Citigroup Inc. (C)vsPfizer Inc (PFE)
C
Citigroup Inc.
$113.74
+1.88%
FINANCIAL SERVICES · Cap: $191.59B
PFE
Pfizer Inc
$27.28
+1.19%
HEALTHCARE · Cap: $153.36B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 21% more annual revenue ($75.72B vs $62.58B). C leads profitability with a 18.9% profit margin vs 12.4%. C appears more attractively valued with a PEG of 0.80. C earns a higher WallStSmart Score of 65/100 (B-).
C
Strong Buy65
out of 100
Grade: B-
PFE
Hold49
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-130.5%
Fair Value
$47.53
Current Price
$113.74
$66.21 premium
Margin of Safety
-194.9%
Fair Value
$9.25
Current Price
$27.28
$18.03 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Large-cap with strong market position
Growing faster than its price suggests
Attractively priced relative to earnings
Strong operational efficiency at 25.7%
Generating 2.0B in free cash flow
Large-cap with strong market position
Reasonable price relative to book value
Strong operational efficiency at 23.9%
Generating 4.5B in free cash flow
Areas to Watch
4.4% revenue growth
ROE of 6.8% — below average capital efficiency
Earnings declined 10.8%
Weak financial health signals
Expensive relative to growth rate
Revenue declined 1.2%
Earnings declined 21.3%
Comparative Analysis Report
WallStSmart ResearchBull Case : C
The strongest argument for C centers on Price/Book, Market Cap, PEG Ratio. Profitability is solid with margins at 18.9% and operating margin at 25.7%. PEG of 0.80 suggests the stock is reasonably priced for its growth.
Bull Case : PFE
The strongest argument for PFE centers on Market Cap, Price/Book, Operating Margin.
Bear Case : C
The primary concerns for C are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : PFE
The primary concerns for PFE are Piotroski F-Score, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
C profiles as a value stock while PFE is a declining play — different risk/reward profiles.
C carries more volatility with a beta of 1.13 — expect wider price swings.
C is growing revenue faster at 4.4% — sustainability is the question.
PFE generates stronger free cash flow (4.5B), providing more financial flexibility.
Bottom Line
C scores higher overall (65/100 vs 49/100), backed by strong 18.9% margins. Both earn "Strong 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.
Pfizer Inc
HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA
Pfizer Inc. is an American multinational pharmaceutical and biotechnology corporation headquartered on 42nd Street in Manhattan, New York City. The name of the company commemorates its co-founder, Charles Pfizer (1824-1906). Pfizer develops and produces medicines and vaccines for immunology, oncology, cardiology, endocrinology, and neurology. The company has several blockbuster drugs or products that each generate more than 1 billion USD in annual revenues.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?