C Citigroup Inc. - Fundamental Analysis
NEUTRAL
C Stock | Fundamental Analysis & Investment Insights
NYSE
•
Financial Services
•
Banks - Diversified
Current Price
$118.7
Analyst Target
$118.62
-0.1% Downside
52W High
$122.84
52W Low
$55.51
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
Citigroup's financial health is concerning with a weak Piotroski F-Score of 2/9, signaling poor operational and balance sheet quality, despite an extremely high Altman Z-Score indicating no near-term bankruptcy risk. The stock appears reasonably valued with a forward P/E below sector average and trades near analyst target, supported by strong recent earnings growth and a solid dividend yield. However, deteriorating technical trends, negative insider activity, and subpar profitability metrics like low ROE and ROA constrain upside potential. Mixed signals between robust earnings momentum and structural weaknesses in capital efficiency create a balanced outlook.
Key Strengths
Exceptionally high Altman Z-Score (>337 billion) indicates negligible short-term distress risk
Strong year-over-year earnings growth of 23.2% and revenue growth of 11.6%
Attractive dividend yield of 2.02% with a sustainable 32% payout ratio
Stock trades below its Graham Number ($131.78) and intrinsic value estimate ($210.04), suggesting margin of safety
Analyst consensus recommendation is 'buy' with 21 analysts covering
Key Risks
Very low Piotroski F-Score of 2/9 indicates weak financial health across profitability, leverage, and operating efficiency
Declining ROE (7.00%) and ROA (0.58%) well below sector averages (25.76% and ~1.5%+ respectively)
Bearish technical trend score of 10/100 suggests weakening price momentum near 52-week high
Insider selling activity over the past 6 months signals lack of confidence from insiders
Missing key financial data (debt/equity, cash/debt, EV, shares outstanding) raises transparency concerns
AI Fair Value Estimate
Based on comprehensive analysis
$131.78
+11.0% above current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare C against industry averages and similar companies
Insider Trading & Analyst Ratings
Track insider transactions and Wall Street analyst recommendations