Warren Agent· C
Research Company← Research

CITIGROUP INC

C· Analyzed 6 days ago
PASS
Growth Rates — CAGR from SEC 10-K XBRL filings
Revenue
1.1%
FY2015–2025
Net Income
-2.1%
FY2015–2025
Free Cash Flow
-23.5%
FY2018–2025
EPS (Diluted)
2.9%
FY2015–2025
Latest Metrics — FY2025 · SEC XBRL
Return on Equity
6.7%
NI ÷ Equity
Return on Assets
0.5%
NI ÷ Assets
Net Profit Margin
16.8%
NI ÷ Revenue
Debt / Equity
1.49x
LT Debt ÷ Equity
Intrinsic Value Estimate — DCF (10% discount · 3% terminal · FCF growth capped 15%)
Total Business Value
$286.0B
Per Share (approx.)
$163.49
25% Margin of Safety
$122.62
Conservative entry
50% Margin of Safety
$81.75
Buffett's ideal entry
Growth Rate Used
3.0%
Latest FCF
$19.4B

Berkshire requires a 25–50% discount to intrinsic value before buying.

Buffett Quality Checklist
✗ROE >15% consistently (≥7 of last 10 years)
✗Free cash flow positive (≥8 of last 10 years)
✗Conservative leverage — Debt/Equity below 1
✗Revenue growing at CAGR >5%
✗EPS growing at CAGR >5%
10-Year Financial History — SEC EDGAR 10-K Filings
Year▲Revenue▲Net Income▲FCF▲Owner Earnings▲ROE▲Net Margin▲LT Debt▲Cash▲
2016$70.8B$14.9B——6.6%21.1%$206.2B$160.5B
2017$72.4B-$6.8B——-3.4%-9.4%$236.7B$180.5B
2018$72.9B$18.0B$33.2B—9.2%24.8%$232.0B$188.1B
2019$75.1B$19.4B-$18.2B—10.0%25.8%$248.8B—
2020$75.5B$11.0B-$26.9B—5.5%14.6%$271.7B—
2021$71.9B$22.0B$43.0B—10.9%30.5%$254.4B—
2022$75.3B$14.8B$19.4B—7.4%19.7%$271.6B—
2023$78.1B$9.2B-$80.0B—4.5%11.8%$286.6B—
2024$80.7B$12.7B-$26.2B—6.1%15.7%$287.3B—
2025$85.2B$14.3B-$74.2B—6.7%16.8%$315.8B—

CITIGROUP INC (C)

Verdict: PASS

This company was marked as scanned because it failed the pre-analysis qualification gate.

Reason

fundamentals below threshold

Company failed all three quantitative pre-filter scorecards.

Scorecard

  • Buffett/Munger: 20/100
  • Peter Lynch: 20/100
  • Damodaran: 10/100
  • Top score: 20/100

Failed Checks

Buffett/Munger

  • FCF not consistently positive
  • ROE not consistently above 15%
  • Debt/Equity above 1.0
  • Revenue CAGR 1.1% — below 5% threshold

Peter Lynch

  • EPS CAGR 2.9% and Revenue CAGR 1.1% — no growth story
  • Revenue CAGR 1.1% — stagnant top line
  • FCF not consistently positive — earnings quality concern

Damodaran

  • ROIC ~2.7% below estimated WACC 9% — value destroyer
  • FCF not growing — weak DCF foundation
  • Revenue CAGR 1.1% — insufficient for compelling DCF narrative

Data sourced from SEC EDGAR XBRL filings (10-K only). For educational purposes — not investment advice.