---
title: Citigroup (C) — bank health card
canonical: https://sweetvaluelab.com/tools/banks/c
ticker: C
tier: Money center
as_of: 2026-10-16
---
# Citigroup (C) — bank health

Citigroup, Money center, trades at 1.53× tangible book against a 13.0% return on tangible common equity, a 8% premium to the return-driven theory line. Prices as of Oct 16, 2026; trailing-twelve-month figures through Sep 30, 2026.

## The card

| Figure | C | Money center average (3) |
| --- | ---: | ---: |
| Price | $124.26 |  |
| P/TBV | 1.53× |  |
| Tangible book per share | $81.03 |  |
| P/E | 12.1 |  |
| EPS (TTM) | $10.25 |  |
| Dividend per share (TTM) | $2.47 |  |
| Dividend yield | 2.0% |  |
| Payout | 24.1% |  |
| ROTCE | 13.0% | 18.7% |
| ROA | 0.66% |  |
| Efficiency ratio | 60.4% | 58.7% |
| Net interest income share | 52.2% | 53.0% |
| Credit cost | 10.86% | 5.04% |
| AOCI / TCE | -27.8% | -8.9% |
| CET1 | 12.8% |  |
| CET1 requirement | 11.6% |  |
| Total assets | $2.9T |  |
| Leverage (assets / TCE) | 19.7× |  |
| P/TBV at 9% / 10% / 11% ROTCE (theory) | 1.66× / 1.42× / 1.24× |  |

## Lights

- Provision is 10.9% of net revenue

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Source: https://sweetvaluelab.com/tools/banks/c (SweetValueLab, free, no account). Quarterly statements from Financial Modeling Prep, closes from the daily price cache; the engine's rules are on the board page. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.