Citigroup (C)
NYSEFinancialsBanks - DiversifiedSnapshot 2026-07-07
$140.77-2.15%
Close 2026-07-07 · 1-day change
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Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 10 valuation methods, at three horizons. Current price $140.77. As of 2026-07-08. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A long-thesis check that carries the widest uncertainty of the three horizons.
Bottom 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $141 C trades at 1.2× p/b, below its 2.1× p/b peer median, but our blended $130 fair value sits below the price. We hold it with low confidence: it trades at 2.1× its own p/b history and the peer anchor overstates how cheap it looks. Analysts target $133–$165. Note: our $130 fair value sits below the entire analyst range ($133–$165). Even valued only for durable growth at sustainable margins, it's worth about $161 — above today's price, so the premium reflects that growth case, not pure multiple expansion. Not investment advice.
$133.00 – $165.00 (median $146.00) · 16 analysts · as of 2026-07-06
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Only weak execution quality — not the full expensive x weak x turbulent stack. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Roughly priced in line with peers.
Richer than its own typical valuation.
Trailing four: 2024-Q3, 2025-Q1, 2025-Q2, 2025-Q3
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $146.00 | — | — | Analyst | high |
| ddm gordon | 12M | $31.81 | — | — | TTM | high |
| graham number | 12M | $149.04 | — | — | TTM | high |
| Peer P/B | 12M | $240.85 | 2.1 | 114.80 | TTM | high |
| Peer P/E | 12M | $142.32 | 16.5 | 8.60 | TTM | high |
| Peer P/S | 12M | $154.40 | 3.4 | 45.76 | TTM | high |
| PEG | 12M | $247.57 | 28.8 | 8.60 | TTM | high |
| residual income | 12M | $104.25 | — | — | TTM | high |
| Own P/E history | 12M | $115.87 | 13.5 | 8.60 | TTM | high |
| triangulated | 12M | $152.86 | 16.5 | 9.24 | Triangulated | high |
| Peer P/B | 3Y | $255.15 | 2.1 | 121.61 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $239.88 | 16.5 | 14.50 | Analyst | medium |
| Peer P/S | 3Y | $203.08 | 3.4 | 60.18 | Analyst | medium |
| PEG | 3Y | $417.30 | 28.8 | 14.50 | Analyst | medium |
| Own P/E history | 3Y | $195.30 | 13.5 | 14.50 | Analyst | medium |
| Peer P/B | 5Y | $265.16 | 2.1 | 126.38 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $286.85 | 16.5 | 17.33 | Analyst | high |
| Peer P/S | 5Y | $242.84 | 3.4 | 71.97 | Analyst | high |
| PEG | 5Y | $499.00 | 28.8 | 17.33 | Analyst | high |
| Own P/E history | 5Y | $233.54 | 13.5 | 17.33 | Analyst | high |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.