Citigroup Inc. (C)vsWheaton Precious Metals Corp (WPM)
C
Citigroup Inc.
$113.74
+1.88%
FINANCIAL SERVICES · Cap: $191.59B
WPM
Wheaton Precious Metals Corp
$120.59
+0.59%
BASIC MATERIALS · Cap: $54.92B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 3171% more annual revenue ($75.72B vs $2.31B). WPM leads profitability with a 63.6% profit margin vs 18.9%. WPM appears more attractively valued with a PEG of 0.43. WPM earns a higher WallStSmart Score of 76/100 (B+).
C
Strong Buy65
out of 100
Grade: B-
WPM
Strong Buy76
out of 100
Grade: B+
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
+1.4%
Fair Value
$151.16
Current Price
$120.59
$30.57 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
Growing faster than its price suggests
Keeps 64 of every $100 in revenue as profit
Strong operational efficiency at 75.2%
Revenue surging 127.2% year-over-year
Earnings expanding 533.0% YoY
Large-cap with strong market position
Areas to Watch
4.4% revenue growth
ROE of 6.8% — below average capital efficiency
Earnings declined 10.8%
Premium valuation, high expectations priced in
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 : WPM
The strongest argument for WPM centers on PEG Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 63.6% and operating margin at 75.2%. Revenue growth of 127.2% demonstrates continued momentum.
Bear Case : C
The primary concerns for C are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : WPM
The primary concerns for WPM are P/E Ratio.
Key Dynamics to Monitor
C profiles as a value stock while WPM is a growth play — different risk/reward profiles.
C carries more volatility with a beta of 1.13 — expect wider price swings.
WPM is growing revenue faster at 127.2% — sustainability is the question.
C generates stronger free cash flow (2.0B), providing more financial flexibility.
Bottom Line
WPM scores higher overall (76/100 vs 65/100), backed by strong 63.6% margins and 127.2% 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.
Wheaton Precious Metals Corp
BASIC MATERIALS · GOLD · USA
Wheaton Precious Metals Corp. The company is headquartered in Vancouver, Canada.
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