Citigroup Valuation

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

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair 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.

Below Fair Value: C ($59.68) is trading below our estimate of fair value ($103.44)

Significantly Below Fair Value: C is trading below fair value by more than 20%.


Key Valuation Metric

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

Other financial metrics that can be useful for relative valuation.

C key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio0.6x

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 Average11.8x
WFC Wells Fargo
11.2x3.6%US$197.7b
USB U.S. Bancorp
12.8x10.5%US$64.8b
PNC PNC Financial Services Group
11.7x6.5%US$59.9b
BAC Bank of America
11.4x3.8%US$282.4b
C Citigroup
17.2x28.2%US$113.8b

Price-To-Earnings vs Peers: C is expensive based on its Price-To-Earnings Ratio (17.2x) compared to the peer average (11.8x).


Price to Earnings Ratio vs Industry

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

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a6.4%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a6.4%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: C is expensive based on its Price-To-Earnings Ratio (17.2x) compared to the US Banks industry average (9.2x).


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 Ratio17.2x
Fair PE Ratio21.6x

Price-To-Earnings vs Fair Ratio: C is good value based on its Price-To-Earnings Ratio (17.2x) compared to the estimated Fair Price-To-Earnings Ratio (21.6x).


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
CurrentUS$59.68
US$66.61
+11.6%
11.7%US$88.00US$50.00n/a22
Apr ’25US$63.46
US$63.70
+0.4%
13.4%US$88.00US$50.00n/a22
Mar ’25US$55.60
US$61.23
+10.1%
15.3%US$95.00US$43.00n/a23
Feb ’25US$56.06
US$60.63
+8.1%
16.0%US$95.00US$43.00n/a23
Jan ’25US$51.44
US$53.91
+4.8%
20.3%US$85.00US$40.00n/a23
Dec ’24US$47.23
US$50.46
+6.8%
20.6%US$85.00US$40.00n/a23
Nov ’24US$39.60
US$50.89
+28.5%
19.5%US$82.00US$42.00n/a22
Oct ’24US$41.13
US$52.57
+27.8%
17.3%US$81.00US$43.00n/a22
Sep ’24US$41.59
US$53.32
+28.2%
17.6%US$85.00US$43.00n/a22
Aug ’24US$47.07
US$54.55
+15.9%
18.1%US$88.00US$45.00n/a22
Jul ’24US$46.04
US$55.89
+21.4%
17.2%US$84.00US$45.00n/a22
Jun ’24US$44.84
US$55.83
+24.5%
16.4%US$79.00US$45.00n/a22
May ’24US$47.25
US$56.74
+20.1%
15.3%US$78.00US$45.00n/a22
Apr ’24US$46.89
US$56.07
+19.6%
16.5%US$75.00US$41.00US$63.4622
Mar ’24US$51.50
US$56.98
+10.6%
18.3%US$87.00US$41.00US$55.6022
Feb ’24US$52.15
US$56.59
+8.5%
17.8%US$83.00US$41.00US$56.0622
Jan ’24US$45.23
US$55.91
+23.6%
20.2%US$87.00US$42.00US$51.4423
Dec ’23US$47.78
US$56.30
+17.8%
21.1%US$90.00US$42.00US$47.2322
Nov ’23US$46.22
US$55.59
+20.3%
19.3%US$79.00US$42.00US$39.6022
Oct ’23US$41.67
US$60.27
+44.6%
17.8%US$92.00US$46.00US$41.1322
Sep ’23US$48.75
US$60.27
+23.6%
16.6%US$92.00US$46.00US$41.5922
Aug ’23US$51.92
US$59.79
+15.1%
16.6%US$92.00US$46.00US$47.0724
Jul ’23US$46.87
US$60.85
+29.8%
15.9%US$81.00US$39.00US$46.0424
Jun ’23US$52.39
US$64.47
+23.1%
14.3%US$93.00US$53.00US$44.8424
May ’23US$48.21
US$65.15
+35.1%
15.2%US$99.00US$53.00US$47.2524
Apr ’23US$52.33
US$70.50
+34.7%
15.1%US$100.00US$55.00US$46.8924

Analyst Forecast: Target price is less than 20% higher than the current share price.


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