Citigroup Inc. (C) Stock Analysis
Score BFinancial · Grade D · Bullish
$120.93
$109.88
-9.1%
5/10
D
Financial
Investment Thesis
Price is above modeled value range. Quality supports holding but not attractive for new positions.
Trading near modeled fair value. No strong quantitative signal.
For New Investors
Price above modeled value range
For Current Holders
Quantitative score: neutral
Buy if
- Price drops 15-20% (improves asymmetry)
- Bull scenario catalysts materialize
- Market-wide correction creates opportunity
Sell if
- Bear scenario triggers occur
- Quality metrics deteriorate (ROIC declining)
- Better alternatives emerge
Valuation
Fair Value estimate: $109.88 (-9.1%). Approximately at fair value.
PEG-Based EPS
$153.33
FCF DCF Model
$62.63
Blended Fair Value
$109.88
Confidence
Medium
Methods
P/B Relative, P/E Relative, Dividend Discount
Quality Analysis
59/120 points
Low Quality
ROE (3Y Avg)
5.8%
ROIC-WACC Spread
-7.9%
D/E Ratio
3.4x
Current Ratio
0.5x
Interest Coverage
0x
FCF Positive Years
0/3
Quality Flags
- Financial sector: alternative quality assessment applied
- Limited revenue history
- Low profitability margins
- Earnings declining
Market Sentiment
Wall Street Consensus
$144.50
+19.5% Upside
22 analysts
Range: $87.00 — $162.00
Rating: Buy
Our model is slightly more cautious than Wall Street.
Trend & Technical
Price ($120.92) is 11.7% above SMA 200 ($108.27). Bullish trend confirmed.
Tech Score 66/100 — Neutral technical picture. Mixed signals across indicators.
Risk & Reward
Asymmetry Ratio
8.73:1
Expected Return
+44.4%
Bull Upside
+87.4%
Bear Downside
-10.0%
Excellent asymmetry: 8.73:1 ratio. Upside significantly outweighs downside.
Verdict: Very Favorable
Scenario Analysis
Bear
Base
Bull
Buy Zone & Action Plan
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AI Executive Summary
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Technical Analysis
RSI, MACD, moving averages, trend signals, and momentum indicators.
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Frequently Asked Questions
What is the fair value of C?
Based on our multi-method conviction analysis, the estimated fair value of Citigroup Inc. (C) is $109.88. This is calculated by blending P/B Relative, P/E Relative, Dividend Discount and applying a quality premium of 0% based on the company's fundamentals. The confidence level of this estimate is medium.
Is C a buy, sell, or hold?
C currently has a HOLD rating with a conviction score of 5/10. Price is above modeled value range. Quality supports holding but not attractive for new positions. Price above modeled value range.
Is C a high-quality stock?
Citigroup Inc. has a quality grade of D (59/120 points), rated as Low Quality. Key metrics include ROE of 5.8%, ROIC-WACC spread of -7.9%, and D/E ratio of 3.4x.
What type of stock is C?
C is classified as a "financial" in our framework. Financial sector override: Financial Services
What do Wall Street analysts say about C?
22 Wall Street analysts have a consensus price target of $144.50 for C, representing +19.5% upside. Targets range from $87.00 to $162.00. The consensus recommendation is "Buy". Our model is slightly more cautious than Wall Street.
What are the risks of investing in C?
The risk/reward asymmetry ratio for C is 8.73:1, rated as Very Favorable. Excellent asymmetry: 8.73:1 ratio. Upside significantly outweighs downside. The expected return is +44.4%, with bull case upside of +87.4% and bear case downside of -10.0%.
What is the current trend for C?
C is in a bullish trend. Price ($120.92) is 11.7% above SMA 200 ($108.27). Bullish trend confirmed. The technical score is 66/100.
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Last updated: May 19, 2026 · Framework version 3.7
This analysis is for informational purposes only and should not be considered financial advice. Always do your own research before making investment decisions.