WallStSmart

AngloGold Ashanti plc (AU)vsCitigroup Inc. (C)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Citigroup Inc. generates 665% more annual revenue ($75.72B vs $9.89B). AU leads profitability with a 26.7% profit margin vs 18.9%. AU appears more attractively valued with a PEG of 0.78. AU earns a higher WallStSmart Score of 84/100 (A-).

AU

Exceptional Buy

84

out of 100

Grade: A-

Growth: 10.0Profit: 10.0Value: 10.0Quality: 8.5
Piotroski: 6/9Altman Z: 2.99

C

Strong Buy

65

out of 100

Grade: B-

Growth: 4.7Profit: 6.5Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AUUndervalued (+53.8%)

Margin of Safety

+53.8%

Fair Value

$242.89

Current Price

$89.55

$153.34 discount

UndervaluedFair: $242.89Overvalued
CSignificantly Overvalued (-130.5%)

Margin of Safety

-130.5%

Fair Value

$47.53

Current Price

$113.74

$66.21 premium

UndervaluedFair: $47.53Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AU6 strengths · Avg: 9.5/10
Return on EquityProfitability
34.4%10/10

Every $100 of equity generates 34 in profit

Operating MarginProfitability
47.2%10/10

Strong operational efficiency at 47.2%

Revenue GrowthGrowth
75.3%10/10

Revenue surging 75.3% year-over-year

EPS GrowthGrowth
63.1%10/10

Earnings expanding 63.1% YoY

Profit MarginProfitability
26.7%9/10

Keeps 27 of every $100 in revenue as profit

PEG RatioValuation
0.788/10

Growing faster than its price suggests

C6 strengths · Avg: 8.5/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Market CapQuality
$191.59B9/10

Large-cap with strong market position

PEG RatioValuation
0.808/10

Growing faster than its price suggests

P/E RatioValuation
15.7x8/10

Attractively priced relative to earnings

Operating MarginProfitability
25.7%8/10

Strong operational efficiency at 25.7%

Free Cash FlowQuality
$2.03B8/10

Generating 2.0B in free cash flow

Areas to Watch

AU0 concerns · Avg: 0/10

No major concerns identified

C3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

Return on EquityProfitability
6.8%3/10

ROE of 6.8% — below average capital efficiency

EPS GrowthGrowth
-10.8%2/10

Earnings declined 10.8%

Comparative Analysis Report

WallStSmart Research

Bull Case : AU

The strongest argument for AU centers on Return on Equity, Operating Margin, Revenue Growth. Profitability is solid with margins at 26.7% and operating margin at 47.2%. Revenue growth of 75.3% demonstrates continued momentum.

Bull Case : C

The strongest argument for C centers on Price/Book, Market Cap, PEG Ratio. Profitability is solid with margins at 18.9% and operating margin at 25.7%. PEG of 0.80 suggests the stock is reasonably priced for its growth.

Bear Case : AU

No major red flags identified for AU, but monitor valuation.

Bear Case : C

The primary concerns for C are Revenue Growth, Return on Equity, EPS Growth.

Key Dynamics to Monitor

AU profiles as a growth stock while C is a value play — different risk/reward profiles.

C carries more volatility with a beta of 1.13 — expect wider price swings.

AU is growing revenue faster at 75.3% — sustainability is the question.

C generates stronger free cash flow (2.0B), providing more financial flexibility.

Bottom Line

AU scores higher overall (84/100 vs 65/100), backed by strong 26.7% margins and 75.3% revenue growth. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

AngloGold Ashanti plc

BASIC MATERIALS · GOLD · USA

AngloGold Ashanti Limited is a gold mining company. The company is headquartered in Johannesburg, South Africa.

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Citigroup Inc.

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Citigroup Inc. is an American multinational investment bank and financial services corporation headquartered in New York City. The company was formed by the merger of banking giant Citicorp and financial conglomerate Travelers Group in 1998; Travelers was subsequently spun off from the company in 2002. Citigroup owns Citicorp, the holding company for Citibank, as well as several international subsidiaries. Citigroup is incorporated in Delaware.

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