Citigroup Inc. (C)vsVisa Inc. Class A (V)
C
Citigroup Inc.
$111.64
+1.94%
FINANCIAL SERVICES · Cap: $191.59B
V
Visa Inc. Class A
$301.62
+0.94%
FINANCIAL SERVICES · Cap: $581.54B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 83% more annual revenue ($75.72B vs $41.39B). V leads profitability with a 50.2% profit margin vs 18.9%. C appears more attractively valued with a PEG of 0.80. V earns a higher WallStSmart Score of 68/100 (B-).
C
Strong Buy65
out of 100
Grade: B-
V
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-130.5%
Fair Value
$47.53
Current Price
$111.64
$64.11 premium
Margin of Safety
+18.2%
Fair Value
$368.92
Current Price
$301.62
$67.30 discount
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
Mega-cap, among the largest globally
Every $100 of equity generates 54 in profit
Keeps 50 of every $100 in revenue as profit
Strong operational efficiency at 68.3%
Generating 6.4B in free cash flow
Areas to Watch
4.4% revenue growth
ROE of 6.8% — below average capital efficiency
Earnings declined 10.8%
Expensive relative to growth rate
Moderate valuation
Trading at 15.1x book value
Grey zone — moderate risk
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 : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.2% and operating margin at 68.3%. Revenue growth of 14.6% demonstrates continued momentum.
Bear Case : C
The primary concerns for C are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
C profiles as a value stock while V is a mature play — different risk/reward profiles.
C carries more volatility with a beta of 1.13 — expect wider price swings.
V is growing revenue faster at 14.6% — sustainability is the question.
V generates stronger free cash flow (6.4B), providing more financial flexibility.
Bottom Line
V scores higher overall (68/100 vs 65/100), backed by strong 50.2% margins and 14.6% revenue growth. Both earn "Strong Buy" and "Strong 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.
Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
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