Citigroup Inc. (C)vsING Group NV ADR (ING)
C
Citigroup Inc.
$113.74
+1.88%
FINANCIAL SERVICES · Cap: $191.59B
ING
ING Group NV ADR
$25.75
+2.39%
FINANCIAL SERVICES · Cap: $73.59B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 210% more annual revenue ($75.72B vs $24.46B). ING leads profitability with a 34.0% profit margin vs 18.9%. C appears more attractively valued with a PEG of 0.80. ING earns a higher WallStSmart Score of 81/100 (A-).
C
Strong Buy65
out of 100
Grade: B-
ING
Exceptional Buy81
out of 100
Grade: A-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-130.5%
Fair Value
$47.53
Current Price
$113.74
$66.21 premium
Margin of Safety
+73.5%
Fair Value
$113.72
Current Price
$25.75
$87.97 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 62.8%
Revenue surging 118.2% year-over-year
Large-cap with strong market position
Areas to Watch
4.4% revenue growth
ROE of 6.8% — below average capital efficiency
Earnings declined 10.8%
Weak financial health signals
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : ING
The strongest argument for ING centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.0% and operating margin at 62.8%. Revenue growth of 118.2% demonstrates continued momentum.
Bear Case : C
The primary concerns for C are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : ING
The primary concerns for ING are Piotroski F-Score, Debt/Equity. Debt-to-equity of 3.41 is elevated, increasing financial risk.
Key Dynamics to Monitor
C profiles as a value stock while ING is a growth play — different risk/reward profiles.
C carries more volatility with a beta of 1.13 — expect wider price swings.
ING is growing revenue faster at 118.2% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ING scores higher overall (81/100 vs 65/100), backed by strong 34.0% margins and 118.2% 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.
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.
ING Group NV ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
ING Groep NV, a financial institution, offers various banking products and services to individuals, small and medium-sized businesses and medium-sized businesses. The company is headquartered in Amsterdam, the Netherlands.
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