Citigroup Financials

C Stock  USD 69.21  0.93  1.36%   
Based on the analysis of Citigroup's profitability, liquidity, and operating efficiency, Citigroup is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December. At present, Citigroup's Net Debt is projected to decrease significantly based on the last few years of reporting. The current year's Retained Earnings is expected to grow to about 208.9 B, whereas Common Stock Shares Outstanding is forecasted to decline to about 1.3 B. Key indicators impacting Citigroup's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio2.231.5774
Significantly Up
Very volatile
Operating Income14.7 B28.5 B
Way Down
Slightly volatile
Current Ratio2.392.52
Notably Down
Slightly volatile
Investors should never underestimate Citigroup's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Citigroup's cash flow, debt, and profitability to make informed and accurate decisions about investing in Citigroup.

Net Income

8.38 Billion

  
Understanding current and past Citigroup Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Citigroup's financial statements are interrelated, with each one affecting the others. For example, an increase in Citigroup's assets may result in an increase in income on the income statement.
Please note, the presentation of Citigroup's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Citigroup's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Citigroup's management manipulating its earnings.

Citigroup Stock Summary

Citigroup competes with Wells Fargo, Toronto Dominion, Royal Bank, JPMorgan Chase, and Nu Holdings. 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. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York. Citigroup operates under BanksDiversified classification in the United States and is traded on New York Stock Exchange. It employs 238000 people.
Foreign Associates
Specialization
Financial Services, Banks - Diversified
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS1729674242
CUSIP172967424 172967101 894190107
LocationNew York; U.S.A
Business Address388 Greenwich Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.citigroup.com
Phone212 559 1000
CurrencyUSD - US Dollar

Citigroup Key Financial Ratios

Citigroup Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets2.0T2.3T2.3T2.4T2.4T1.4T
Net Debt99.9B(8.4B)33.7B(6.3B)63.1B123.5B
Retained Earnings165.4B168.6B184.9B194.7B198.9B208.9B
Cash193.9B309.6B248.6B325.0B260.9B274.0B
Other Assets765.5B721.5B816.0B1.0T387.5B637.2B
Net Receivables39.9B44.8B54.8B54.5B54.2B34.5B
Total Liab1.8T2.1T2.1T2.2T2.2T1.3T
Total Current Assets514.0B689.5B248.6B325.0B241.9B273.6B
Short Term Debt45.0B29.5B28.0B47.1B37.5B47.0B
Other Current Liab(93.7B)(80.0B)(89.4B)(116.3B)(101.0B)(95.9B)
Other Liab54.6B59.9B74.9B84.8B76.3B106.6B
Accounts Payable48.6B50.5B61.4B69.2B63.5B61.1B
Long Term Debt368.7B439.7B254.4B271.6B286.6B318.9B
Inventory(761.3B)(1.0T)(1.0T)(1.2T)(1.1T)(1.1T)
Treasury Stock(44.4B)(61.7B)(64.1B)(71.2B)(64.1B)(60.9B)
Good Will22.1B22.2B21.3B19.7B20.1B20.6B
Intangible Assets4.8B4.7B4.5B4.4B4.4B4.2B
Net Tangible Assets148.3B153.1B157.6B158.7B182.6B172.2B
Long Term Debt Total368.7B439.7B254.4B271.6B244.4B299.6B
Capital Surpluse107.8B107.8B108.0B108.5B124.7B117.1B

Citigroup Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense29.2B13.3B8.0B25.7B78.4B82.3B
Operating Income23.9B13.6B27.5B18.8B28.5B14.7B
Ebit16.1B5.8B27.5B18.8B12.9B10.1B
Ebitda20.0B9.7B31.4B23.1B17.5B12.6B
Income Before Tax23.9B13.6B27.5B18.8B12.9B12.0B
Net Income19.4B11.0B22.0B14.8B9.2B8.4B
Income Tax Expense4.4B2.5B5.5B3.6B3.5B3.7B
Total Revenue66.8B59.6B75.0B70.6B70.7B61.6B
Gross Profit66.8B25.0B36.1B29.4B25.6B37.8B
Cost Of Revenue33.4B34.6B38.9B41.1B45.1B35.1B
Minority Interest66M40M(73M)(89M)(153M)(145.4M)
Extraordinary Items(4M)(20M)7M(231M)(207.9M)(218.3M)
Tax Provision4.4B2.6B5.5B3.6B3.5B6.1B
Net Interest Income47.3B43.5B42.5B48.7B54.9B51.2B
Interest Income76.5B58.1B50.5B74.4B133.3B78.3B

Citigroup Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash5.8B115.7B(47.6B)80.0B(81.1B)(77.0B)
Free Cash Flow(18.2B)(24.1B)57.1B19.4B(80.0B)(76.0B)
Depreciation3.9B3.9B4.0B4.3B4.6B2.7B
Other Non Cash Items17.0B4.1B(1.3B)(12.7B)14.6B15.3B
Dividends Paid5.4B5.4B5.2B5.0B5.2B3.4B
Capital Expenditures5.3B3.4B4.1B5.6B6.6B6.9B
Net Income19.4B11.1B21.9B15.1B9.2B9.1B
End Period Cash Flow193.9B309.6B262.0B342.0B260.9B274.0B
Investments(18.5B)(92.0B)(122.9B)(79.5B)(8.5B)(8.9B)
Net Borrowings9.4B30.7B(14.1B)77.9B89.6B94.1B
Change To Netincome(32.2B)(31.7B)(2.2B)4.3B3.9B6.4B

Citigroup Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Citigroup's current stock value. Our valuation model uses many indicators to compare Citigroup value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Citigroup competition to find correlations between indicators driving Citigroup's intrinsic value. More Info.
Citigroup is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Citigroup is roughly  11.38 . At present, Citigroup's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Citigroup's earnings, one of the primary drivers of an investment's value.

Citigroup Systematic Risk

Citigroup's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Citigroup volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty-four with a total number of output elements of thirty-seven. The Beta measures systematic risk based on how returns on Citigroup correlated with the market. If Beta is less than 0 Citigroup generally moves in the opposite direction as compared to the market. If Citigroup Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Citigroup is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Citigroup is generally in the same direction as the market. If Beta > 1 Citigroup moves generally in the same direction as, but more than the movement of the benchmark.

Citigroup Thematic Clasifications

Citigroup is part of several thematic ideas from Investor Favorites to Warren Buffett Holdings. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in Citigroup Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Citigroup's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Citigroup growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.24)

At present, Citigroup's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Citigroup November 21, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Citigroup help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Citigroup. We use our internally-developed statistical techniques to arrive at the intrinsic value of Citigroup based on widely used predictive technical indicators. In general, we focus on analyzing Citigroup Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Citigroup's daily price indicators and compare them against related drivers.

Complementary Tools for Citigroup Stock analysis

When running Citigroup's price analysis, check to measure Citigroup's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citigroup is operating at the current time. Most of Citigroup's value examination focuses on studying past and present price action to predict the probability of Citigroup's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citigroup's price. Additionally, you may evaluate how the addition of Citigroup to your portfolios can decrease your overall portfolio volatility.
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