Citigroup Inc.

SWX:C Stock Report

Market Cap: CHF 151.0b

Citigroup Valuation

Is C undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of C when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: C (CHF86.55) is trading below our estimate of future cash flow value (CHF202.63)

Significantly Below Future Cash Flow Value: C is trading below future cash flow value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for C?

Key metric: As C is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for C. This is calculated by dividing C's market cap by their current earnings.
What is C's PE Ratio?
PE Ratio14.7x
EarningsUS$13.02b
Market CapUS$191.59b

Price to Earnings Ratio vs Peers

How does C's PE Ratio compare to its peers?

The above table shows the PE ratio for C vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average16.1x
LLBN Liechtensteinische Landesbank
18xn/aCHF 3.0b
CBA Commonwealth Bank of Australia
28x2.47%AU$293.7b
WFC Wells Fargo
11.8x5.55%US$239.4b
600036 China Merchants Bank
6.5x4.06%CN¥1.0t
C Citigroup
14.7x10.75%CHF 191.6b

Price-To-Earnings vs Peers: C is good value based on its Price-To-Earnings Ratio (14.7x) compared to the peer average (16.2x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does C's PE Ratio compare vs other companies in the European Banks Industry?

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
C 14.7xIndustry Avg. 10.3xNo. of Companies39PE0612182430+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: C is expensive based on its Price-To-Earnings Ratio (14.7x) compared to the European Banks industry average (10.3x).

Price to Earnings Ratio vs Fair Ratio

What is C's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

C PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio14.7x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate C's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst C forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentCHF 86.55
CHF 105.49
+21.88%
8.09%CHF 119.82CHF 81.98n/a22
Mar ’27CHF 88.22
CHF 104.30
+18.22%
7.69%CHF 117.63CHF 80.48n/a22
Feb ’27CHF 88.35
CHF 102.30
+15.79%
7.21%CHF 114.83CHF 79.61n/a22
Jan ’27CHF 93.89
CHF 93.98
+0.095%
9.64%CHF 111.71CHF 71.31n/a21
Dec ’26n/a
CHF 92.35
0%
8.13%CHF 108.23CHF 72.69n/a21
Nov ’26n/a
CHF 91.54
0%
9.09%CHF 107.82CHF 65.98n/a21
Oct ’26n/a
CHF 85.94
0%
9.53%CHF 102.81CHF 65.35n/a21
Sep ’26n/a
CHF 81.02
0%
10.87%CHF 99.89CHF 62.03n/a20
Aug ’26n/a
CHF 81.03
0%
11.29%CHF 99.83CHF 61.99n/a21
Jul ’26n/a
CHF 69.24
0%
11.92%CHF 87.16CHF 55.47n/a21
Jun ’26n/a
CHF 69.27
0%
11.47%CHF 90.50CHF 57.59n/a21
May ’26n/a
CHF 68.98
0%
11.41%CHF 90.66CHF 57.69n/a20
Apr ’26n/a
CHF 79.67
0%
13.31%CHF 102.53CHF 61.87n/a19
Mar ’26n/a
CHF 82.18
0%
12.87%CHF 104.07CHF 62.80CHF 88.2219
Feb ’26n/a
CHF 83.18
0%
12.51%CHF 102.76CHF 63.66CHF 88.3518
Jan ’26n/a
CHF 71.76
0%
14.88%CHF 98.37CHF 59.02CHF 93.8919
Dec ’25n/a
CHF 68.01
0%
14.36%CHF 96.85CHF 58.11n/a19
Nov ’25n/a
CHF 63.79
0%
9.06%CHF 78.58CHF 55.26n/a19
Oct ’25n/a
CHF 61.54
0%
10.09%CHF 73.62CHF 53.31n/a19
Sep ’25n/a
CHF 61.23
0%
9.60%CHF 73.74CHF 52.55n/a20
Aug ’25CHF 68.05
CHF 63.15
-7.20%
9.65%CHF 75.13CHF 54.16n/a20
Jul ’25CHF 68.05
CHF 61.64
-9.42%
10.55%CHF 76.76CHF 49.67n/a22
Jun ’25CHF 68.05
CHF 61.25
-10.00%
10.25%CHF 77.63CHF 49.65n/a22
May ’25CHF 68.05
CHF 62.36
-8.36%
10.25%CHF 79.05CHF 50.55n/a22
Apr ’25CHF 68.05
CHF 57.62
-15.33%
13.44%CHF 79.60CHF 45.23n/a22
Mar ’25CHF 68.05
CHF 53.86
-20.86%
15.36%CHF 83.61CHF 37.85n/a23
CHF 105.75
Fair Value
18.2% undervalued intrinsic discount
22
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/03/23 11:31
End of Day Share Price 2026/03/20 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Citigroup Inc. is covered by 47 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Stephen BiggarArgus Research Company
Jason GoldbergBarclays
Jason GoldbergBarclays