C

Citigroup Inc.

Financial Services · $225.2B market cap

Verdict

Share price

$128.50

close of Oct 3, 2026

Fair value

$67.11

Sticker Price

Payback Price

$26.84

buy price

Overpriced

C is Overpriced: at $128.50 it trades 91% above its fair value of $67.11. Its buy price (Payback Price) is $26.84, 79% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth2.2% a year✗
Equity per share growth4.0% a year✗
Sales growth-0.6% a year✗
Free cash flow growth-7.3% a year✗
Return on invested capital1.2%✗

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Superinvestors

9 of the investors we track hold C. In Q2 2026, 3 trimmed. Who we track

Moves in Q2 2026

Trimmed: Sarah Ketterer, Richard Pzena, Harry Burn

Insider activity

Since Jul 1, 2026: no open-market purchases and 18 other filings (stock awards, tax withholding and similar). Why purchases matter

Other filings

About Citigroup Inc.

Citigroup, Inc. is a holding company, which engages in the provision of financial products and services. It operates through the following segments: Services, Markets, Banking, Wealth, U.S. Personal Banking (USPB), and All Other. The Services segment includes Treasury and Trade Solutions (TTS) which provides an integrated suite of tailored cash management, trade, and working capital solutions to multinational…

Banks - Diversified

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works