Citigroup Z Score

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C -- USA Stock  


Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Continue to Citigroup Piotroski F Score and Citigroup Valuation analysis.

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As of June 1, 2020, Capital Expenditure is expected to decline to about (5.2 B). In addition to that, Return on Invested Capital is expected to decline to 0.010974. Citigroup Cost of Revenue is expected to significantly decrease based on the last few years of reporting. The last year's Cost of Revenue was at 8.38 Billion. The current year Net Loss Income from Discontinued Operations is expected to grow to about 4.1 M, whereas Consolidated Income is expected to decline to about 16.2 B.

Citigroup Z Score Analysis

Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..
 2017 2018 2019 2020 (projected)
Revenues USD72.44 B72.85 B74.29 B71.02 B
Revenues72.44 B72.85 B74.29 B65.09 B
Citigroup Inc., a diversified financial services holding company, provides various financial products and services for 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 USA and is traded on BATS Exchange. It employs 201000 people.
Z Score 
Sum Of  
5 Factors 
More About Z Score | All Equity Analysis

Current Citigroup Z Score

First Factor
1.2 * (
Working Capital
Total Assets )
Second Factor
1.4 * (
Retained Earnings
Total Assets )
Thrid Factor
3.3 * (
Total Assets )
Fouth Factor
0.6 * (
Market Value of Equity
Total Liabilities )
Fifth Factor
0.99 * (
Total Assets )

Citigroup Distress Driver Correlations

About Z Score

To calculate Z-Score one would need to know current working capital of the company, its total assets, and liabilities, amount of latest retained earnings as well as earnings before interest and tax. Z-Score can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area' with scores of less than 1 indicating the high probability of distress. Z Score is used widely by financial auditors, accountants, money managers, loan processers, wealth advisers, as well as day traders. In the last 25 years, many financial models that utilize z score has been proved to be successful as a predictor of corporate bankruptcy.
Compare to competition

  Accumulated Other Comprehensive Income

Citigroup has Z Score of 0.0. This is 100.0% lower than that of the Financial Services sector, and about the same as Banks?Diversified (which currently averages 0.0) industry, The Z Score for all stocks is 100.0% higher than the company.

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CitigroupCurrent Valuation Drivers

2014201520162017201820192020 (projected)
Revenue Per Employee375.82 K382.14 K375.16 K420.89 K476.08 K517.25 K444.01 K
Average Assets1,882.37 B1,800.18 B1,807.48 B1,854.32 B1,919.25 B1,978.15 B1,836.7 B
Earnings before Tax14.51 B24.68 B21.36 B22.59 B23.4 B23.83 B21.85 B
Average Equity210.57 B219.19 B229.03 B221.63 B198.81 B195.81 B215.7 B
Enterprise Value449.29 B399.22 B405.07 B442.74 B372.81 B426.49 B(27.72 B)
Free Cash Flow43.58 B37.12 B51.64 B(11.76 B)33.39 B(17.91 B)(18.39 B)
Invested Capital2,106.83 B1,939.11 B1,981.95 B2,071.99 B2,144.12 B2,190.44 B2,053.86 B
Tangible Asset Value1,812.18 B1,703.36 B1,763.74 B1,815.06 B1,890.12 B1,924.21 B2,071.62 B
Calculated Tax Rate47.7929.9730.0129.1222.8518.5324.48
Cash Flow Per Share15.0213.4619.45(3.341364)15.6(6.07202)(6.23181)
Revenue to Assets0.0491560.050990.0459720.0477440.0506520.0530190.057337
Asset Turnover0.0360.0410.0420.0390.0380.03420.034881
Book Value per Share69.3373.8577.9574.3978.785.9277.44
Debt to Equity Ratio7.766.86.968.178.779.090.9072
EBITDA Margin0.2340.3690.3540.3620.3730.428950.375711
Gross Margin0.8890.9030.8960.9010.8970.8870.9481
Profit Margin0.0950.2260.211(0.094)0.2480.2610.0022
Payout Ratio0.0180.030.089(0.322)0.230.2380.256789
Price to Book Value0.780.6950.7520.980.6480.9030.91
Price to Sales Ratio2.
Return on Sales0.1880.3230.3020.3120.3210.369150.318921

Citigroup Fundamentals

About Citigroup Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Citigroup's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Citigroup using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Citigroup based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way. Please read more on our fundamental analysis page.

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