on Assets | 0.57 | 0.47 |
| Return on Equity | 6.0 | 5.47 |
| Debt | Q1 FY12 | Q1 FY11 |
|---|---|---|
| Current Ratio | 0.0 | 0.0 |
| Debt/Capital | 0.79 | 0.81 |
| Interest Expense | 3568.0 | 4039.0 |
| Interest Coverage | 2.14 | 2.04 |
| Share Data | Q1 FY12 | Q1 FY11 |
|---|---|---|
| Shares outstanding (mil) | 2932.16 | 2920.64 |
| Div / share | 0.01 | 0.0 |
| EPS | 0.96 | 1.0 |
| Book value / share | 62.01 | 58.56 |
| Institutional Own % | n/a | n/a |
| Avg Daily Volume | 4.3062328E7 | 5.1165928E7 |
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 |
|
Price/Cash Flow |
| |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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. |
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| Price/Projected Earnings |
|
Price to Earnings/Growth |
|
|||||||||||||||||||||
| 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. |
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| Price/Book |
|
Earnings Growth |
|
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| 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. |
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| Price/Sales |
|
Sales Growth |
|
|||||||||||||||||||||
| 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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