Citigroup Inc.
NYSE: C · FINANCIAL SERVICES · BANKS - DIVERSIFIED
Updated 2026-06-12
Citigroup Inc. (C) Stock Valuation Analysis
Fair value estimate, historical valuation range, and quality signals for C.
Valued
Fundamentals support the current valuation. Strong combination of growth, quality, and price.
C historical valuation range
Where current P/E sits in C's own 5Y range.
C intrinsic value (DCF)
DCF-based fair value estimate vs current market price.
Standard discounted cash flow models produce unreliable output for unprofitable or near-breakeven companies. Revenue-based multiples such as P/S and EV/Sales, combined with the historical valuation position above, give a more reliable read for this stock.
Intrinsic value calculated using discounted cash flow (DCF) model based on projected free cash flows, discount rate, and terminal growth assumptions. A positive margin of safety indicates the current price is below estimated fair value, providing a cushion against estimation error.
C valuation signals
Quick-read green flags, caution flags, and risks based on current metrics.
P/E Ratio — History
Current: 16.23x
P/S Ratio — History
Current: 2.84x
Is C overvalued in 2026?
Citigroup Inc. (C) currently trades at $139.83 per share with a market capitalization of $223,874,023,000.00. Based on our multi-factor framework, the stock looks attractively valued with a Smart Value Score of 82/100. This score blends growth quality, financial health, and price attractiveness into a single institutional-grade read.
The stock trades at a P/E ratio of 16.2x, above its 5-year median of 15.2x. The PEG ratio of 0.72 suggests earnings growth is outpacing the multiple, a classic sign of undervaluation.
Looking at its own history, C is currently trading more expensive than 83% of the last 5Y on P/E. This places it in the 83th percentile of its historical range, a zone where forward returns have typically been muted.
A standard DCF model does not produce reliable output for C under current conditions. For unprofitable or near-breakeven companies, revenue-based multiples such as EV/Sales and historical P/S percentile are more informative than intrinsic value calculations.
The Piotroski F-Score of 4/9 puts financial quality in a middling range, neither a standout strength nor an obvious red flag.
Bottom line: C looks attractively valued on our framework, with a Smart Value Score of 82/100. The combination of reasonable price, healthy growth, and quality fundamentals makes it worth serious consideration.
Frequently asked questions
Is C overvalued?
C scores 82/100 on our Smart Value Score (Grade A), a strong overall profile. A standard DCF is unreliable here given the profitability profile, so valuation leans on revenue-based measures like EV/Sales and the P/S percentile below.
What is C's fair value?
A standard DCF is unreliable for C given its current profitability profile. Revenue-based approaches like EV/Sales or the historical P/S percentile are more informative for this stock.
What P/E ratio does C trade at?
C trades at a P/E of 16.2x on trailing twelve-month earnings, against a 5-year median of 15.2x. P/E is what you pay per dollar of profit, and sitting above its own median means the stock is pricier than usual relative to its earnings.
Is C a buy based on valuation?
Our Smart Value rating for C is Strong Buy, from a Smart Value Score of 82/100 that blends growth, quality, and valuation. The rating leans on growth and financial strength, and valuation is usually the weakest leg for a name scoring this high. This is research to inform your decision, not personalized financial advice.
How does C's valuation compare to its history?
On P/E, C sits in the 83rd percentile of its own 5Y range, historically expensive relative to where it has traded. A high percentile means today's multiple is near the top of its historical band.
What is C's Smart Value Score?
C's Smart Value Score is 82/100. It is a proprietary WallStSmart metric blending growth quality, financial health, and valuation into a single 0-100 read, and scores above 75 are rare, signaling strong multi-factor alignment.