Is Citigroup Headed in the Right Direction?

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E = Equity to Debt Ratio Is Normal  

The debt-to-equity ratio for Citigroup is close to the industry average of 2.10.

Debt-To-Equity

Cash

Long-Term Debt

C

2.63

$709.28 Billion

$557.39 Billion

JPM

2.80

$919.04 Billion

$704.98 Billion

BAC

2.53

$524.27 Billion

$645.59 Billion

 

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T = Technicals on the Stock Chart Are Strong    

Citigroup has outperformed JPMorgan and Bank of America year-to-date. However, Citigroup only yields 0.10 whereas Bank of America yields 0.30 percent, and JPMorgan yields 2.40 percent.

1 Month

Year-To-Date

1 Year

3 Year

C

7.80%

19.49%

28.96%

16.97%

JPM

2.33%

14.54%

15.53%

23.01%

BAC

4.58%

8.37%

28.84%

-25.23%

 

At $47.26, Citigroup is trading above all its averages.

50-Day   SMA

43.10

100-Day   SMA

40.10

200-Day   SMA

34.76

 

E = Earnings Have Been Inconsistent           

Earnings have been inconsistent, but they’re still much more impressive than during the financial crisis years. Revenue had been improving through 2010, but that trend has reversed.

2008

2009

2010

2011

2012

Revenue   ($)in   Billions

104.35

108.19

111.70

102.59

90.71

Diluted   EPS ($)

-56.30

-7.99

3.54

3.63

2.44

 

When we look at the last quarter on a year-over-year basis, we see a slight decline in revenue, but a moderate improvement in earnings.

12/2011

3/2012

6/2012

9/2012

12/2012

Revenue   ($)in   billions

22.89

25.00

24.08

18.97

22.66

Diluted   EPS ($)

0.32

0.95

0.95

0.15

0.39

 

Now let’s take a look at the next page for the Trends and Conclusion. Is this stock an OUTPERFORM, a WAIT AND SEE, or a STAY AWAY?

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