What Is C Fair Value?
Citigroup Inc. (C) fair value estimate using multiple valuation models, updated daily.
As of August 1, 2026, Citigroup Inc. (C) has a composite fair value estimate of $451.12 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $132.45, suggesting the stock is undervalued by 240.6%.
Data as of August 1, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$451.12
vs. current price of $132.45(+240.6%)
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 →
$846.27
+538.9%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 →
$110.71
-16.4%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 →
$169.10
+27.7%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.
$175.11
+32.2%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 $132.45 is 538.9% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $11.38B | $10.80B |
| Year 2 | $13.17B | $11.87B |
| Year 3 | $15.26B | $13.05B |
| Year 4 | $17.67B | $14.34B |
| Year 5 | $20.46B | $15.76B |
| Year 6 | $23.70B | $17.33B |
| Year 7 | $27.44B | $19.04B |
| Year 8 | $31.78B | $20.93B |
| Year 9 | $36.81B | $23.01B |
| Year 10 | $42.63B | $25.29B |
| Terminal Value | $1.53T | $907.04B |
What Are C's Key Financial Metrics?
Earnings & Growth
Current Price
$132.45
EPS (TTM)
$9.28
Forward P/E
10.3
Profit Margin
21.8%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$114.74
Total Debt
813.9B
What Do Analysts Say About C?
Low
$129.00
Average
$155.15
High
$176.00
Upside
+17.1%
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 $451.12. The stock is currently trading at $132.45, 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 $132.45 is 240.6% below our estimated fair value of $451.12.
What do Wall Street analysts say about C?
20 analysts cover Citigroup Inc. with a consensus rating of "Buy." The average price target is $155.15, ranging from $129.00 to $176.00. This implies 17.1% upside from the current price.