WallStSmart

Citigroup Inc. (C)vsT. Rowe Price Group Inc (TROW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Citigroup Inc. generates 976% more annual revenue ($78.73B vs $7.31B). TROW leads profitability with a 28.5% profit margin vs 20.4%. C appears more attractively valued with a PEG of 0.71. C earns a higher WallStSmart Score of 82/100 (A-).

C

Exceptional Buy

82

out of 100

Grade: A-

Growth: 8.7Profit: 6.5Value: 7.0Quality: 5.0

TROW

Buy

64

out of 100

Grade: C+

Growth: 4.7Profit: 9.0Value: 5.7Quality: 4.8
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

C6 strengths · Avg: 9.5/10
Market CapQuality
$223.88B10/10

Mega-cap, among the largest globally

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
34.1%10/10

Strong operational efficiency at 34.1%

EPS GrowthGrowth
56.1%10/10

Earnings expanding 56.1% YoY

Profit MarginProfitability
20.4%9/10

Keeps 20 of every $100 in revenue as profit

PEG RatioValuation
0.718/10

Growing faster than its price suggests

TROW4 strengths · Avg: 9.3/10
P/E RatioValuation
10.9x10/10

Attractively priced relative to earnings

Operating MarginProfitability
32.2%10/10

Strong operational efficiency at 32.2%

Profit MarginProfitability
28.5%9/10

Keeps 29 of every $100 in revenue as profit

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Areas to Watch

C1 concerns · Avg: 3.0/10
Return on EquityProfitability
7.7%3/10

ROE of 7.7% — below average capital efficiency

TROW4 concerns · Avg: 2.8/10
EPS GrowthGrowth
3.6%4/10

3.6% earnings growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
12.502/10

Expensive relative to growth rate

Free Cash FlowQuality
$-85.40M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull 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 : TROW

The strongest argument for TROW centers on P/E Ratio, Operating Margin, Profit Margin. Profitability is solid with margins at 28.5% and operating margin at 32.2%.

Bear Case : C

The primary concerns for C are Return on Equity.

Bear Case : TROW

The primary concerns for TROW are EPS Growth, Piotroski F-Score, PEG Ratio.

Key Dynamics to Monitor

C profiles as a growth stock while TROW is a mature play — different risk/reward profiles.

TROW carries more volatility with a beta of 1.52 — 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 64/100), 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.

T. Rowe Price Group Inc

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

T. Rowe Price Group, Inc. is an American publicly owned global investment management firm that offers funds, advisory services, account management, and retirement plans and services for individuals, institutions, and financial intermediaries.

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