Citigroup Inc. (C) Stock

Citigroup Inc. trades at a P/E ratio of 13.33, which is below the market average of approximately 20. This lower valuation could indicate the market has modest growth expectations, or it might represent an undervalued opportunity if the fundamentals are strong. Looking ahead, the forward P/E of 11.48 is lower than the current P/E, indicating analysts expect earnings to grow over the next year. The PEG ratio of 1.25 indicates reasonable value when growth is considered.

With a beta of 1.31, Citigroup Inc. is roughly as volatile as the market, moving in line with broad market trends. This moderate beta suggests the stock offers market-level returns without excessive volatility. The price-to-book ratio of 0.81 indicates the stock trades below its accounting value, which could signal value or distress.

Citigroup Inc. achieves a profit margin of 18.60%, meaning it retains $18.60 from every $100 in revenue after all expenses. This is an impressive margin, indicating strong pricing power and efficient cost management that allows the company to generate substantial profits. The operating margin of 28.70% reveals how efficiently the company runs its core business operations before interest and taxes. With ROE at 6.44% and ROA at 0.54%, the company achieves moderate returns on invested capital.

Citigroup Inc.'s revenue grew by 2.50% year-over-year, showing steady progress in growing the business. This positive trajectory indicates the company maintains competitive positioning in its markets. Earnings increased by 24.60% year-over-year, outpacing revenue growth through improved margins. These growth metrics should be evaluated against NATIONAL COMMERCIAL BANKS industry averages for proper context.

Citigroup Inc. offers a dividend yield of 2.65%, paying $2.21 per share annually. This above-average yield of 2-4% provides meaningful income while still allowing the company to reinvest for growth. It compares favorably to the S&P 500 average and offers competitive returns versus bonds in the current rate environment. To receive the next dividend, shares must be purchased before the ex-dividend date of 5/5/2025.

The dividend sustainability can be assessed through the payout ratio - Citigroup Inc. pays $2.21 per share in dividends against earnings of $6.33 per share, resulting in a payout ratio of 34.91%. This balanced payout between 30-60% suggests a sustainable dividend policy that allows both shareholder returns and business reinvestment. The dividend appears well-covered by earnings. The next dividend payment is scheduled for 5/23/2025.

Citigroup Inc. has a market capitalization of $157.60B, classifying it as a large-cap stock ($10B-$200B). Large-caps are typically industry leaders with established business models, offering a balance of stability and growth potential. They often provide dividend income and are core holdings in institutional portfolios. With 1.87B shares outstanding, the company's ownership is widely distributed. As a major player in the NATIONAL COMMERCIAL BANKS industry, it competes with other firms in this sector.

Citigroup Inc.'s book value per share is $103.90, while the current stock price is $96.08, resulting in a price-to-book (P/B) ratio of 0.92. Trading below book value can indicate the market perceives challenges ahead, or it might represent a value opportunity if the assets are quality and earnings can recover. Value investors often screen for P/B ratios below 1.0. As a common stock, this represents equity ownership with voting rights.

22 analysts cover C with 73% recommending buy/strong buy ratings. Analyst predictions have mixed reliability - studies show consensus rarely beats market returns consistently. The strong bullish consensus may already be priced in. The consensus target of $86.24 implies -10.2% downside, but targets are often adjusted to follow price moves rather than predict them.

Current analyst recommendations:6 Strong Buy, 10 Buy, 6 Hold, 00The bullish tilt suggests optimism about future prospects, though investors should conduct independent research.Remember that analyst opinions often lag price movements and can be influenced by investment banking relationships.

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