Citigroup Inc. (C) fair value analysis
S&P 500 · Updated 2026-10-19
C price how computed
Forward Fair Value verdict
Fairly valuedC is trading at within about 10% of estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $129.64
- Sector
- Financial Services
- 12-month range
- $97.63–$145.67
- Market cap
- $217B
- From 52-week high
- -11.0%
- Shares outstanding
- 1.68B
- Rank in Financial Services by discount to fair value
- #100 of 167
Last price is our 2026-10-19 weekly price; the chart runs through 2026-10-16.
Citigroup Inc. is a multinational financial services company that provides banking, investment banking, wealth management, and trading services to institutional and individual clients worldwide. The company operates through a global network of offices and branches spanning North America, Europe, Asia, and other regions around the world.
C currently ranks #100 of 167 Financial Services stocks by discount to fair value. It has screened as Fairly valued for 4 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $217B
- P/E (trailing)
- 13x
- Revenue (TTM)
- $154B
- Net margin
- 12.5%
- EPS (TTM)
- $10.30
- Gross margin
- 89.1%
- Debt / equity
- 3.90
- Revenue growth (3-yr avg)
- -14.2%
- Shares outstanding
- 1.68B
Derived indicators how computed
- Quality grade
- F
- Margin trend
- Expanding
- 52-week position
- The upper-middle quarter of its range
Technicals how computed
- RSI (14-day)
- 38 · neutral
- 50-day average
- $132.67
- 200-day average
- $126.39
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $2.47 per share (4 payments)
- Yield on last price
- 1.91%
- Consecutive years of increases
- 3
- Last ex-dividend date
- 2026-08-03
- Last payment date
- 2026-08-28
Earnings how computed
- Last 8 quarters vs consensus
- 7 beat, 1 missed
- Quarter by quarter
- 2026-09 ▲ beat (+7.1%)
2026-06 ▲ beat (+15.8%)
2026-03 ▲ beat (+17.7%)
2025-12 ▼ miss (-23.5%)
2025-09 ▲ beat (+17.1%)
2025-06 ▲ beat (+28.3%)
2025-03 ▲ beat (+5.9%)
2024-12 ▲ beat (+8.9%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 17 buy · 5 hold · 0 sell (22 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $151
- Target vs last price
- +16.5%
What our data shows for C
- Our model validated 17 trailing price-to-earnings windows for C, built from quarterly earnings records.
- Shares are trading in the middle of their 12-month price range of $97.63–$145.67.
- The 14-day relative strength index sits at a neutral 38.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for C
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent C news
TickrTrends' derived news-sentiment signal for C is currently leaning positive, computed from recent coverage.
- Treasuries see best day in over a year as AI selloff revives haven demand (economictimes.indiatimes.com, 2026-10-22)
TickrTrends take: A broad selloff in AI-related equities typically drives investors toward safer assets like Treasury securities, which can create favorable conditions for financial services companies with significant fixed-income operations. Citigroup and similar diversified financial institutions benefit from both the increased trading activity in bond markets and the wider bid-ask spreads that accompany periods of market volatility and repricing. Given that C is currently valued as fairly valued according to TickrTrends, investors should monitor whether sustained Treasury market strength translates into improved trading revenues and net interest margin expansion that could support valuation multiples. - C DCF Analysis: Intrinsic Value $112 vs Price $124 (gurufocus.com, 2026-10-19)
TickrTrends take: Citigroup's DCF analysis indicating an intrinsic value of $112 per share compared to its current price of $124 suggests the stock is trading at a premium to this particular valuation model's assessment. TickrTrends' fairly valued verdict indicates the market is balancing multiple valuation methodologies and factors beyond the DCF approach. For valuation-focused readers, the gap between the DCF-derived intrinsic value and market price warrants monitoring of whether the company's earnings growth, capital deployment, or risk profile justify the current premium, or whether convergence may occur in either direction. - US Officials Push for Mastercard (MA) Market Access in China Amid Regulatory Talks (gurufocus.com, 2026-10-19)
TickrTrends take: The regulatory developments around payment card access in China could have broader implications for the financial services sector, including Citigroup's international operations and competitive positioning. As US officials negotiate market access for payment networks in China, investors should monitor whether such agreements might reshape competitive dynamics in a key growth market where Citigroup maintains significant operations. Given C's current fairly valued status, any material shifts in international regulatory environments or competitive conditions in Asia could warrant reassessment of its valuation relative to sector peers.
More C news
- U.S. raises Mastercard, Citigroup China market access in bilateral Bangkok talks, official says (cnbc.com, 2026-10-16)
- Citibank: Q3 Results Confirm The Turnaround And The Valuation Remains Attractive (NYSE:C) (seekingalpha.com, 2026-10-15)
- Citigroup Plans Banamex IPO Amid Dividend Sustainability Focus (C) (gurufocus.com, 2026-10-14)
- RBC Cuts Price Targets for Citigroup (C), Wells Fargo (WFC), and Goldman Sachs (GS) (gurufocus.com, 2026-10-14)
- Citigroup (C) Seeks Removal of Consent Orders Amid Regulatory Review (gurufocus.com, 2026-10-13)
- RXO Maintained by Citigroup -- Price Target Raised to $30.00 (gurufocus.com, 2026-10-06)
What people are saying
Follow the C conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — TickrTrends' derived indicators for C showed movement this week in the Financial Services sector. Revenue growth shifted from a modest band to declining, while the sector discount rank improved from 112 to 107. The stock maintains a fairly valued assessment.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — TickrTrends' derived indicators for C in the Financial Services sector shifted this week as the valuation verdict moved from Overvalued to Fairly valued. This change reflects a recalibration of the company's current pricing relative to its fundamental metrics. The stock is now assessed as trading at levels consistent with its underlying value based on the indicator analysis.
- 2026-10-06 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — TickrTrends' derived indicators for the Financial Services sector show improvement this week. The sector's discount rank improved from #117 to #106, and the valuation verdict shifted from Overvalued to Fairly valued, indicating that valuations have become more reasonable relative to historical and peer comparisons.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is C stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), C is trading at within about 10% of estimated fair value and screens as fairly valued. The exact fair value and discount are available to subscribers.
What is C's TickrTrends verdict?
C's current verdict is Fairly valued, refreshed with every weekly Forward Fair Value run.
How does C compare to other Financial Services stocks?
C ranks #100 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is C overbought or oversold?
C's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does C pay a dividend?
Yes. C paid $2.47 per share over the last twelve months (4 payments), a 1.91% yield on TickrTrends' last price, and has raised the annual total for 3 consecutive years. The last ex-dividend date was 2026-08-03.
Does C usually beat earnings estimates?
Over its last 8 reported quarters C beat the consensus estimate 7 times and missed 1 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about C?
Of 22 analysts covering C, 17 rate it a buy, 5 a hold and 0 a sell - buy-leaning, with a consensus price target of $151 (+16.5% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.