Citigroup Inc.
NYSE: C · FINANCIAL SERVICES · BANKS - DIVERSIFIED
Updated 2026-04-30
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: 15.82x
P/S Ratio — History
Current: 2.84x
Is C overvalued in 2026?
Citigroup Inc. (C) currently trades at $127.97 per share with a market capitalization of $223,877,857,000.00. 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 15.8x, above its 5-year median of 15.1x. 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 74% of the last 5Y on P/E. This places it in the 74th percentile of its historical range, a reasonable but unremarkable position.
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.
Financial quality is a concern. The Piotroski F-Score of 0/9 flags weakening fundamentals that deserve closer scrutiny before the valuation case can be fully trusted.
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 in 2026?
Based on a Smart Value Score of 82/100, C is not overvalued. Fundamentals support the current price and offer reasonable margin of safety.
What is C's fair value?
Standard DCF is unreliable for C due to its current profitability profile. Revenue-based approaches such as EV/Sales or 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 15.8x on trailing twelve-month earnings, compared to its 5-year median of 15.1x.
Is C a buy based on valuation?
WallStSmart does not issue buy or sell recommendations. Our Smart Value Score of 82/100 reflects the combined read on growth, quality, and price. The profile skews favorable for long-term accumulation.
How does C's valuation compare to its history?
On P/E, C currently sits in the 74th percentile of its own 5Y range. That is above its long-run median relative to where it has traded over the period.
What is C's Smart Value Score?
C's Smart Value Score is 82/100. The Smart Value Score is a proprietary WallStSmart metric blending growth quality, financial health, and valuation attractiveness into a single 0-100 read. Scores above 75 are rare and indicate strong multi-factor alignment.