What Is C Fair Value?
Citigroup Inc. (C) fair value estimate using multiple valuation models, updated daily.
As of September 15, 2026, Citigroup Inc. (C) has a composite fair value estimate of $369.89 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $136.17, suggesting the stock is undervalued by 171.6%.
Data as of September 15, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$369.89
vs. current price of $136.17(+171.6%)
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 →
$652.52
+379.2%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 →
$103.74
-23.8%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 →
$169.70
+24.6%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.
$172.90
+27.0%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 $136.17 is 379.2% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $11.35B | $10.77B |
| Year 2 | $13.10B | $11.82B |
| Year 3 | $15.13B | $12.96B |
| Year 4 | $17.48B | $14.22B |
| Year 5 | $20.19B | $15.59B |
| Year 6 | $23.32B | $17.10B |
| Year 7 | $26.93B | $18.76B |
| Year 8 | $31.11B | $20.57B |
| Year 9 | $35.93B | $22.57B |
| Year 10 | $41.50B | $24.75B |
| Terminal Value | $1.52T | $904.50B |
What Are C's Key Financial Metrics?
Earnings & Growth
Current Price
$136.17
EPS (TTM)
$9.27
Forward P/E
10.6
Profit Margin
21.8%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$114.74
Total Debt
881.6B
What Do Analysts Say About C?
Low
$129.00
Average
$155.20
High
$176.00
Upside
+14.0%
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 $369.89. The stock is currently trading at $136.17, 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 $136.17 is 171.6% below our estimated fair value of $369.89.
What do Wall Street analysts say about C?
20 analysts cover Citigroup Inc. with a consensus rating of "Buy." The average price target is $155.20, ranging from $129.00 to $176.00. This implies 14.0% upside from the current price.