Citigroup Inc. (C) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Citigroup Inc. stock (C) is currently trading at $113.74. Citigroup Inc. PE ratio is 15.67. Citigroup Inc. PS ratio (Price-to-Sales) is 2.53. Analyst consensus price target for C is $133.82. WallStSmart rates C as Moderate Buy.
Citigroup Inc. (C) stock price prediction for 2030: Base case $314.09. Bull case $392.61. Bear case $235.57. See full C 2030 price forecast and methodology on WallStSmart.
- C PE ratio analysis and historical PE chart
- C PS ratio (Price-to-Sales) history and trend
- C intrinsic value — DCF, Graham Number, EPV models
- C stock price prediction 2025 2026 2027 2028 2029 2030
- C fair value vs current price
- C insider transactions and insider buying
- Is C undervalued or overvalued?
- Citigroup Inc. financial analysis — revenue, earnings, cash flow
- C Piotroski F-Score and Altman Z-Score
- C analyst price target and Smart Rating
Citigroup Inc.
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C Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Citigroup Inc. (C)
C trades 131% above its Graham fair value of $47.53, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Citigroup Inc. (C) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, operating margin. Concerns around return on equity and revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Citigroup Inc. (C) Key Strengths (6)
Growing significantly faster than its price suggests
Trading below book value, meaning the market prices it less than net assets
81.09% of shares held by major funds and institutions
Large-cap company with substantial market presence
Strong operational efficiency: $26 kept per $100 revenue
Strong profitability: $19 kept per $100 revenue
Supporting Valuation Data
Citigroup Inc. (C) Areas to Watch (4)
Earnings declining -10.80%, profits shrinking
Revenue growing slowly at 4.40% annually
Low profitability relative to shareholder equity
Revenue is fairly priced at 2.53x sales
Citigroup Inc. (C) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 2.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Book, Institutional Own.. Valuation metrics including PEG Ratio (0.80), Price/Book (1.00) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 25.70%, Profit Margin at 18.90%.
The Bear Case
The primary concerns are EPS Growth, Revenue Growth, Return on Equity. Some valuation metrics including Price/Sales (2.53) suggest expensive pricing. Growth concerns include Revenue Growth at 4.40%, EPS Growth at -10.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 6.83%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 6.83% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 4.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Price/Book) and negatives (EPS Growth, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
C Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
C's Price-to-Sales ratio of 2.53x trades 229% above its historical average of 0.77x (99th percentile), historically expensive. The current valuation is 2% below its historical high of 2.58x set in Mar 2026, and 8333% above its historical low of 0.03x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Citigroup Inc. (C) · FINANCIAL SERVICES › BANKS - DIVERSIFIED
The Big Picture
Citigroup Inc. is a strong growth company balancing expansion with improving profitability. Revenue reached 75.7B with 440% growth year-over-year. Profit margins of 18.9% are healthy, with room for further expansion as the business scales.
Key Findings
Revenue growing at 440% YoY, reaching 75.7B. This pace significantly outperforms most BANKS - DIVERSIFIED peers.
ROE of 683.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Citigroup Inc. maintain 440%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 211.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - DIVERSIFIED industry trends, competitive moves, and regulatory changes that could impact Citigroup Inc..
Bottom Line
Citigroup Inc. offers an attractive blend of growth (440% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Citigroup Inc.(C)
NYSE
FINANCIAL SERVICES
BANKS - DIVERSIFIED
USA
Citigroup Inc. is an American multinational investment bank and financial services corporation headquartered in New York City. The company was formed by the merger of banking giant Citicorp and financial conglomerate Travelers Group in 1998; Travelers was subsequently spun off from the company in 2002. Citigroup owns Citicorp, the holding company for Citibank, as well as several international subsidiaries. Citigroup is incorporated in Delaware.