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Citigroup's structural shrinkage unlocks shareholder value

The bull case argued for Citigroup is that its multi-year strategy of shrinking its footprint to focus on core profitability is successfully driving outperformance.

The argument

The hosts highlighted that Citigroup has outperformed JPMorgan over a three-year period. They attributed this turnaround to CEO Jane Fraser's aggressive divestment of 25 non-core businesses, which streamlined the bank's operations and helped it 'shrink to grow.'

The thesis, stress-tested
✓ What validates it
  • Continued asset sales and business unit divestitures under Jane Fraser
  • Sustained quarterly earnings outperformance relative to large-cap peers
▸ Risks discussed
  • Historical dilution from the financial crisis limits absolute recovery to pre-2007 highs
Hear it yourself
"Like, they sold 25 businesses under Jane Fraser before she was even the CEO. She really did it. And they're they're both the She's running m and a for Citi, and she was just selling everything she could, and they shrank to grow, and it worked."
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C: Citigroup's structural shrinkage unlocks shareholder value · Zortix