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Earnings transcript
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C
Citigroup Inc.
$115.24
-0.06
(-0.05%)
| Exchange: | NYSE |
| Market Cap: | 201.592B |
| Shares Outstanding: | 45.9M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Diversified | |||||
| CEO: | Jane Nind Fraser | |||||
| Full Time Employees: | 229000 | |||||
| Address: |
| |||||
| Website: | https://www.citigroup.com |
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. The company operates in two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, Citi-branded cards, and Citi retail services. It also provides various banking, credit card, lending, and investment services through a network of local branches, offices, and electronic delivery systems. The ICG segment offers wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime brokerage, derivative, equity and fixed income research, corporate lending, investment banking and advisory, private banking, cash management, trade finance, and securities services to corporate, institutional, public sector, and high-net-worth clients. As of December 31, 2020, it operated 2,303 branches primarily in the United States, Mexico, and Asia. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login ā it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 155,382,000 | 170,707,000 | 168,302,000 |
| Gross Profit | 67,901,000 | 71,120,000 | 74,980,000 |
| EBITDA | 17,470,000 | 21,357,000 | 23,098,000 |
| Operating Income | 12,910,000 | 17,046,000 | 19,828,000 |
| Net Income | 9,228,000 | 12,682,000 | 14,268,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 2,411,834,000 | 2,352,945,000 | 2,657,202,000 |
| Total Liabilities | 2,205,583,000 | 2,143,579,000 | 2,443,380,000 |
| Total Stockholders Equity | 205,453,000 | 208,598,000 | 212,291,000 |
| Total Debt | 602,183,000 | 590,560,000 | 715,803,000 |
| Cash and Cash Equivalents | 260,932,000 | 276,532,000 | 349,579,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | -73,416,000 | -19,669,000 | -67,632,000 |
| Capital Expenditure | -6,583,000 | -6,500,000 | 0 |
| Free Cash Flow | -79,999,000 | -26,169,000 | -67,632,000 |
| Net Income | 9,229,000 | 12,684,000 | 14,268,000 |
| Net Change in Cash | -81,093,000 | 15,600,000 | 0 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 102,686,024.036 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 106,591,057.401 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 104,623,000 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 20,506,985.363 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 21,286,842.824 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 20,893,810.523 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 31,992,762.657 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 33,583,404.432 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 32,781,760.017 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 25,125,606.514 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 26,081,104.914 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 25,599,553.152 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 17.600 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 18.030 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 17.180 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 6 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 6 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login ā it's freeForward P/E Ratios
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Login ā it's freeSWOT Analysis
Strengths (preview)
- Robust Financial Performance: Stock C demonstrates consistent revenue growth and positive net income trends over recent periods, as evidenced by income statement data. Strong operating cash flow and free cash flow figures from the cash flow statements further indicate operational efficiency and financial health.
- Favorable Valuation Metrics: The current price-to-earnings (P/E) ratio and forward P/E estimates from the key metrics and forward P/E ratios suggest that Stock C is reasonably valued compared to industry averages, potentially indicating an attractive investment relative to peers in the sector.
- Strong Market Position: Insights from the company profile and revenue product segments highlight Stock Cās significant market cap and diversified revenue streams across product categories, positioning it as a key player within its industry and sector.
- Positive Earnings Call Feedback: The latest earnings call transcript reveals that Stock C exceeded analyst expectations for the quarter, with management highlighting successful operational strategies and improved margins, reinforcing investor confidence.
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Intrinsic Value Calculator
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Common questions about C valuation
Is Citigroup Inc. (C) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Citigroup Inc. (C) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is C a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word ābuyā or āsellā calls. Instead, it shows whether C trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is Cās P/E ratio?
You can see Cās trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for C?
MARKETSnap uses its own valuation frameworkānot a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnapās methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is C a good long-term investment?
Whether C fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
C
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
-0.05
Trading Metrics:
| Open: | 112.32 | Previous Close: | 115.3 | |
| Day Low: | 111.75 | Day High: | 115.61 | |
| Year Low: | 55.51 | Year High: | 125.16 | |
| Price Avg 50: | 112.79 | Price Avg 200: | 102.95 | |
| Volume: | 6.277M | Average Volume: | 15.356M |
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YouTube Video Transcript: Comprehensive Stock Analysis of Citigroup Inc. (C) --- **** Hey everyone, welcome back to the channel! Iām thrilled to dive into another deep-dive stock analysis with you today. If youāre passionate about investing and want to uncover the hidden gemsāor pitfallsāof the stock market, youāre in the right place. Today, weāre taking a close look at Citigroup Inc., ticker symbol C, one of the giants in the financial services world. Weāll break down everything from their financialsā¦
