Citigroup Inc (CTGP34) Fair Value & Analysis
Financial Services · BR · Market cap R$1.2T
Fair value as of: Jul 13, 2026
From 16 valuation models · updated 12 days ago
Share price −10.7% over the past month.
Price vs Fair Value (12 months)
12‑month range R$81.34 – R$125.05 · fair‑value band R$13.63 – R$22.72 · the R$111.27 price screens above the R$18.17 fair value. As of Jul 13, 2026.
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Citigroup Inc (CTGP34) currently trades at R$111.27, while our model-based Fair Value estimate is R$18.17, implying the stock looks roughly 83.7% overvalued today. We read business quality at 51/100 (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 R$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 R$18.1B. Fundamentals as of Jul 13, 2026
Our scenario range runs from R$13.63 (bear case) to R$22.72 (bull case); at R$111.27, the current price sits above that range. The share trades about 4% below its 52-week high and 61% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -20% fair-value upside, at -84%, CTGP34 screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 13, 2026. TTM = trailing twelve months.
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. 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 …
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Citigroup Inc reported revenue of R$85.2B in FY2025 versus R$71.9B in FY2021, a compound +4.3%/yr. Reported net income was R$14.3B in FY2025, compounding −10.2%/yr from FY2021.
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Recent news
- Citigroup-Led Bank Group Plans Debt Deal for Veritas’ BGIS Buy
- Zacks Market Edge Highlights: Goldman Sachs, Wells Fargo, JPMorgan Chase , Citigroup and Bank of America
- Citigroup and J&J Snack have been highlighted as Zacks Bull and Bear of the Day
- How Does Citigroup Plan to Achieve Its Medium-Term ROTCE Target?
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection, not financial advice.
Similar stocks
10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| JPMorgan Chase & Co JPMC34 | R$159.82 | R$80.62 | -50% |
| Bank of America Corporation NCB | €44.04 | €3.95 | -91% |
| Industrial and Commercial Bank of China Limited IDCBY | $17.83 | $35.66 | +100% |
| China Construction Bank Corporation 601939 | ¥9.49 | ¥17.20 | +81% |
| HSBC Holdings H1SB34 | R$117.23 | R$84.54 | -28% |
| Agricultural Bank of China Limited 601288 | ¥6.36 | ¥12.72 | +100% |
| Royal Bank of Canada RY | C$286.80 | C$210.57 | -27% |
| Bank of China Limited 601988 | ¥6.22 | ¥12.44 | +100% |
| Wells Fargo & Company WFCO34 | R$108.03 | R$17.54 | -84% |
| Mitsubishi UFJ Financial Group M1UF34 | R$109.56 | R$87.58 | -20% |
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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.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.