NYSE · Financial · Banks - Diversified · USA
Citigroup Inc is a mega cap company (market value over $200 billion) in the Banks - Diversified industry.
Citigroup is a diversified financial services holding company that offers banking, investment and wealth services to consumers, corporations, governments and institutions worldwide. Operating through five business segments, it provides retail and credit products, corporate and capital markets offerings, brokerage and trading services, and asset management solutions.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the Citigroup Inc stock.
Slightly overvalued: intrinsic value $107.88 per share, market price $121.69, margin of safety -12.8% (as of 2026-10-19).
Book value at 0.80x, the multiple a 9.1% return on equity justifies, blended with earnings, values the shares at $107.88; the price of $121.69 is 13% above that value.
Leak Score: 35/100 on 12 of 12 signals (On Watch).
17 more funds hold it; the full list is part of the paid plan.
All 20 Banks - Diversified stocks
4 more in this industry show a wider margin of safety.
C is slightly overvalued (as of the 2026-10-19 close). Book value at 0.80x, the multiple a 9.1% return on equity justifies, blended with earnings, values the shares at $107.88; the price of $121.69 is 13% above that value.
$107.88 per share (as of the 2026-10-19 close), against a market price of $121.69. That is a margin of safety of -12.8%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
The price needs roughly the return the bank already earns. Return on equity the price needs: 11.0%. Return on equity it earns: 9.1%.
35 out of 100, which we rate "On Watch", on 12 of 12 value investing signals.