Citigroup Inc (C) is slightly overvalued and Sumitomo Mitsui Financial Group Inc ADR (SMFG) is overvalued.
Both trade above our estimate of their intrinsic value. C is the closer of the two: -13%, against -119% for SMFG.
Values as of the 19 Oct 2026 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.
Leak Score 35/100 on 12 of 12 signals
Book value at 1.52x, the multiple a 11.2% return on equity justifies, blended with earnings, values the shares at $11.15; the price of $24.41 is 119% above that value.
Leak Score 28/100 on 9 of 12 signals
| Metric | C | SMFG |
|---|---|---|
| Verdict | Slightly overvalued | Overvalued |
| Price | $121.69 | $24.41 |
| Intrinsic value | $107.88 | $11.15 |
| Margin of safety | -13% | -119% |
| Leak Score | 35/100 (12/12) | 28/100 (9/12) |
| Market cap | $204.1B | $306.9B |
| Revenue growth, 5 years | 13.7% | 14.2% |
| Operating margin | 15.3% | 22.1% |
| Net margin | 10.1% | 16.4% |
| Return on equity | 9.1% | 11.2% |
| Debt to equity | 3.90 | 3.67 |
| P/E | 11.9x | 28.1x |
| Forward P/E | 9.5x | 13.9x |
| P/B | 1.1x | 3.1x |
| Dividend yield | 2.1% | 2.5% |