Citigroup Inc. (C)vsNatera Inc (NTRA)
C
Citigroup Inc.
$125.55
-2.74%
FINANCIAL SERVICES · Cap: $225.82B
NTRA
Natera Inc
$194.24
-11.64%
HEALTHCARE · Cap: $30.71B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 3314% more annual revenue ($78.73B vs $2.31B). C leads profitability with a 20.4% profit margin vs -9.0%. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
NTRA
Avoid31
out of 100
Grade: F
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
Revenue surging 39.8% year-over-year
Areas to Watch
ROE of 7.7% — below average capital efficiency
Negative free cash flow — burning cash
Trading at 15.8x book value
0.0% earnings growth
ROE of -14.3% — below average capital efficiency
Currently unprofitable
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 : NTRA
The strongest argument for NTRA centers on Revenue Growth. Revenue growth of 39.8% demonstrates continued momentum.
Bear Case : C
The primary concerns for C are Return on Equity, Free Cash Flow.
Bear Case : NTRA
The primary concerns for NTRA are Price/Book, EPS Growth, Return on Equity.
Key Dynamics to Monitor
C profiles as a growth stock while NTRA is a hypergrowth play — different risk/reward profiles.
NTRA carries more volatility with a beta of 1.57 — expect wider price swings.
NTRA is growing revenue faster at 39.8% — sustainability is the question.
NTRA generates stronger free cash flow (38M), providing more financial flexibility.
Bottom Line
C scores higher overall (82/100 vs 31/100), backed by strong 20.4% margins and 16.9% revenue growth. Both earn "Exceptional Buy" and "Avoid" 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.
Natera Inc
HEALTHCARE · DIAGNOSTICS & RESEARCH · USA
Natera, Inc., a diagnostic company, develops and markets molecular testing services globally. The company is headquartered in San Carlos, California.
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