Citigroup Inc. (C)vsNewmont Goldcorp Corp (NEM)
C
Citigroup Inc.
$125.55
-2.74%
FINANCIAL SERVICES · Cap: $225.82B
NEM
Newmont Goldcorp Corp
$116.51
+2.66%
BASIC MATERIALS · Cap: $124.38B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 215% more annual revenue ($78.73B vs $24.97B). NEM leads profitability with a 33.9% profit margin vs 20.4%. C appears more attractively valued with a PEG of 0.71. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
NEM
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for C.
Margin of Safety
-81.0%
Fair Value
$68.86
Current Price
$116.51
$47.65 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 34.1%
Earnings expanding 56.1% YoY
Keeps 20 of every $100 in revenue as profit
Growing faster than its price suggests
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 61.4%
Revenue surging 45.8% year-over-year
Earnings expanding 78.6% YoY
Conservative balance sheet, low leverage
Large-cap with strong market position
Areas to Watch
ROE of 7.7% — below average capital efficiency
Negative free cash flow — burning cash
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : C
The strongest argument for C centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 20.4% and operating margin at 34.1%. Revenue growth of 16.9% demonstrates continued momentum.
Bull Case : NEM
The strongest argument for NEM centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 33.9% and operating margin at 61.4%. Revenue growth of 45.8% demonstrates continued momentum.
Bear Case : C
The primary concerns for C are Return on Equity, Free Cash Flow.
Bear Case : NEM
The primary concerns for NEM are PEG Ratio.
Key Dynamics to Monitor
C carries more volatility with a beta of 1.12 — expect wider price swings.
NEM is growing revenue faster at 45.8% — sustainability is the question.
NEM generates stronger free cash flow (3.1B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
C scores higher overall (82/100 vs 78/100), backed by strong 20.4% margins and 16.9% 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.
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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