Citigroup Inc. (C)vsNewtekOne, Inc. (NEWT)
C
Citigroup Inc.
$125.55
-2.74%
FINANCIAL SERVICES · Cap: $222.93B
NEWT
NewtekOne, Inc.
$13.67
+1.41%
FINANCIAL SERVICES · Cap: $373.37M
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 19933% more annual revenue ($78.73B vs $393.01M). C leads profitability with a 20.4% profit margin vs 16.4%. 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-
NEWT
Strong Buy73
out of 100
Grade: B
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 52.3%
Earnings expanding 22.9% YoY
Areas to Watch
ROE of 7.7% — below average capital efficiency
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
Elevated debt levels
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 : NEWT
The strongest argument for NEWT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 52.3%. Revenue growth of 10.7% demonstrates continued momentum.
Bear Case : C
The primary concerns for C are Return on Equity.
Bear Case : NEWT
The primary concerns for NEWT are Market Cap, Piotroski F-Score, PEG Ratio. Debt-to-equity of 5.64 is elevated, increasing financial risk.
Key Dynamics to Monitor
C profiles as a growth stock while NEWT is a mature play — different risk/reward profiles.
NEWT carries more volatility with a beta of 1.35 — 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 73/100), backed by strong 20.4% margins and 16.9% revenue growth. Both earn "Exceptional 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.
NewtekOne, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Newtek Business Services Corp (NEWT) is a leading provider of integrated business solutions specifically designed for small to medium-sized enterprises (SMBs) in the U.S. With a diverse portfolio that includes payment processing, business lending, and cutting-edge technology services, the company enhances operational efficiency and supports growth for its clients. Newtek's focus on exceptional customer service and strategic partnerships positions it as a crucial ally for SMBs navigating competitive challenges. Committed to innovation and long-lasting client relationships, Newtek aims to drive sustainable success in an evolving market landscape.
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