Citigroup Inc. (C)vsStepstone Group Inc (STEP)
C
Citigroup Inc.
$127.97
+0.28%
FINANCIAL SERVICES · Cap: $223.88B
STEP
Stepstone Group Inc
$52.90
+3.54%
FINANCIAL SERVICES · Cap: $6.39B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 4316% more annual revenue ($78.73B vs $1.78B). C leads profitability with a 20.4% profit margin vs -30.7%. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
STEP
Avoid33
out of 100
Grade: F
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
Revenue surging 73.0% year-over-year
Conservative balance sheet, low leverage
Areas to Watch
ROE of 7.7% — below average capital efficiency
Weak financial health signals
ROE of -65.1% — below average capital efficiency
Earnings declined 38.5%
Distress zone — elevated risk
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 : STEP
The strongest argument for STEP centers on Revenue Growth, Debt/Equity. Revenue growth of 73.0% demonstrates continued momentum.
Bear Case : C
The primary concerns for C are Return on Equity.
Bear Case : STEP
The primary concerns for STEP are Piotroski F-Score, Return on Equity, EPS Growth.
Key Dynamics to Monitor
C profiles as a growth stock while STEP is a hypergrowth play — different risk/reward profiles.
STEP carries more volatility with a beta of 1.31 — expect wider price swings.
STEP is growing revenue faster at 73.0% — 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 33/100), backed by strong 20.4% margins and 16.9% revenue growth. Both earn "Exceptional Buy" and "Avoid" 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.
Stepstone Group Inc
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
Stepstone Group Inc. (STEP) is a premier global private markets investment firm, recognized for its expertise in providing customized investment solutions to institutional investors. Specializing in private equity, real estate, infrastructure, and private debt, the firm leverages a vast network and profound industry insights to identify and access high-quality investment opportunities. Committed to enhancing client portfolios through strategic asset allocation and meticulous due diligence, Stepstone is backed by a team of seasoned professionals and cutting-edge technology, enabling it to adeptly manage the intricacies of private markets and deliver sustainable long-term value.
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