CiT Valuation

CINT Stock  USD 5.04  0.09  1.82%   
At this time, the firm appears to be undervalued. CiT Inc shows a prevailing Real Value of $5.89 per share. The current price of the firm is $5.04. Our model approximates the value of CiT Inc from analyzing the firm fundamentals such as profit margin of 0.08 %, and Return On Equity of 0.12 as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting CiT's valuation include:
Price Book
2.1137
Enterprise Value
747 M
Enterprise Value Ebitda
8.8636
Price Sales
1.3733
Forward PE
21.8818
Undervalued
Today
5.04
Please note that CiT's price fluctuation is slightly risky at this time. Calculation of the real value of CiT Inc is based on 3 months time horizon. Increasing CiT's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
CiT's intrinsic value may or may not be the same as its current market price of 5.04, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  5.04 Real  5.89 Target  7.33 Hype  5.03 Naive  4.89
The intrinsic value of CiT's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence CiT's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
5.89
Real Value
8.77
Upside
Estimating the potential upside or downside of CiT Inc helps investors to forecast how CiT stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of CiT more accurately as focusing exclusively on CiT's fundamentals will not take into account other important factors:
Earnings
Estimates
LowProjectedHigh
0.450.460.49
Details
Hype
Prediction
LowEstimatedHigh
2.155.037.91
Details
Naive
Forecast
LowNext ValueHigh
2.024.897.77
Details
11 Analysts
Consensus
LowTarget PriceHigh
6.677.338.13
Details
Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use CiT's intrinsic value based on its ongoing forecasts of CiT's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against CiT's closest peers.

CiT Cash

56.66 Million

CiT Total Value Analysis

CiT Inc is currently estimated to have valuation of 746.99 M with market capitalization of 642.59 M, debt of 148.23 M, and cash on hands of 357.49 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the CiT fundamentals before making equity appraisal based on enterprise value of the company
  Takeover PriceMarket CapDebt ObligationsCash
746.99 M
642.59 M
148.23 M
357.49 M

CiT Investor Information

About 39.0% of the company shares are held by institutions such as insurance companies. The book value of CiT was currently reported as 2.35. The company had not issued any dividends in recent years. Based on the key indicators related to CiT's liquidity, profitability, solvency, and operating efficiency, CiT Inc is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in March.
Current ValueLast YearChange From Last Year 10 Year Trend
Operating Profit Margin0.0960.11
Fairly Down
Slightly volatile
Total Cash From Operating Activities55.8 M79.3 M
Way Down
Slightly volatile
Operating Income86.6 M63.9 M
Significantly Up
Slightly volatile

CiT Asset Utilization

The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. CiT has an asset utilization ratio of 83.39 percent. This implies that the Company is making $0.83 for each dollar of assets. An increasing asset utilization means that CiT Inc is more efficient with each dollar of assets it utilizes for everyday operations.
 
Covid
 
Interest Hikes

CiT Profitability Analysis

Based on CiT's profitability indicators, CiT Inc may not be well positioned to generate adequate gross income at the present time. It has a very high chance of underperforming in March. Profitability indicators assess CiT's ability to earn profits and add value for shareholders.
 
Net Income  
First Reported
2020-03-31
Previous Quarter
9.7 M
Current Value
47.2 M
Quarterly Volatility
21.5 M
 
Covid
 
Interest Hikes
Gross Profit is likely to gain to about 213.2 M in 2026, whereas Pretax Profit Margin is likely to drop 0.08 in 2026.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.250.31
Significantly Down
Slightly volatile
Net Profit Margin0.05410.0605
Moderately Down
Slightly volatile
Operating Profit Margin0.0960.11
Fairly Down
Slightly volatile
Pretax Profit Margin0.080.0897
Fairly Down
Slightly volatile
Return On Assets0.04790.0504
Notably Down
Very volatile
Return On Equity0.090.0948
Notably Down
Very volatile
For CiT profitability analysis, we use financial ratios and fundamental drivers that measure the ability of CiT Inc to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well CiT utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between CiT's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of CiT over time as well as its relative position and ranking within its peers.

CiT Earnings per Share Projection vs Actual

The next projected EPS of CiT is estimated to be 0.464075 with future projections ranging from a low of 0.44925 to a high of 0.48975. CiT's most recent 12-month trailing earnings per share (EPS TTM) is at 0.27. Please be aware that the consensus of earnings estimates for CiT Inc is based on EPS before non-recurring items and includes expenses related to employee stock options.
 
Covid
 
Interest Hikes
CiT is projected to generate 0.464075 in earnings per share on the 31st of December 2025. CiT earnings estimates show analyst consensus about projected CiT EPS (Earning Per Share). It derives the highest and the lowest estimates based on CiT's historical volatility. Many public companies, such as CiT, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm.

CiT Earnings Estimation Breakdown

The calculation of CiT's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of CiT is estimated to be 0.464075 with the future projection ranging from a low of 0.44925 to a high of 0.48975. Please be aware that this consensus of annual earnings estimates for CiT Inc is based on EPS before non-recurring items and includes expenses related to employee stock options.
Last Reported EPS
0.48
0.45
Lowest
Expected EPS
0.464075
0.49
Highest

CiT Earnings Projection Consensus

Suppose the current estimates of CiT's value are higher than the current market price of the CiT stock. In this case, investors may conclude that CiT is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and CiT's stock will quickly adjusts to the new information provided by the consensus estimate.
Number of AnalystsHistorical AccuracyLast Reported EPSEstimated EPS for 31st of December 2025Current EPS (TTM)
1075.98%
0.4766
0.464075
0.27

CiT Ownership Allocation

CiT holds a total of 18.32 Million outstanding shares. 30% of CiT Inc outstanding shares are owned by other corporate entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.

CiT Profitability Analysis

The company reported the previous year's revenue of 438.96 M. Net Income was 29.49 M with profit before overhead, payroll, taxes, and interest of 153.16 M.

About CiT Valuation

The stock valuation mechanism determines CiT's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of CiT Inc based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of CiT. We calculate exposure to CiT's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of CiT's related companies.
Last ReportedProjected for Next Year
Gross Profit172.8 M213.2 M
Pretax Profit Margin 0.09  0.08 
Operating Profit Margin 0.11  0.10 
Net Profit Margin 0.06  0.05 
Gross Profit Margin 0.31  0.25 

CiT Quarterly Retained Earnings

659.75 Million

CiT Growth Indicators

Investing in growth stocks can be very risky. If the company such as CiT does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
Common Stock Shares Outstanding137.1 M
Quarterly Earnings Growth Y O Y0.789
Forward Price Earnings21.8818

CiT Current Valuation Indicators

CiT's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final CiT's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as CiT, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use CiT's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes CiT's worth.

Additional Tools for CiT Stock Analysis

When running CiT's price analysis, check to measure CiT'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 CiT is operating at the current time. Most of CiT's value examination focuses on studying past and present price action to predict the probability of CiT's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CiT's price. Additionally, you may evaluate how the addition of CiT to your portfolios can decrease your overall portfolio volatility.