Stock Valuation / C
Is Citigroup Inc. (C) Overvalued? Fair Value & 5-Year Target
Citigroup Inc. trades at $124.53 (P/E 13.42). Our reference model estimates a fair value of $78.54 at its recent average P/E of 8.46.
| Current price | $124.53 |
|---|---|
| Current EPS | $9.28 |
| Current P/E | 13.42 |
| Average P/E | 8.46 |
| Fair value (at avg P/E) | $78.54 |
| Upside to fair value | -36.9% |
| Illustrative 5-yr target (25× P/E, 15% growth) | $466.63 |
What drives C's valuation
Changing either assumption moves the target: a higher P/E multiple or faster EPS growth raises fair value, a lower multiple or slower growth lowers it. The interactive dashboard lets you edit both and re-run the model instantly.
About Citigroup Inc.
Citigroup Inc., a diversified financial service holding company, provides various financial products and services to consumers, corporations, governments, and institutions. It operates through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth. The Services segment includes treasury and trade solutions, which provides cash management, trade, and working capital solutions to multinational corporations, financial institutions, and public sector organizations; and securities services, such as cross-border support for clients, local market expertise, post-trade technologies, data solutions, and various securities services solutions. The Markets segment offers sales and
Frequently asked questions
What is C's fair value?
At its recent average P/E of 8.46, Citigroup Inc. (C) has a reference fair value of about $78.54, which is -36.9% versus the current price of $124.53.
Is Citigroup Inc. (C) overvalued or undervalued?
Based on the average-P/E reference model, Citigroup Inc. looks overvalued relative to fair value by roughly +36.9%. This is a model output, not investment advice — change the P/E and growth assumptions in the dashboard for your own view.
What is a 5-year price target for C?
Under an illustrative model of 25× P/E and 15% annual EPS growth, the implied 5-year target is $466.63. Adjust both inputs on the interactive page to match your assumptions.
Open the interactive C valuation dashboard →
Figures are for informational purposes only and are not investment advice. Data as of 2026-10-14.