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Compare Stocks › C vs GOOGL

Citigroup Inc. (C) vs Alphabet Inc. (GOOGL)

C
Citigroup Inc.
$127.44
VS
GOOGL
Alphabet Inc.
$385.69

Rewards

C
  • ★Citigroup Inc. scores 83/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
  • ★PEG ratio of 0.28 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
GOOGL
  • ★Alphabet Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★Gross margin of 60.4% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Alphabet Inc. scores 89/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.

Risks

C
  • ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
  • ⚠Trailing P/E of 15.8x is 34% above the historical average of 11.8x — the stock trades at a premium to its own history.
  • ⚠Altman Z-Score of 0.20 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
GOOGL
  • ⚠FCF yield of 1.6% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.

Key Valuation Metrics

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C
GOOGL
Valuation
N/A
Free Cash Flow
$73.27B
N/A
FCF Yield
1.57%
15.75
Trailing P/E
29.42
10.27
Forward P/E
27.06
Quality & Moat
2.83%
ROIC
20.98%
N/A
ROE
27.61%
0.00%
Gross Margin
60.37%
0.28
PEG Ratio
0.36
Balance Sheet Safety
N/A
Debt / Equity
0.20
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
-0.19
1.88%
Dividend Yield
0.22%
C: 4Ties: 1GOOGL: 2
CGOOGL

Historical Fundamentals

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C

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

GOOGL

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

$1 Retained Earnings Test

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C
$5.69
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$20.43B
Δ Market Cap
+$116.31B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
GOOGL
$9.18
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$288.67B
Δ Market Cap
+$2.65T
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Discounted Cash Flow (DCF) Analysis

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C
78.7% Margin of Safety
Price is 78.7% below estimated fair value
Current Price: $127.44
Fair Value: $598.05
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
GOOGL
241.8% Overvalued
Price is 241.8% above estimated fair value
Current Price: $385.69
Fair Value: $112.84
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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C

Requires positive FCF to compute implied growth rate.

GOOGL

What growth rate is the market pricing in at $386?

+23.5%
Market-Implied FCF Growth Rate

Market pricing in significantly higher growth than history — aggressive.

Economic Moat Score

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C
83/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by revenue predictability. Margin Stability is the area most vulnerable to competitive pressure.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
GOOGL
89/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by roic consistency. Reinvestment Efficiency is the area most vulnerable to competitive pressure.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.

Forensic Accounting

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C
-2.11
Possible Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
GOOGL
-2.92
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Ownership Breakdown

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C
Insiders 0.3%Institutions 83.0%Retail & Other 16.8%
No. of Institutional Holders3,124
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
GOOGL
Insiders 0.6%Institutions 80.8%Retail & Other 18.6%
No. of Institutional Holders7,168
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

Insider Buying Activity

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C
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
GOOGL
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises

Open market purchases · includes direct & indirect ownership · excludes option exercises.

Insider Selling Activity

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C
7
Sells (3M)
8
Sells (12M)
Total value (12M): $15.57M
SKYLER EDWARD
Officer
$3.29M
@ $131.41 · 2026-04-15
GILES NICOLE M.
Officer
$1.68M
@ $131.80 · 2026-04-15
MASON MARK A.L.
Chief Financial Officer
$416,045
@ $114.71 · 2026-02-20
LUCHETTI GONZALO
Officer
$2.30M
@ $115.03 · 2026-02-12
HABNER PAMELA
Officer
$3.49M
@ $117.26 · 2026-02-12
GARG SUNIL
Officer
$2.13M
@ $118.49 · 2026-02-11
GILES NICOLE M.
Officer
$2.00M
@ $119.04 · 2026-02-11
HENRY PETER B
Director
$271,209
@ $90.40 · 2025-07-16
DUGAN JOHN CUNNINGHAM
Director
$301,493
@ $68.26 · 2025-04-30
SKYLER EDWARD
Officer
$2.93M
@ $82.41 · 2025-02-14
MASON MARK A.L.
Chief Financial Officer
$4.86M
@ $83.21 · 2025-02-14
SELVAKESARI ANAND
Chief Operating Officer
$2.43M
@ $81.10 · 2025-02-13
MCINTOSH BRENT
Officer
$1.62M
@ $81.22 · 2025-02-13
LUCHETTI GONZALO
Officer
$1.33M
@ $81.36 · 2025-02-13
KHALIQ SYED SHAHMIR
Officer
$2.45M
@ $81.70 · 2025-02-13
WECHTER SARA
Officer
$1.23M
@ $81.01 · 2025-02-13
HENRY PETER B
Director
$909,675
@ $69.97 · 2024-11-11
LUCHETTI GONZALO
Officer
$816,314
@ $61.59 · 2024-08-20
OKPARA JOHNBULL
Officer
$1.53M
@ $60.57 · 2024-08-15
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
GOOGL
0
Sells (3M)
0
Sells (12M)
No open market insider sales found.
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.

🎭 Mr. Market's Mood

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C
FearGreed
😏Greed(64/100)

"Market is optimistic — be cautious and ensure you have a margin of safety"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
GOOGL
FearGreed
😏Greed(73/100)

"Market is optimistic — be cautious and ensure you have a margin of safety"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

⚖️ Buffett Signal

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C
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Greed (64)
GOOGL
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Greed (73)
View C Full AnalysisView GOOGL Full Analysis