Citigroup Inc. (C)vsNational Grid PLC ADR (NGG)
C
Citigroup Inc.
$135.13
+1.02%
FINANCIAL SERVICES · Cap: $223.87B
NGG
National Grid PLC ADR
$81.86
-0.33%
UTILITIES · Cap: $80.25B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 345% more annual revenue ($78.73B vs $17.69B). C leads profitability with a 20.4% profit margin vs 18.3%. C appears more attractively valued with a PEG of 0.72. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
NGG
Buy62
out of 100
Grade: C+
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
Strong operational efficiency at 32.6%
Large-cap with strong market position
Growing faster than its price suggests
Areas to Watch
ROE of 7.6% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Trading at 8.2x book value
2.0% revenue growth
Elevated debt levels
Weak financial health signals
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 15.9% demonstrates continued momentum.
Bull Case : NGG
The strongest argument for NGG centers on Operating Margin, Market Cap, PEG Ratio. Profitability is solid with margins at 18.3% and operating margin at 32.6%. PEG of 1.00 suggests the stock is reasonably priced for its growth.
Bear Case : C
The primary concerns for C are Return on Equity, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.55 is elevated, increasing financial risk.
Bear Case : NGG
The primary concerns for NGG are Price/Book, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
C profiles as a growth stock while NGG is a value play — different risk/reward profiles.
C carries more volatility with a beta of 1.12 — expect wider price swings.
C is growing revenue faster at 15.9% — sustainability is the question.
NGG generates stronger free cash flow (-2.2B), providing more financial flexibility.
Bottom Line
C scores higher overall (82/100 vs 62/100), backed by strong 20.4% margins and 15.9% revenue growth. Both earn "Exceptional 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.
National Grid PLC ADR
UTILITIES · UTILITIES - REGULATED ELECTRIC · USA
National Grid plc transmits and distributes electricity and natural gas. The company is headquartered in London, the United Kingdom.
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