C

SELL

Citigroup, Inc.

Financial Services · Rank #373 · Analyzed Oct 18, 2026

$124.26

Current Price

$139.86

Intrinsic Value

+12.6%

Upside/Downside

1.5/10

Score

1.5/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree

Quality Score1.5/5.0

Framework RatingSELL

Price vs Intrinsic ValueUndervalued by 12.6%

Fair Value Range

Low$68.15

Base (IV)$139.86

High$167.83

Entry Points

Conservative$47.71

Moderate$68.15

Aggressive$97.90

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity9.4% → 0/1.0

Debt LevelD/E 100 → 0/1.0

Revenue QualityGrowth 5.6%, margin Δ+0.0% → 0.5/1.0

Moat Strength1.5/5 → 0/1.0

Profit Margins23.2% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods, Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation, with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.