Citigroup Inc. (C)vsCPI Card Group Inc (PMTS)
C
Citigroup Inc.
$127.97
+0.28%
FINANCIAL SERVICES · Cap: $223.88B
PMTS
CPI Card Group Inc
$16.94
-6.72%
FINANCIAL SERVICES · Cap: $194.14M
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 14386% more annual revenue ($78.73B vs $543.53M). C leads profitability with a 20.4% profit margin vs 2.8%. PMTS appears more attractively valued with a PEG of 0.57. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
PMTS
Buy52
out of 100
Grade: C-
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
Growing faster than its price suggests
Attractively priced relative to earnings
Revenue surging 22.3% year-over-year
Areas to Watch
ROE of 7.7% — below average capital efficiency
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
2.8% margin — thin
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 : PMTS
The strongest argument for PMTS centers on PEG Ratio, P/E Ratio, Revenue Growth. Revenue growth of 22.3% demonstrates continued momentum. PEG of 0.57 suggests the stock is reasonably priced for its growth.
Bear Case : C
The primary concerns for C are Return on Equity.
Bear Case : PMTS
The primary concerns for PMTS are Market Cap, Return on Equity, Profit Margin. Thin 2.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
C carries more volatility with a beta of 1.08 — expect wider price swings.
PMTS is growing revenue faster at 22.3% — 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 (82/100 vs 52/100), backed by strong 20.4% margins and 16.9% revenue growth. Both earn "Exceptional Buy" and "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.
CPI Card Group Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
CPI Card Group Inc. is dedicated to the design, production, data personalization, packaging and fulfillment of financial payment cards. The company is headquartered in Littleton, Colorado.
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