Citigroup Inc. (C)vsProAssurance Corporation (PRA)
C
Citigroup Inc.
$127.60
-0.32%
FINANCIAL SERVICES · Cap: $222.93B
PRA
ProAssurance Corporation
$24.60
-0.24%
FINANCIAL SERVICES · Cap: $1.27B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 7000% more annual revenue ($78.73B vs $1.11B). C leads profitability with a 20.4% profit margin vs 4.6%. C appears more attractively valued with a PEG of 0.71. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
PRA
Buy65
out of 100
Grade: C+
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
Reasonable price relative to book value
Earnings expanding 105.2% YoY
Growing faster than its price suggests
Strong operational efficiency at 20.3%
Areas to Watch
ROE of 7.7% — below average capital efficiency
Smaller company, higher risk/reward
ROE of 4.0% — below average capital efficiency
4.6% margin — thin
Revenue declined 4.1%
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 : PRA
The strongest argument for PRA centers on Price/Book, EPS Growth, PEG Ratio. PEG of 0.78 suggests the stock is reasonably priced for its growth.
Bear Case : C
The primary concerns for C are Return on Equity.
Bear Case : PRA
The primary concerns for PRA are Market Cap, Return on Equity, Profit Margin. Thin 4.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
C profiles as a growth stock while PRA is a value play — different risk/reward profiles.
C carries more volatility with a beta of 1.08 — expect wider price swings.
C is growing revenue faster at 16.9% — sustainability is the question.
C generates stronger free cash flow (2.0B), providing more financial flexibility.
Bottom Line
C scores higher overall (82/100 vs 65/100), backed by strong 20.4% margins and 16.9% revenue growth. Both earn "Exceptional 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.
ProAssurance Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
ProAssurance Corporation, offers property and casualty insurance and reinsurance products in the United States. The company is headquartered in Birmingham, Alabama.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?