British American Tobacco p.l.c. (BTI)vsCitigroup Inc. (C)
BTI
British American Tobacco p.l.c.
$57.76
-0.28%
CONSUMER DEFENSIVE · Cap: $125.28B
C
Citigroup Inc.
$113.74
+1.88%
FINANCIAL SERVICES · Cap: $191.59B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 196% more annual revenue ($75.72B vs $25.61B). BTI leads profitability with a 30.3% profit margin vs 18.9%. BTI appears more attractively valued with a PEG of 0.41. C earns a higher WallStSmart Score of 65/100 (B-).
BTI
Buy64
out of 100
Grade: C+
C
Strong Buy65
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-39.2%
Fair Value
$43.34
Current Price
$57.76
$14.42 premium
Margin of Safety
-130.5%
Fair Value
$47.53
Current Price
$113.74
$66.21 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 34.6%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Large-cap with strong market position
Growing faster than its price suggests
Attractively priced relative to earnings
Strong operational efficiency at 25.7%
Generating 2.0B in free cash flow
Areas to Watch
0.1% revenue growth
1.6% earnings growth
4.4% revenue growth
ROE of 6.8% — below average capital efficiency
Earnings declined 10.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : BTI
The strongest argument for BTI centers on PEG Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.3% and operating margin at 34.6%. PEG of 0.41 suggests the stock is reasonably priced for its growth.
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 : BTI
The primary concerns for BTI are Revenue Growth, EPS Growth.
Bear Case : C
The primary concerns for C are Revenue Growth, Return on Equity, EPS Growth.
Key Dynamics to Monitor
C carries more volatility with a beta of 1.13 — expect wider price swings.
C is growing revenue faster at 4.4% — sustainability is the question.
BTI generates stronger free cash flow (3.0B), providing more financial flexibility.
Monitor TOBACCO industry trends, competitive dynamics, and regulatory changes.
Bottom Line
C scores higher overall (65/100 vs 64/100), backed by strong 18.9% margins. Both earn "Strong Buy" and "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.
British American Tobacco p.l.c.
CONSUMER DEFENSIVE · TOBACCO · USA
British American Tobacco plc offers tobacco and nicotine products to consumers around the world. The company is headquartered in London, the United Kingdom.
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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