Citigroup Inc. (C)vsNewmont Goldcorp Corp (NEM)
C
Citigroup Inc.
$113.74
+1.88%
FINANCIAL SERVICES · Cap: $191.59B
NEM
Newmont Goldcorp Corp
$101.52
+2.52%
BASIC MATERIALS · Cap: $108.06B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 234% more annual revenue ($75.72B vs $22.67B). NEM leads profitability with a 31.2% profit margin vs 18.9%. C appears more attractively valued with a PEG of 0.80. NEM earns a higher WallStSmart Score of 65/100 (B-).
C
Strong Buy65
out of 100
Grade: B-
NEM
Strong Buy65
out of 100
Grade: B-
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
-184.1%
Fair Value
$43.86
Current Price
$101.52
$57.66 premium
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
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 58.1%
Conservative balance sheet, low leverage
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Attractively priced relative to earnings
Areas to Watch
4.4% revenue growth
ROE of 6.8% — below average capital efficiency
Earnings declined 10.8%
Expensive relative to growth rate
Earnings declined 4.6%
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 : NEM
The strongest argument for NEM centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 31.2% and operating margin at 58.1%. Revenue growth of 20.6% demonstrates continued momentum.
Bear Case : C
The primary concerns for C are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : NEM
The primary concerns for NEM are PEG Ratio, EPS Growth.
Key Dynamics to Monitor
C profiles as a value stock while NEM is a growth play — different risk/reward profiles.
C carries more volatility with a beta of 1.13 — expect wider price swings.
NEM is growing revenue faster at 20.6% — 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 65/100), backed by strong 18.9% margins. Both earn "Strong 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.
Newmont Goldcorp Corp
BASIC MATERIALS · GOLD · USA
Newmont Corporation, based in Greenwood Village, Colorado, United States, is one of the largest gold mining companies in the world.
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