Citigroup Stock Financials

C -  USA Stock  

USD 54.09  1.39  2.64%

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. Because of this, it is necessary to analyze all of Citigroup's financials over time to get the whole picture.
Citigroup Average Assets are projected to increase significantly based on the last few years of reporting. The past year's Average Assets were at 2.32 Trillion. The current year Average Equity is expected to grow to about 223.7 B, whereas Net Income Per Employee is forecasted to decline to about 45.7 K.
Use fundamental data analysis to double-check all available reported financial drivers of Citigroup to find out if markets are presently mispricing the company. We were able to break down thirty-three available fundamental indicators for Citigroup, which can be compared to its rivals. To make sure the equity is not overpriced, please confirm all Citigroup financials, including its gross profit, cash per share, and the relationship between the price to sales and net income . Given that Citigroup has a number of shares shorted of 47.85 M, we suggest you to validate Citigroup prevailing market performance to make sure the company can sustain itself down the road. Use Citigroup to enhance returns of your portfolios. The stock experiences an unexpected upward trend. Watch out for market signals. Check odds of Citigroup to be traded at $64.91 in 90 days.
  
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With this module, you can analyze Citigroup financials for your investing period. You should be able to track the changes in Citigroup individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.
The fundamental analysis of Citigroup is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Citigroup includes many different criteria found on its balance sheet. For example, investors should never minimize Citigroup's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Citigroup's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Citigroup.

Citigroup Cash

Chance Of Financial Distress
Over 51
Citigroup has more than 51 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for Citigroup stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity. More Info
The data published in Citigroup's official financial statements usually reflect Citigroup's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Citigroup. For example, before you start analyzing numbers published by Citigroup accountants, it's critical to develop an understanding of what Citigroup's liquidity, profitability, and earnings quality are in the context of the Financial Services space in which it operates.
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. Whatever the case, the imprecision that can be found in Citigroup's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Citigroup. Please utilize our Beneish M Score to check the likelihood of Citigroup's management to manipulate its earnings.

Citigroup Company Summary

Citigroup competes with Credit Suisse. 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 228000 people.
Foreign Associates
Specialization
Financial Services, Banks - Diversified
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS1729674242
CUSIP894190107
LocationNew York; U.S.A
Business Address388 Greenwich Street
New SymbolC1
SectorFinancial Services
IndustryBanks—Diversified
BenchmarkDOW
Websitewww.citigroup.com
Phone212 559 1000
Related EntityC
CurrencyUSD - US Dollar
You should never invest in Citigroup without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Citigroup Stock, because this is throwing your money away. Analyzing the key information contained in Citigroup's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Citigroup Key Financial Ratios

Generally speaking, Citigroup's financial ratios allow both analysts and investors to convert raw data from Citigroup's financial statements into concise, actionable information that can be used to evaluate the performance of Citigroup over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Citigroup reports annually and quarterly.

Citigroup Key Balance Sheet Accounts

201720182019202020212022 (projected)
Long Term Debt236.71 B232 B248.76 B271.69 B312.44 B311.02 B
Total Assets1,842.46 B1,917.38 B1,951.16 B2,260.09 B2,291.41 B2,324.26 B
Cash and Equivalents180.52 B188.1 B193.92 B309.62 B262.03 B248.96 B
Total Debt437.44 B442.11 B460.15 B500.73 B473.63 B443.69 B
Deposit Liabilities959.82 B1,013.17 B1,070.59 B1,280.67 B1,317.23 B1,279.75 B
Shareholders Equity200.74 B196.22 B193.24 B199.44 B201.97 B223.14 B
Investments1,492.24 B1,557.29 B1,582.72 B1,768.08 B1,823.37 B1,858.66 B
Total Liabilities1,640.79 B1,720.31 B1,757.21 B2,059.89 B2,088.74 B2,100.06 B

Citigroup Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Citigroup's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201720182019202020212022 (projected)
Consolidated Income(6.74 B)18.08 B19.47 B11.09 B22.02 B18.78 B
Cost of Revenue7.45 B7.57 B8.38 B17.5 B(3.78 B)(3.88 B)
Gross Profit64.99 B65.29 B66.68 B58.01 B75.66 B77.91 B
Net Income(6.8 B)18.05 B19.4 B11.05 B21.95 B18.68 B
Operating Expenses42.23 B41.84 B42.78 B44.37 B48.19 B44.85 B
Operating Income22.76 B23.45 B23.9 B13.63 B27.47 B25.75 B
Revenues72.44 B72.85 B75.07 B75.5 B71.88 B69.04 B
Income Tax Expense29.39 B5.36 B4.43 B2.52 B5.45 B6.97 B

