What Is C Fair Value?
Citigroup Inc. (C) fair value estimate using multiple valuation models, updated daily.
As of October 31, 2026, Citigroup Inc. (C) has a composite fair value estimate of $436.28 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $122.64, suggesting the stock is undervalued by 255.7%.
Data as of October 31, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$436.28
vs. current price of $122.64(+255.7%)
How Is C Fair Value Calculated?
Four independent models estimate what C is worth. Each uses different inputs and assumptions. The composite blends them by weight.
C Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$821.44
+569.8%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$87.96
-28.3%Overvalued
Inputs used
C Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$172.14
+40.4%Undervalued
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$167.24
+36.4%Undervalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $122.64 is 569.8% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $11.26B | $10.70B |
| Year 2 | $12.92B | $11.66B |
| Year 3 | $14.81B | $12.70B |
| Year 4 | $16.99B | $13.83B |
| Year 5 | $19.48B | $15.07B |
| Year 6 | $22.34B | $16.41B |
| Year 7 | $25.62B | $17.88B |
| Year 8 | $29.39B | $19.48B |
| Year 9 | $33.70B | $21.22B |
| Year 10 | $38.65B | $23.11B |
| Terminal Value | $1.43T | $853.76B |
What Are C's Key Financial Metrics?
Earnings & Growth
Current Price
$122.64
EPS (TTM)
$10.26
Forward P/E
9.4
Profit Margin
23.2%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$115.61
Total Debt
817.5B
What Do Analysts Say About C?
Low
$127.00
Average
$150.71
High
$170.00
Upside
+22.9%
C Fair Value FAQ
What is the fair value of C?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), C's estimated fair value is $436.28. The stock is currently trading at $122.64, which makes it undervalued by our analysis.
How is C's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is C overvalued or undervalued?
Based on our analysis, C is undervalued. The current price of $122.64 is 255.7% below our estimated fair value of $436.28.
What do Wall Street analysts say about C?
21 analysts cover Citigroup Inc. with a consensus rating of "Buy." The average price target is $150.71, ranging from $127.00 to $170.00. This implies 22.9% upside from the current price.