US · C
Citigroup Inc.
- Sector
- Financial Services · Banks - Diversified
- Headquarters
- New York City, NY 10013
- Website
- citigroup.com
Price · as of 2025-12-31
$127.44
Market cap 197.21B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $126.72 | -0.56% |
| Intrinsic Value(DCF) | $98.29 | -22.87% |
| Graham-Dodd Method(GD) | $101.06 | -20.7% |
| Graham Formula(GF) | $53.23 | -58.23% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $25.27 | $60.85 | $45.30 | $70.84 | $0.00 |
| 2012 | $34.54 | $48.72 | $47.80 | $67.65 | $0.00 |
| 2013 | $36.74 | $64.51 | $57.24 | $80.02 | $51.21 |
| 2014 | $39.68 | $49.22 | $57.84 | $70.47 | $14.53 |
| 2015 | $31.99 | $35.90 | $67.08 | $88.86 | $31.29 |
| 2016 | $46.25 | $38.55 | $71.45 | $84.39 | $14.32 |
| 2017 | $58.15 | $44.22 | $68.92 | $32.44 | $0.00 |
| 2018 | $48.61 | $53.12 | $74.30 | $75.84 | $122.53 |
| 2019 | $49.34 | $43.92 | $81.57 | $82.88 | $124.59 |
| 2020 | $63.09 | $33.80 | $83.03 | $72.99 | $0.00 |
| 2021 | $46.81 | $47.30 | $94.63 | $104.51 | $0.00 |
| 2022 | $43.55 | $36.17 | $94.25 | $92.81 | $247.27 |
| 2023 | $54.18 | $62.25 | $184.53 | $79.43 | $290.40 |
| 2024 | $68.67 | $63.85 | $501.58 | $91.89 | $116.75 |
| 2025 | $111.45 | $126.72 | $147.91 | $101.06 | $53.23 |
AI valuation
Our deep-learning model estimates Citigroup Inc.'s (C) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $126.72
- Current price
- $127.44
- AI upside
- -0.56%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$98.29
-22.87% upside
Graham-Dodd
$101.06
-20.7% upside
Graham Formula
$53.23
-58.23% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| C | Citigroup Inc. | $127.44 | 197.21B | -1% | -23% | -21% | -58% | 14.35 | 0.96 | 1.21 | 10.53 | 82.10 | 1.07 | 44.55% | 11.78% | 8.48% | 6.72% | 5.22% | 0.56% | 3.37 | 0.24 | 0.48 | 0.48 | 15.86 | 1748.00% | -141.00% | -18515.00% | 10.98% | 0.02 | 8.05% | 2.65% | 38.00% | 11.64% | 12.27 | 10.92 | 1.45 | -0.11 |
| BAC | Bank of America Corporati… | $49.83 | 363.88B | -30% | -32% | -34% | -48% | 12.02 | 1.21 | 1.94 | -6.31 | 64.53 | 1.57 | 55.42% | 18.48% | 16.23% | 10.19% | 371.61% | 0.91% | 1.21 | 0.44 | 0.42 | 0.42 | 3.66 | 1863.00% | -191.00% | -24325.00% | 3.44% | 0.00 | 153.03% | 2.61% | 31.30% | 70.57% | -6.62 | -18.31 | -1.22 | -0.26 |
| HSBC | HSBC Holdings plc | $93.16 | 320.01B | -18% | +186% | -73% | -23% | 14.79 | 1.76 | 2.12 | 5.35 | — | 1.90 | 54.63% | 20.27% | 15.11% | 11.67% | 27.55% | 0.68% | 2.79 | 0.47 | 2.62 | 2.62 | 7.19 | -242.00% | 319.00% | -8471.00% | 3.00% | 0.04 | 11.52% | 4.32% | 63.90% | 5.47% | 5.19 | 16.56 | 1.05 | 0.36 |
| MUFG | Mitsubishi UFJ Financial … | $18.64 | 211.28B | -44% | +27% | -35% | +24% | 9.44 | 1.17 | 1.94 | -13.69 | 33.40 | 1.29 | 56.54% | 20.52% | 14.99% | 12.72% | -5.30% | 0.62% | 4.36 | 0.46 | 0.49 | 0.49 | -6.64 | 2827.00% | 1413.00% | -9563.00% | -1.87% | 0.00 | 1.23% | 2.21% | 20.90% | 3.95% | -15.92 | 90.18 | -3.27 | -0.34 |
| RY | Royal Bank of Canada | $167.23 | 234.95B | +114% | -45% | -73% | -37% | 16.33 | 2.39 | 2.42 | 34.89 | 64.13 | 2.96 | 45.26% | 18.67% | 14.82% | 15.30% | 2.63% | 0.91% | 6.00 | 0.36 | 0.13 | 0.13 | 26.02 | 2547.00% | 213.00% | 15398.00% | 15.92% | 0.04 | 6.84% | 2.65% | 43.20% | 6.70% | 39.08 | 18.92 | 7.30 | -0.45 |
| SAN | Banco Santander, S.A. | $12.36 | 182.47B | +169% | -61% | -1% | -94% | 11.23 | 1.54 | 1.32 | 28.35 | 86.47 | 1.85 | 40.05% | 15.58% | 11.76% | 13.98% | 3.07% | 0.76% | 4.47 | 0.31 | 2.57 | 0.00 | 21.11 | 1299.00% | -771.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 33.17 | — | 5.17 | 0.39 |
| TD | The Toronto-Dominion Bank | $97.36 | 164B | +109% | -38% | -59% | -52% | 11.01 | 1.77 | 1.95 | 28.09 | 7.60 | 2.14 | 49.01% | 20.67% | 17.73% | 16.90% | 3.47% | 0.99% | 5.19 | 0.44 | 0.12 | 0.12 | 20.93 | 14492.00% | -280.00% | -23607.00% | -31.75% | -0.04 | -12.14% | 3.39% | 37.30% | 12.60% | 30.64 | -10.22 | 6.33 | -0.61 |
| WFC | Wells Fargo & Company | $81.44 | 255.63B | -20% | -23% | -36% | -44% | 12.29 | 1.45 | 2.13 | 6.91 | 69.48 | 1.68 | 64.80% | 20.40% | 17.27% | 11.86% | 19.51% | 1.05% | 1.07 | 0.63 | 13.79 | 13.79 | 5.24 | 1769.00% | -149.00% | -72606.00% | -7.24% | -1.04 | -17.36% | 2.47% | 30.40% | 9.90% | 8.05 | -10.67 | 1.64 | 0.46 |
About Citigroup Inc.
Citigroup Inc., a diversified financial services holding company, provides various financial products and services to consumers, corporations, governments, and institutions in North America, Latin America, Asia, Europe, the Middle East, and Africa. The company operates in two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, Citi-branded cards, and Citi retail services. It also provides various banking, credit card, lending, and investment services through a network of local branches, offices, and electronic delivery systems. The ICG segment offers wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime brokerage, derivative, equity and fixed income research, corporate lending, investment banking and advisory, private banking, cash management, trade finance, and securities services to corporate, institutional, public sector, and high-net-worth clients. As of December 31, 2020, it operated 2,303 branches primarily in the United States, Mexico, and Asia. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.
- CEO
- Jane Nind Fraser
- Employees
- 229K
- Beta
- 1.14
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($98.29 ÷ $127.44) − 1 = -22.87% (DCF, example).