A first draft, for you to edit
What you would be watching on C
This would already have written to you once. Revenue Growth 1Y was -4.79% in 2021, past the line below, and the filing landed 2022-02-28.
Citigroup Inc. on NYSE. Every line below is a multiple of this company’s own current figure. It is yours to accept, edit or drop.
| The number | Today | Your line | Room | Last broke |
|---|---|---|---|---|
| Revenue Growth 1Ystays at or above 0% | 5.58% | 0% | 5.58% | 2021at -4.79%, filed 2022-02-28 |
| Dividend Ratestays at or above $2.65 | $2.68 | $2.65 | $0.03 | No test against the past |
One of these would have written to you: the year in the last column is the most recent fiscal year that rule was false, read from the annual accounts this company filed with the SEC.
What this cannot tell you
What the numbers say today, not the day one stops being true. The reasons are not written down.
An account adds
One email the night a number you wrote down breaks. Silence otherwise.
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How this is computedNo account and no password. The address is used for this answer and nothing else.
What this draft cannot do(9 noted)
- Dividend Rate is watched every night and has no honest test against the past. This indicator depends on inputs (market price, multi-statement composites) whose history is not deep enough to re-derive it with the same formula as the live value, so no honest retro-test exists for it.
- Return on Invested Capital was not proposed. Invested capital is equity plus debt less cash. A financial company's debt and cash are operating positions, so returns measured against that base are not comparable to an operating business.
- Debt to Equity was not proposed. A bank's deposits are its raw material, not borrowings. Debt to equity computed over a deposit-funded balance sheet says nothing about solvency. Use the equity to assets ratio instead.
- Price stays below your value was not proposed. A margin of safety is measured against your own estimate of what the company is worth: a target price you write on the thesis, or a discounted cash flow you save. Neither exists without an account, and we will not stand a number of our own in its place.
- Shares Outstanding (filed) was not proposed. We do not hold this figure for this company, so there is nothing to show.
- Current Ratio was not proposed. Banks and insurers present an unclassified balance sheet under Regulation S-X, with no split between current and non-current. A current ratio needs that split, so there is none to show.
- Free Cash Flow Yield was not proposed. For a bank, an insurer, a broker or investment firm, or a mortgage trust, operating cash flow swings with the size of the loan, trading and funding book rather than with operating performance, so free cash flow is not the measure of the business. Look at earnings and capital adequacy.
- Gross Margin was not proposed. No gross profit line is filed for this year.
- Altman Z-Score was not proposed. Altman's Z-Score was estimated on manufacturers and explicitly excludes financial firms. A financial company scores in the distress zone by construction, so the number would be wrong rather than alarming. Not applicable to financials.
- 29 further fiscal years are on record here and not printed above, because they came from a commercial data feed rather than from a filing you can open.
Every line below is a multiple of this company's own current figure, offered for you to accept or edit, not a recommendation and not advice. Computed from accounts filed with the SEC. Past filings do not indicate future results. Risk disclaimer.