Citigroup Inc. (C)vsPiper Sandler Companies (PIPR)
C
Citigroup Inc.
$112.41
-1.81%
FINANCIAL SERVICES · Cap: $200.26B
PIPR
Piper Sandler Companies
$73.04
-2.68%
FINANCIAL SERVICES · Cap: $1.32B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 3886% more annual revenue ($75.72B vs $1.90B). C leads profitability with a 18.9% profit margin vs 14.8%. C appears more attractively valued with a PEG of 0.84. PIPR earns a higher WallStSmart Score of 78/100 (B+).
C
Buy64
out of 100
Grade: C+
PIPR
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-130.5%
Fair Value
$47.53
Current Price
$112.41
$64.88 premium
Margin of Safety
-84.4%
Fair Value
$185.33
Current Price
$73.04
$112.29 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Strong operational efficiency at 25.7%
Generating 2.0B in free cash flow
Revenue surging 37.6% year-over-year
Earnings expanding 65.1% YoY
Safe zone — low bankruptcy risk
Strong operational efficiency at 29.8%
Areas to Watch
4.4% revenue growth
ROE of 6.8% — below average capital efficiency
Earnings declined 10.8%
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull Case : C
The strongest argument for C centers on Market Cap, Price/Book, PEG Ratio. Profitability is solid with margins at 18.9% and operating margin at 25.7%. PEG of 0.84 suggests the stock is reasonably priced for its growth.
Bull Case : PIPR
The strongest argument for PIPR centers on Revenue Growth, EPS Growth, Altman Z-Score. Revenue growth of 37.6% demonstrates continued momentum. PEG of 1.26 suggests the stock is reasonably priced for its growth.
Bear Case : C
The primary concerns for C are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : PIPR
The primary concerns for PIPR are Market Cap.
Key Dynamics to Monitor
C profiles as a value stock while PIPR is a growth play — different risk/reward profiles.
PIPR carries more volatility with a beta of 1.54 — expect wider price swings.
PIPR is growing revenue faster at 37.6% — sustainability is the question.
C generates stronger free cash flow (2.0B), providing more financial flexibility.
Bottom Line
PIPR scores higher overall (78/100 vs 64/100) and 37.6% revenue growth. Both earn "Strong 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.
Piper Sandler Companies
FINANCIAL SERVICES · CAPITAL MARKETS · USA
Piper Sandler Companies is an investment bank and institutional securities firm serving corporations, private equity groups, public entities, non-profit entities, and institutional investors in the United States and internationally. The company is headquartered in Minneapolis, Minnesota.
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