Citigroup Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Citigroup. It measures of how well Citigroup is doing because it can show the actual money that comes into and out of the company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Citigroup brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Citigroup had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Citigroup has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201720182019202020212022 (projected)
Capital Expenditure(2.98 B)(3.56 B)(5.08 B)(3.4 B)(3.93 B)(4.24 B)
Depreciation Amortization and Accretion3.66 B3.75 B3.9 B3.94 B3.96 B4.12 B
Net Cash Flow or Change in Cash and Cash Equivalents20.02 B7.59 B5.81 B115.7 B(47.58 B)(48.83 B)
Issuance Purchase of Equity Shares(14.54 B)(14.43 B)(17.57 B)(2.92 B)(7.6 B)(8.2 B)
Issuance Repayment of Debt Securities55.18 B11.91 B9.38 B30.71 B(14.07 B)(15.18 B)
Payment of Dividends and Other Cash Distributions(3.8 B)(5.02 B)(5.45 B)(5.35 B)(5.2 B)(5.33 B)
Net Cash Flow from Financing66.85 B44.53 B42.93 B233.59 B17.27 B22.37 B
Net Cash Flow from Investing(38.75 B)(73.12 B)(23.37 B)(95.31 B)(124.91 B)(128.19 B)
Net Cash Flow Investment Acquisitions and Disposals(39.37 B)(70.05 B)(18.49 B)(92.03 B)(121.16 B)(124.35 B)
Net Cash Flow from Operations(8.77 B)36.95 B(12.84 B)(20.62 B)61.25 B66.08 B
Effect of Exchange Rate Changes on Cash693 M(773 M)(908 M)(1.97 B)(1.2 B)(1.29 B)

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 the top company in total debt category among related companies. It is number one stock in cash and equivalents category among related companies creating about  2.00  of Cash and Equivalents per Total Debt. Citigroup Total Debt is projected to decrease significantly based on the last few years of reporting. The past year's Total Debt was at 473.63 Billion. Comparative valuation analysis is a catch-all model that can be used if you cannot value Citigroup by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Citigroup's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. 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-six with a total number of output elements of thirty-five. 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.
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About Citigroup Financials

What exactly are Citigroup Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Citigroup's income statement, its balance sheet, and the statement of cash flows. Potential Citigroup investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Citigroup investors may use each financial statement separately, they are all related. The changes in Citigroup's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Citigroup's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines that you should keep in mind when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase year after year due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt to equity ratio because this number will tell you how much risk it has. If a company such as Citigroup is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to try and figure out if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that net revenue of Citigroup grown by more than 25% over the last five years, then there is a good chance that it will continue growing at least by 20% or more each year. On the other hand, if you see that net revenue has only grown by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.

Citigroup Thematic Clasifications

Citigroup is part of several thematic ideas from Baby Boomer Prospects to Top FinTech. 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
Baby Boomer Prospects Idea
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Top FinTech Idea
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Momentum Idea
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Banks Idea
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Investor Favorites Idea
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Citigroup May 26, 2022 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.
Information Ratio(0.09)
Maximum Drawdown10.95
Value At Risk(3.35)
Potential Upside3.06
Continue to Trending Equities. Note that the Citigroup information on this page should be used as a complementary analysis to other Citigroup's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Portfolio Center module to all portfolio management and optimization tools to improve performance of your portfolios.

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Is Citigroup's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Citigroup. If investors know Citigroup will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Citigroup listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of Citigroup is measured differently than its book value, which is the value of Citigroup that is recorded on the company's balance sheet. Investors also form their own opinion of Citigroup's value that differs from its market value or its book value, called intrinsic value, which is Citigroup's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Citigroup's market value can be influenced by many factors that don't directly affect Citigroup's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Citigroup's value and its price as these two are different measures arrived at by different means. Investors typically determine Citigroup value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Citigroup's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.