C

NYSE

CITIGROUP INC

Financials, Diversified Banks

$135.00

close 7 Aug 2026

+46.25%

52-week change

$236.16B

market cap

$90.68

$147.96

52-week range

Expected price

$106.49 – $130.15

Current price

$135.00

Signal

Could be overvalued

A historical-multiple reference, never a fair-value claim. The band uses only data public at each date and ends at the latest month — no forward estimates.

Current multiples

P/E (TTM)13.13x

P/S (TTM)1.61x

P/B1.11x

EV/EBITDA (TTM)—

FCF yield (TTM)-10.38%

PEG (TTM, GAAP)—

Context

P/E, own 5-year average11.32x

P/E, sector median16.04x*

Price at 5-year median P/E$88.53*

Indicated dividend yield1.78%

Forward — analyst consensus

Forward P/E (FY2026)12.10x*

Forward P/E (FY2027)10.48x

Forward PEG0.78*

Consensus EPS FY2026 (8 analysts)$11.15

EPS growth (FY2026→FY2027)15.50%

Revenue growth (FY2026)12.40%

Street view

Price target (mean)$154.50*

Target upside14.44%

Ratings (buy / hold / sell)16 / 5 / 0

FY2026 EPS revisions, 30d (up / down)6 / 3

5-year history

Dashed line: average of month-end values

P/E (TTM)

P/S (TTM)

P/B

FCF yield (TTM)

Dividend yield

period to 30 Jun 2026, filed 6 Aug 2026, close 7 Aug 2026

Discounted cash flow

Ten projected years plus a perpetuity, prefilled from filings — a model to argue with, never a fair-value claim.

Free cash flow, last ten years and TTM

Assumptions

Growth rate, years 1–10%

Perpetual growth%Discount rate%

Base FCF$M

As filed — not assumptions

Current price$135.00

Cash & equivalents—

Total debt$402.73B

Shares outstanding1.75B

Result

DCF price per share—

Current price$135.00

Margin of safety—

PV of years 1–10-$210.62B

PV of terminal value-$344.65B

Equity value—

Market-implied growth—

The base free cash flow is not positive; growing a negative flow is rarely a meaningful valuation.

Projected FCF, years 1–10

Hover for PV and growth

Projection detail

Override growth for any year; blank years use the uniform rate

Year	2026	2027	2028	2029	2030	2031	2032	2033	2034	2035	Terminal
Growth, %											2.5
FCF	-$25.74B	-$27.02B	-$28.37B	-$29.79B	-$31.28B	-$32.85B	-$34.49B	-$36.21B	-$38.02B	-$39.93B	-$744.07B
PV	-$23.83B	-$23.17B	-$22.52B	-$21.90B	-$21.29B	-$20.70B	-$20.12B	-$19.57B	-$19.02B	-$18.49B	-$344.65B

period to 30 Jun 2026, filed 6 Aug 2026, close 7 Aug 2026