Citigroup Inc

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C : NYSE : Financial
$65.95 -0.63 | -0.95%
Today's Range: 65.86 - 66.78
Avg. Daily Volume: 1.74117E7
08/21/17 - 4:01 PM ET

Financial Analysis


CITIGROUP INC's gross profit margin for the second quarter of its fiscal year 2017 is essentially unchanged when compared to the same period a year ago. Even though sales increased, the net income has decreased.

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

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Income Statement Q2 FY17 Q2 FY16
Net Sales ($mil)21937.020668.0
EBITDA ($mil)9019.08452.0
EBIT ($mil)8118.07584.0
Net Income ($mil)3872.03998.0


Balance Sheet Q2 FY17 Q2 FY16
Cash & Equiv. ($mil)356204.0318042.0
Total Assets ($mil)1864063.01818771.0
Total Debt ($mil)486831.0439462.0
Equity ($mil)230019.0231888.0


Profitability Q2 FY17 Q2 FY16
Gross Profit Margin41.1140.89
EBITDA Margin41.1140.89
Operating Margin37.0136.69
Sales Turnover0.050.05
Return on Assets0.820.83
Return on Equity6.196.13
Debt Q2 FY17 Q2 FY16
Current Ratio0.00.0
Debt/Capital0.680.65
Interest Expense2433.01814.0
Interest Coverage3.344.18


Share Data Q2 FY17 Q2 FY16
Shares outstanding (mil)2724.562905.37
Div / share0.160.05
EPS1.271.25
Book value / share84.4279.81
Institutional Own % n/a n/a
Avg Daily Volume1.7431704E71.7337522E7

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 22.11 for the Commercial Banks industry and a significant discount compared to the S&P 500 average of 24.23. Conducting a second comparison, its price-to-book ratio of 0.79 indicates a significant discount versus the S&P 500 average of 3.02 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 13.27 Peers 22.11   C 15.46 Peers 13.57

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.

 

Premium. 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 premium 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 11.17 Peers 13.55   C 1.27 Peers 1.49

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 0.79 Peers 1.25   C 5.68 Peers 8.05

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 2.14 Peers 2.73   C 0.60 Peers 4.99

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 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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