Citigroup Inc (C) Fair Value & Analysis

Financial Services · US · Market cap $227B

A solid business, but screening 19% overvalued on our models.

What matters now

• Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.

How to read this chart

60‑month range $35.06 – $145.67 · fair‑value band $81.56 – $135.94 · the $133.82 price screens above the $108.75 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.

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Analysis

Citigroup Inc (C) currently trades at $133.82, while our model-based Fair Value estimate is $108.75, implying the stock looks roughly 18.7% overvalued today. We read business quality at 54/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Citigroup Inc generated revenue of $78.7B at a net margin of 20.4%. Revenue grew 15.9% year over year. It earns a return on equity of 7.7%. Net debt stands at $366B. Fundamentals as of Jul 16, 2026

Our scenario range runs from $81.56 (bear case) to $135.94 (bull case); at $133.82, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 1% below its 52-week high and 80% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 16% fair-value upside, at -19%, C screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($167.31) versus Earnings-Based ($46.60). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

Citigroup Inc., a diversified financial service holding company, provides various financial products and services to consumers, corporations, governments, and institutions. It operates through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth.

Full company description

Citigroup Inc., a diversified financial service holding company, provides various financial products and services to consumers, corporations, governments, and institutions. It operates through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth. The Services segment includes treasury and trade solutions, which provides cash management, trade, and working capital solutions to multinational corporations, financial institutions, and public sector organizations; and securities services, such as cross-border support for clients, local market expertise, post-trade technologies, data solutions, and various securities services solutions. The Markets segment offers sales and trading services for equities, foreign exchange, rates, spread products, and commodities to corporate, institutional, and public sector clients; and market-making services, including asset classes, risk management solutions, financing, and prime brokerage. The Banking segment includes investment banking services comprising equity and debt capital markets-related strategic financing solutions; advisory services related to mergers and acquisitions, divestitures, restructurings, and corporate defense activities; and corporate lending consists of corporate and commercial banking. The U.S. Personal Banking segment provides proprietary and co-branded card portfolios; and traditional banking services to retail and small business customers. The Wealth segment offers financial services to high-net-worth clients through banking, lending, mortgages, investment, custody, and trust product offerings; professional industries, including law firms, consulting groups, accounting, and asset management; and affluent and high net worth clients. The company operates in North America, the United Kingdom, Japan, North and South Asia, Australia, Europe, the Middle East, and Africa. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Citigroup Inc reported revenue of $168B in FY2025 versus $79.9B in FY2021, a compound +20.5%/yr. Reported net income was $14.3B in FY2025, compounding −10.2%/yr from FY2021.

C screens 19% overvalued. Compare with JPMorgan Chase & Co →

Peer Group

Banks - Diversified · 47 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Diversified median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Insider activity: 44/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.