CITIGROUP INC (C) Stock Analysis
CITIGROUP INC (C) Stock Analysis
Analysis from 10-Q filed 2025-11-06. Data as of Q4 2025.
Overall Grade: F (Concerning)
CITIGROUP INC faces challenges in financial performance that warrant careful analysis.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | -87.0% | Cash flow pressure |
| Debt/Equity | 0.1x | Conservative leverage |
Investment Thesis: Financial metrics indicate concerning business quality with areas requiring attention.
Explore CITIGROUP INC: Earnings History | Filing Intelligence | ROIC Analysis
Profitability: CITIGROUP INC earns N/A ROIC
CITIGROUP INC's trailing-twelve-month ROIC of N/A (sector median: 7.3%). Source: 10-Q filed 2025-11-06.
| Metric | C | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of 7.3% |
| Return on Equity (ROE) | 6.1% | Warning | Moderate equity returns |
Cash Flow: CITIGROUP INC generates $-74.2B FCF at -87.0% margin, positive NaN/8 quarters
CITIGROUP INC generated $-74.2B in free cash flow (TTM), a -87.0% FCF margin. FCF was positive in N/A of the last 8 quarters. Source: 10-Q filed 2025-11-06.
| Metric | C | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | -87.0% | Red flag | Thin cash margins |
| Free Cash Flow (TTM) | $-74.2B | Red flag | Cash burn |
| OCF/Net Income | -5.2x | Warning | Potential accrual concerns |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: CITIGROUP INC at 0.1x leverage
CITIGROUP INC's debt-to-equity ratio of 0.1x reflects conservative leverage. Net cash position of $329.6B provides financial flexibility. Source: 10-Q filed 2025-11-06.
| Metric | C | Rating | Context |
|---|---|---|---|
| Debt to Equity | 0.1x | Excellent | Conservative capital structure |
| Net Cash Position | $329.6B | Excellent | Net cash positive |
Valuation: CITIGROUP INC trades at 16.4x earnings
CITIGROUP INC trades at a P/E of 16.4x. Free cash flow yield of -34.7% reflects market expectations for growth.
| Metric | C | Rating | Context |
|---|---|---|---|
| P/E Ratio | 16.4x | Adequate | Reasonable valuation |
| EV/Sales | -1.1x | Excellent | Attractive revenue multiple |
| FCF Yield | -34.7% | Warning | Lower cash yield |
| Dividend Yield | 2.0% | Adequate | Growth focus over income |
Capital Allocation: CITIGROUP INC returns 8.2% shareholder yield
CITIGROUP INC's total shareholder yield is 8.2% (dividends 2.0% + buybacks 6.2%). Source: 10-Q filed 2025-11-06.
| Metric | C | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 8.2% | Excellent | Dividend + buyback yield combined |
| Buyback Yield | 6.2% | Good | Active share repurchases |
| Total Capital Returned (TTM) | $18.6B | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | -87.0% | Bottom 10% | -4.0x below |
| Return on Equity (ROE) | 6.1% | Bottom 25% | 0.6x below |
| P/E Ratio | 16.4x | N/A | - |
Financial Scorecard
| Metric | C | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | -87.0% | Red flag | Thin cash margins |
| Debt to Equity Ratio | 9.4% | Excellent | Conservative capital structure |
| P/E Ratio (Price-to-Earnings) | 16.4x | Adequate | Fair value |
| Free Cash Flow Yield | -34.7% | Red flag | Growth-focused valuation |
Frequently Asked Questions
Q: What is CITIGROUP INC's Return on Invested Capital (ROIC)?
CITIGROUP INC (C) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. This compares below the sector median of 7.3%. An ROIC below 8% suggests the company may be destroying shareholder value.
Q: What is CITIGROUP INC's Free Cash Flow Margin?
CITIGROUP INC (C) has a free cash flow margin of -87.0%, generating $-74.2 billion in free cash flow over the trailing twelve months. Negative free cash flow means the company is consuming cash, which may require financing.
Q: Is CITIGROUP INC stock overvalued or undervalued?
CITIGROUP INC (C) trades at a P/E ratio of 16.4x, which is above the sector median of N/A. The EV/Sales multiple is -1.1x.
Q: Does CITIGROUP INC pay a dividend?
CITIGROUP INC (C) currently pays a dividend yield of 2.0%. Including share buybacks, the total shareholder yield is 8.2%. The relatively low yield suggests the company prioritizes growth reinvestment over income distribution.
Q: What is CITIGROUP INC's revenue and earnings growth?
CITIGROUP INC (C) grew revenue by 5.6% year-over-year. Earnings per share increased by 17.7% compared to the prior year. Modest growth indicates a mature business with stable demand.
Q: Is CITIGROUP INC buying back stock?
CITIGROUP INC (C) repurchased $13.3 billion of stock over the trailing twelve months. This represents a buyback yield of 6.2%.
Q: How does CITIGROUP INC compare to competitors in Financials?
Compared to other companies in Financials, CITIGROUP INC (C) shows: ROIC of N/A is below the sector median of 7.3% (NaNx median). FCF margin of -87.0% trails the sector median of 21.7%. These rankings are based on MetricDuck's analysis of all Financials companies with available SEC filings.
Q: What warning signs should I watch for with CITIGROUP INC?
Investors in CITIGROUP INC (C) should monitor these potential warning signs: 1) FCF margin is thin at -87.0%, leaving limited buffer for economic downturns. Regular monitoring of SEC filings and quarterly trends is recommended.
Data Source: Data sourced from 10-Q filed 2025-11-06. TTM metrics as of Q4 2025.
Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.
Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.
This analysis is for informational purposes only and does not constitute investment advice.