Citigroup Inc. (C)vsLive Ventures Inc (LIVE)
C
Citigroup Inc.
$113.74
+1.88%
FINANCIAL SERVICES · Cap: $191.59B
LIVE
Live Ventures Inc
$13.51
+7.91%
CONSUMER CYCLICAL · Cap: $39.93M
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 17031% more annual revenue ($75.72B vs $441.98M). C leads profitability with a 18.9% profit margin vs 5.0%. LIVE trades at a lower P/E of 2.7x. C earns a higher WallStSmart Score of 65/100 (B-).
C
Strong Buy65
out of 100
Grade: B-
LIVE
Hold44
out of 100
Grade: D
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
+39.6%
Fair Value
$32.30
Current Price
$13.51
$18.79 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
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 26 in profit
Areas to Watch
4.4% revenue growth
ROE of 6.8% — below average capital efficiency
Earnings declined 10.8%
Smaller company, higher risk/reward
5.0% margin — thin
Operating margin of 3.2%
Elevated debt levels
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 : LIVE
The strongest argument for LIVE centers on P/E Ratio, Price/Book, Return on Equity.
Bear Case : C
The primary concerns for C are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : LIVE
The primary concerns for LIVE are Market Cap, Profit Margin, Operating Margin.
Key Dynamics to Monitor
C carries more volatility with a beta of 1.13 — expect wider price swings.
C is growing revenue faster at 4.4% — sustainability is the question.
C generates stronger free cash flow (2.0B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
C scores higher overall (65/100 vs 44/100), backed by strong 18.9% margins. LIVE offers better value entry with a 39.6% margin of safety. Both earn "Strong Buy" and "Hold" 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.
Live Ventures Inc
CONSUMER CYCLICAL · HOME IMPROVEMENT RETAIL · USA
Live Ventures Incorporated is engaged in flooring manufacturing, steel fabrication and retail businesses in the United States. The company is headquartered in Las Vegas, Nevada.
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