C

SELL

Citigroup, Inc.

Financial Services · Rank #344 · Analyzed Apr 20, 2026

$132.18

Current Price

$122.87

Intrinsic Value

+11.5%

Upside/Downside

2/10

Score

2/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree

Quality Score2/5.0

Framework RatingSELL

Price vs Intrinsic ValueUndervalued by 11.5%

Fair Value Range

Low$76.18

Base (IV)$122.87

High$147.44

Entry Points

Conservative$76.18

Moderate$99.52

Aggressive$122.87

⚠️ Warnings

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

Quality & Moat Breakdown

Return on Equity7.6% → 0/1.0

Debt LevelD/E 100 → 0/1.0

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

Moat Strength2.0/5 → 0/1.0

Profit Margins20.4% → 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.