WallStSmart

Citigroup Inc. (C)vsOFS Capital Corp (OFS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Citigroup Inc. generates 200241% more annual revenue ($78.73B vs $39.30M). C leads profitability with a 20.4% profit margin vs -95.2%. C appears more attractively valued with a PEG of 0.78. C earns a higher WallStSmart Score of 82/100 (A-).

C

Exceptional Buy

82

out of 100

Grade: A-

Growth: 8.7Profit: 6.5Value: 7.0Quality: 3.0
Piotroski: 4/9Altman Z: -0.10

OFS

Hold

42

out of 100

Grade: D

Growth: 3.0Profit: 5.0Value: 4.7Quality: 3.8
Piotroski: 3/9Altman Z: -0.38

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

C6 strengths · Avg: 9.5/10
Market CapQuality
$240.84B10/10

Mega-cap, among the largest globally

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
34.1%10/10

Strong operational efficiency at 34.1%

EPS GrowthGrowth
56.1%10/10

Earnings expanding 56.1% YoY

Profit MarginProfitability
20.4%9/10

Keeps 20 of every $100 in revenue as profit

PEG RatioValuation
0.788/10

Growing faster than its price suggests

OFS2 strengths · Avg: 10.0/10
Price/BookValuation
0.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
68.9%10/10

Strong operational efficiency at 68.9%

Areas to Watch

C4 concerns · Avg: 2.0/10
Return on EquityProfitability
7.6%3/10

ROE of 7.6% — below average capital efficiency

Free Cash FlowQuality
$-23.29B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.102/10

Distress zone — elevated risk

Debt/EquityHealth
3.551/10

Elevated debt levels

OFS4 concerns · Avg: 3.3/10
PEG RatioValuation
1.834/10

Expensive relative to growth rate

Market CapQuality
$45.42M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.833/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull 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 : OFS

The strongest argument for OFS centers on Price/Book, Operating Margin.

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 : OFS

The primary concerns for OFS are PEG Ratio, Market Cap, Debt/Equity. Debt-to-equity of 1.83 is elevated, increasing financial risk.

Key Dynamics to Monitor

C profiles as a growth stock while OFS is a turnaround play — different risk/reward profiles.

C carries more volatility with a beta of 1.11 — expect wider price swings.

C is growing revenue faster at 15.9% — sustainability is the question.

OFS generates stronger free cash flow (828,000), providing more financial flexibility.

Bottom Line

C scores higher overall (82/100 vs 42/100), backed by strong 20.4% margins and 15.9% revenue growth. Both earn "Exceptional Buy" and "Hold" 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.

OFS Capital Corp

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

OFS Capital Corp (OFS) is a publicly traded business development company focused on providing customized capital solutions to middle-market enterprises across the United States. The firm primarily invests in private debt instruments, including senior secured and subordinated debt, while also pursuing selective equity investments to optimize overall returns. Backed by a seasoned management team and a disciplined investment approach, OFS aims to deliver robust risk-adjusted returns for its shareholders. With a strong network of industry connections and acute market insights, the company is adept at recognizing and capitalizing on investment opportunities amidst shifting economic conditions.

Want to dig deeper into these stocks?