Citigroup Inc. (C)vsMarathon Digital Holdings Inc (MARA)
C
Citigroup Inc.
$107.27
-0.10%
FINANCIAL SERVICES · Cap: $187.84B
MARA
Marathon Digital Holdings Inc
$8.02
-6.53%
FINANCIAL SERVICES · Cap: $3.05B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 8247% more annual revenue ($75.72B vs $907.09M). C leads profitability with a 18.9% profit margin vs -144.6%. MARA appears more attractively valued with a PEG of 0.10. C earns a higher WallStSmart Score of 65/100 (B-).
C
Strong Buy65
out of 100
Grade: B-
MARA
Buy51
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-130.5%
Fair Value
$47.53
Current Price
$107.27
$59.74 premium
Intrinsic value data unavailable for MARA.
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
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 86.7% YoY
Areas to Watch
4.4% revenue growth
ROE of 6.8% — below average capital efficiency
Earnings declined 10.8%
Weak financial health signals
ROE of -34.5% — below average capital efficiency
Revenue declined 5.6%
Distress zone — elevated risk
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 : MARA
The strongest argument for MARA centers on PEG Ratio, Price/Book, EPS Growth. PEG of 0.10 suggests the stock is reasonably priced for its growth.
Bear Case : C
The primary concerns for C are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : MARA
The primary concerns for MARA are Piotroski F-Score, Return on Equity, Revenue Growth.
Key Dynamics to Monitor
C profiles as a value stock while MARA is a turnaround play — different risk/reward profiles.
MARA carries more volatility with a beta of 5.42 — expect wider price swings.
C is growing revenue faster at 4.4% — sustainability is the question.
C generates stronger free cash flow (2.0B), providing more financial flexibility.
Bottom Line
C scores higher overall (65/100 vs 51/100), 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.
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.
Marathon Digital Holdings Inc
FINANCIAL SERVICES · CAPITAL MARKETS · USA
Marathon Digital Holdings, Inc. is a cryptocurrency mining digital asset technology company with a focus on the blockchain ecosystem and digital asset generation in the United States. The company is headquartered in Las Vegas, Nevada.
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