C Relative Valuation
C's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, C is overvalued; if below, it's undervalued.
Historical Valuation
Citigroup Inc (C) is now in the Overvalued zone, suggesting that its current forward PE ratio of 12.69 is considered Overvalued compared with the five-year average of 9.08. The fair price of Citigroup Inc (C) is between 84.28 to 104.85 according to relative valuation methord. Compared to the current price of 121.62 USD , Citigroup Inc is Overvalued By 16%.
Relative Value
Fair Zone
84.28-104.85
Current Price：121.62
16%
Overvalued
12.69
PE
1Y
3Y
5Y
0.00
EV/EBITDA
Citigroup Inc. (C) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
NaN
EV/EBIT
Citigroup Inc. (C) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.
2.41
PS
Citigroup Inc. (C) has a current PS of 2.41. The 5-year average PS is 1.57. The thresholds are as follows: Strongly Undervalued below 0.81, Undervalued between 0.81 and 1.19, Fairly Valued between 1.94 and 1.19, Overvalued between 1.94 and 2.32, and Strongly Overvalued above 2.32. The current Forward PS of 2.41 falls within the Strongly Overvalued range.
0.00
P/OCF
Citigroup Inc. (C) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Citigroup Inc. (C) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Citigroup Inc (C) has a current Price-to-Book (P/B) ratio of 1.09. Compared to its 3-year average P/B ratio of 0.64 , the current P/B ratio is approximately 71.17% higher. Relative to its 5-year average P/B ratio of 0.65, the current P/B ratio is about 68.44% higher. Citigroup Inc (C) has a Forward Free Cash Flow (FCF) yield of approximately -35.77%. Compared to its 3-year average FCF yield of -39.28%, the current FCF yield is approximately -8.95% lower. Relative to its 5-year average FCF yield of -16.78% , the current FCF yield is about 113.14% lower.
1.09
P/B
Median3y
0.64
Median5y
0.65
-35.77
FCF Yield
Median3y
-39.28
Median5y
-16.78
Competitors Valuation Multiple
The average P/S ratio for C's competitors is 2.72, providing a benchmark for relative valuation. Citigroup Inc Corp (C) exhibits a P/S ratio of 2.41, which is -11.45% above the industry average. Given its robust revenue growth of 9.70%, this premium appears unsustainable.
Performance Decomposition
1Y
3Y
5Y
Market capitalization of C increased by 49.05% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 12.48 to 16.70.
The secondary factor is the Revenue Growth, contributed 9.70%to the performance.
Overall, the performance of C in the past 1 year is driven by P/E Change. Which is more unsustainable.
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Frequently Asked Questions
Is Citigroup Inc (C) currently overvalued or undervalued?
Citigroup Inc (C) is now in the Overvalued zone, suggesting that its current forward PE ratio of 12.69 is considered Overvalued compared with the five-year average of 9.08. The fair price of Citigroup Inc (C) is between 84.28 to 104.85 according to relative valuation methord. Compared to the current price of 121.62 USD , Citigroup Inc is Overvalued By 16.00% .
What is Citigroup Inc (C) fair value?
C's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Citigroup Inc (C) is between 84.28 to 104.85 according to relative valuation methord.
How does C's valuation metrics compare to the industry average?
The average P/S ratio for C's competitors is 2.72, providing a benchmark for relative valuation. Citigroup Inc Corp (C) exhibits a P/S ratio of 2.41, which is -11.45% above the industry average. Given its robust revenue growth of 9.70%, this premium appears unsustainable.
What is the current P/B ratio for Citigroup Inc (C) as of Jan 08 2026?
As of Jan 08 2026, Citigroup Inc (C) has a P/B ratio of 1.09. This indicates that the market values C at 1.09 times its book value.
What is the current FCF Yield for Citigroup Inc (C) as of Jan 08 2026?
As of Jan 08 2026, Citigroup Inc (C) has a FCF Yield of -35.77%. This means that for every dollar of Citigroup Inc’s market capitalization, the company generates -35.77 cents in free cash flow.
What is the current Forward P/E ratio for Citigroup Inc (C) as of Jan 08 2026?
As of Jan 08 2026, Citigroup Inc (C) has a Forward P/E ratio of 12.69. This means the market is willing to pay $12.69 for every dollar of Citigroup Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Citigroup Inc (C) as of Jan 08 2026?
As of Jan 08 2026, Citigroup Inc (C) has a Forward P/S ratio of 2.41. This means the market is valuing C at $2.41 for every dollar of expected revenue over the next 12 months.