--- title: Citigroup (C) — intrinsic value and fair price canonical: https://sweetvaluelab.com/stocks/c ticker: C as_of: 2026-10-17 sector: Financial Services industry: Banks - Diversified --- # Citigroup (C) Citigroup (C) closed at $124.25 on Oct 16, 2026, overvalued by 8% vs its model value of $115.25 (from the justified price to tangible book). ## Key figures | Figure | Value | | --- | ---: | | Last close | $124.25 (Oct 16, 2026) | | Model value (from the justified price to tangible book) | $115.25 | | Price vs model | overvalued by 8% vs model | | Range of that model | $100.85 – $134.46 | | Market value | $208.4B | | P/E (fiscal 2025) | 17.8 | | Net margin (fiscal 2025) | 8.5% | | Free cash flow (fiscal 2025) | -$74.2B | | Dividend yield (trailing twelve months) | 1.99% | | Beta | 1.11 | | Cost of capital (WACC) | 10.43% | | Business classification | Dividend Payer (Low/slowing growth (~4% recent), Moderate margins (17% net margin), Pays dividends, Highly cyclical earnings, Negative free cash flow) | ## Dividends | Figure | Value | | --- | ---: | | Trailing dividend yield | 1.99% | | Dividends per share, last 12 months | $2.47 | | Dividends / earnings (fiscal 2025) | 37.6% | | Raised | 3 years in a row | | Growth over 5 years | 3.9% a year | | Latest payment | $0.67, ex-date Aug 3, 2026, paid Aug 28, 2026 | | Year of payments | Dividends per share | | --- | ---: | | To Jul 30, 2021 | $2.04 | | To Jul 29, 2022 | $2.04 | | To Aug 4, 2023 | $2.06 | | To Aug 5, 2024 | $2.15 | | To Aug 4, 2025 | $2.28 | | Trailing twelve months (to Aug 3, 2026) | $2.47 | ## Valuation models Each model's value per share and the role the engine gave it for this business. The headline above is one model's value; every other model is listed with its own, and each has a page of its own under the valuation. Computed Oct 17, 2026. | Model | Role | Value per share | Low | High | | --- | --- | ---: | ---: | ---: | | P/TBV · justified | primary | $115.25 | $100.85 | $134.46 | | P/E · peers | cross check | $130.79 | $122.39 | $143.29 | | P/E · own history | cross check | $121.54 | $58.52 | $146.91 | | PEG | sanity check | $268.51 | $268.51 | $268.51 | | Dividend discount | cross check | $42.13 | $30.05 | $64.55 | ## Insider activity (SEC Form 4) No open-market insider buys or sales filed in the past 90 days. | Date | Insider | Relationship | Transaction | Shares | Value | | --- | --- | --- | --- | ---: | ---: | | Oct 1, 2026 | von Koskull Casper Wilhelm | Director | Grant / award | 27.107 | $3,567.1 | | Oct 1, 2026 | von Koskull Casper Wilhelm | Director | Grant / award | 6.49 | $854.1 | | Oct 1, 2026 | Turley James S | Director | Grant / award | 6.49 | $854.1 | | Oct 1, 2026 | Turley James S | Director | Grant / award | 200.846 | $26,430.1 | | Oct 1, 2026 | TAYLOR DIANA L | Director | Grant / award | 307.979 | $40,528.2 | ## Recent SEC filings | Filed | Form | What | Filing | | --- | --- | --- | --- | | Oct 13, 2026 | 8-K | 2.02 Results of Operations (Earnings); 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/831001/000110465926115323/c-20261013x8k.htm | | Sep 24, 2026 | 8-K | 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/831001/000119312526401022/d155919d8k.htm | | Aug 6, 2026 | 10-Q | Quarterly report | https://www.sec.gov/Archives/edgar/data/831001/000083100126000045/c-20260630.htm | | Jul 14, 2026 | 8-K | 2.02 Results of Operations (Earnings); 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/831001/000110465926083383/c-20260714x8k.htm | | May 21, 2026 | 8-K | 5.02 Departure/Election of Directors or Officers; 5.07 Submission of Matters to a Shareholder Vote; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/831001/000110465926065155/c-20260520x8k.htm | ## Superinvestors holding it (latest 13F) | Manager | Quarter | Shares | Value | | --- | --- | ---: | ---: | | Bill Nygren | 2026-06-30 | 8,751,443 | $1.2B | | Richard Pzena | 2026-06-30 | 5,548,789 | $776.6M | | First Pacific Advisors | 2026-06-30 | 3,016,828 | $422.2M | | Samantha McLemore | 2026-06-30 | 1,403,477 | $196.4M | 9 tracked managers in all. ## About Citigroup, Inc. is a holding company, which engages in the provision of financial products and services. It operates through the following segments: Services, Markets, Banking, Wealth, U.S. Personal Banking (USPB), and All Other. The Services segment includes Treasury and Trade Solutions (TTS) which provides an integrated suite of tailored cash management, trade, and working capital solutions to multinational corporations, financial institutions and public sector organizations, and Securities Services, which offers cross-border support for clients, providing on-the-ground local market expertise, post-trade technologies, customized data solutions, and a wide range of securities services solutions that can be tailored to meet client needs. The Markets segment provides corporate, institutional, and public sector clients around the world with a full range of sales and trading services across… --- Source: https://sweetvaluelab.com/stocks/c (SweetValueLab, free, no account). Prices and statements from Financial Modeling Prep; filings from SEC EDGAR. 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