Citigroup Inc. (C)vsMSCI Inc (MSCI)
C
Citigroup Inc.
$107.27
-0.10%
FINANCIAL SERVICES · Cap: $200.26B
MSCI
MSCI Inc
$523.40
-2.11%
FINANCIAL SERVICES · Cap: $38.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 2316% more annual revenue ($75.72B vs $3.13B). MSCI leads profitability with a 38.4% profit margin vs 18.9%. C appears more attractively valued with a PEG of 0.84. C earns a higher WallStSmart Score of 64/100 (C+).
C
Buy64
out of 100
Grade: C+
MSCI
Buy52
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
Margin of Safety
-379.4%
Fair Value
$106.76
Current Price
$523.40
$416.64 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Strong operational efficiency at 25.7%
Generating 2.0B in free cash flow
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 55.9%
Conservative balance sheet, low leverage
Areas to Watch
4.4% revenue growth
ROE of 6.8% — below average capital efficiency
Earnings declined 10.8%
Expensive relative to growth rate
Premium valuation, high expectations priced in
ROE of 0.0% — below average capital efficiency
Earnings declined 2.3%
Comparative Analysis Report
WallStSmart ResearchBull Case : C
The strongest argument for C centers on Market Cap, Price/Book, PEG Ratio. Profitability is solid with margins at 18.9% and operating margin at 25.7%. PEG of 0.84 suggests the stock is reasonably priced for its growth.
Bull Case : MSCI
The strongest argument for MSCI centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 38.4% and operating margin at 55.9%. Revenue growth of 10.6% demonstrates continued momentum.
Bear Case : C
The primary concerns for C are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : MSCI
The primary concerns for MSCI are PEG Ratio, P/E Ratio, Return on Equity.
Key Dynamics to Monitor
C profiles as a value stock while MSCI is a mature play — different risk/reward profiles.
MSCI carries more volatility with a beta of 1.30 — expect wider price swings.
MSCI is growing revenue faster at 10.6% — sustainability is the question.
C generates stronger free cash flow (2.0B), providing more financial flexibility.
Bottom Line
C scores higher overall (64/100 vs 52/100), backed by strong 18.9% margins. Both earn "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.
MSCI Inc
FINANCIAL SERVICES · FINANCIAL DATA & STOCK EXCHANGES · USA
MSCI Inc. (formerly Morgan Stanley Capital International and MSCI Barra), is an American finance company headquartered in New York City and serving as a global provider of equity, fixed income, hedge fund stock market indexes, multi-asset portfolio analysis tools and ESG products. It publishes the MSCI BRIC, MSCI World and MSCI EAFE Indexes.
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