` Comparison: C vs GS - Alpha Spread

C
vs
GS

Over the past 12 months, C has underperformed GS, delivering a return of 0% compared to the GS's +48% growth.

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C
GS
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Valuation Comparison

C Intrinsic Value
55.7 USD
Undervaluation 9%
Intrinsic Value
Price
GS Intrinsic Value
1 625.61 USD
Undervaluation 43%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Citigroup Inc
SGO:C
50.49 USD
Goldman Sachs Group Inc
NYSE:GS
919.77 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
C, GS

Revenue
www.alphaspread.com
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Citigroup Inc
Revenue
Goldman Sachs Group Inc
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
C, GS

Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Citigroup Inc
SGO:C
FCF is not applicable for financial companies
Goldman Sachs Group Inc
NYSE:GS
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What is Free Cash Flow?

Gross Margin

C
GS
40.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Citigroup Inc
Not applicable for financial companies
Goldman Sachs Group Inc

Operating Margin

C
GS
17.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Citigroup Inc
Not applicable for financial companies
Goldman Sachs Group Inc

Net Margin

C
15.3%
GS
13%

FCF Margin

C
GS
12.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Citigroup Inc
Not applicable for financial companies
Goldman Sachs Group Inc

ROE

C
6.2%
GS
13.2%

ROA

C
0.5%
GS
0.9%

ROIC

C
GS
1.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Citigroup Inc
Not applicable for financial companies
Goldman Sachs Group Inc

ROCE

C
GS
3.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Citigroup Inc
Not applicable for financial companies
Goldman Sachs Group Inc

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
C, GS

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Performance Gap
C, GS

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C
GS
Difference
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Performance By Year
C, GS

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