Citigroup Inc. (C)vsOnity Group Inc. (ONIT)
C
Citigroup Inc.
$127.97
+0.28%
FINANCIAL SERVICES · Cap: $223.88B
ONIT
Onity Group Inc.
$46.01
+0.46%
FINANCIAL SERVICES · Cap: $390.89M
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 7281% more annual revenue ($78.73B vs $1.07B). C leads profitability with a 20.4% profit margin vs 17.8%. ONIT appears more attractively valued with a PEG of 0.62. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
ONIT
Exceptional Buy81
out of 100
Grade: A-
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
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 32 in profit
Strong operational efficiency at 52.9%
Growing faster than its price suggests
Revenue surging 29.0% year-over-year
Areas to Watch
ROE of 7.7% — below average capital efficiency
Smaller company, higher risk/reward
Earnings declined 23.4%
Negative free cash flow — burning cash
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 : ONIT
The strongest argument for ONIT centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 17.8% and operating margin at 52.9%. Revenue growth of 29.0% demonstrates continued momentum.
Bear Case : C
The primary concerns for C are Return on Equity.
Bear Case : ONIT
The primary concerns for ONIT are Market Cap, EPS Growth, Free Cash Flow.
Key Dynamics to Monitor
ONIT carries more volatility with a beta of 1.56 — expect wider price swings.
ONIT is growing revenue faster at 29.0% — sustainability is the question.
C generates stronger free cash flow (2.0B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
C scores higher overall (82/100 vs 81/100), backed by strong 20.4% margins and 16.9% revenue growth. Both earn "Exceptional Buy" and "Exceptional 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.
Onity Group Inc.
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Onity Group Inc., a financial services company, originates and services mortgage loans in the United States, the United States Virgin Islands, India, and the Philippines. The company is headquartered in West Palm Beach, Florida.
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