Citigroup Inc

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C : NYSE : Financial
$64.52 up 0.74 | 1.2%
Today's Range: 64.01 - 64.86
Avg. Daily Volume: 1.62773E7
06/27/17 - 2:44 PM ET

Financial Analysis


CITIGROUP INC's gross profit margin for the first quarter of its fiscal year 2017 is essentially unchanged when compared to the same period a year ago. The company has grown its sales and net income during the past quarter when compared with the same quarter a year ago, and although its growth in net income has outpaced the industry average, its revenue growth has not.

During the same period, stockholders' equity ("net worth") has remained unchanged from the same quarter last year.

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Income Statement Q1 FY17 Q1 FY16
Net Sales ($mil)21686.020675.0
EBITDA ($mil)9028.08302.0
EBIT ($mil)8132.07394.0
Net Income ($mil)4090.03501.0


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)356692.0317461.0
Total Assets ($mil)1821635.01800967.0
Total Debt ($mil)456525.0442612.0
Equity ($mil)228132.0227522.0


Profitability Q1 FY17 Q1 FY16
Gross Profit Margin41.6340.15
EBITDA Margin41.6340.15
Operating Margin37.535.76
Sales Turnover0.050.05
Return on Assets0.850.88
Return on Equity6.316.66
Debt Q1 FY17 Q1 FY16
Current Ratio0.00.0
Debt/Capital0.670.66
Interest Expense2151.01736.0
Interest Coverage3.784.26


Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)2753.262934.93
Div / share0.160.05
EPS1.361.11
Book value / share82.8677.52
Institutional Own % n/a n/a
Avg Daily Volume1.6206348E71.9145536E7

Valuation


BUY. CITIGROUP INC's P/E ratio indicates a significant discount compared to an average of 41.96 for the Commercial Banks industry and a significant discount compared to the S&P 500 average of 25.75. Conducting a second comparison, its price-to-book ratio of 0.77 indicates a significant discount versus the S&P 500 average of 3.09 and a discount versus the industry average of 1.25. The price-to-sales ratio is similar to the S&P 500 average, but it is significantly 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 12.72 Peers 41.96   C 3.47 Peers 13.73

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

C is trading at a significant 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 10.88 Peers 13.60   C 1.33 Peers 1.59

Average. An average price-to-projected earnings ratio can signify an industry neutral stock price and average future growth expectations.

C is trading at a valuation on par with its peers.

 

Discount. 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.

C trades at a discount to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
C 0.77 Peers 1.25   C -0.20 Peers 3.84

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 2.10 Peers 2.84   C -3.03 Peers 4.97

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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