Citigroup Inc.
- Price
- 132.19 USD
- Fair value
- 62.04 USD
- Discount to fair value
- −113%
- Mkt cap
- 225.46B
- P/E
- 16.5×
- P/B
- 1.06×
- EV
- 243.59B
- Div yield
- 2.38%
- ROE
- 6.4%
- Net margin
- 16.0%
Current price132.19USD
Fair value (est., median)62.04USD
UndervaluedFair valueOvervalued
+113.1% above fair valueWould need to fall ~53.1% to reach fair value.
Median ofDDM 64.23Graham 146.83Residual Income 40.19Earnings Power 59.85
Health Check
43.1
Overall / 100
Good (66+)Caution (40–65)Risk (<40)
Rewards
—
Risks
- Trades 113.1% above estimated fair value.
- Low fair-value confidence — methods disagree or data is thin.
Scores are computed automatically from the real financial statements (Value from fair value; the rest from growth, profitability, balance sheet and dividends). A decision aid, not investment advice.
Price, corporate actions & news
Demo series
D — DividendS — Split▲ good · ▼ bad newstap a marker for details
Growth & profitability
Revenue, net income and margin.
RevenueNet incomeNet margin %tap a bar for figures
Key figures
Covers 19 years · FY2007–FY2025
| Metric | FY'21 | FY'22 | FY'23 | FY'24 | FY'25 |
|---|---|---|---|---|---|
| Revenue | 71.88B | 74.91B | 78.08B | 80.70B | 85.22B |
| Net Income | 21.95B | 14.27B | 8.54B | 12.07B | 13.66B |
| Net Margin | 30.5% | 19.1% | 10.9% | 15.0% | 16.0% |
| Operating Cash Flow | 47.09B | 25.07B | -73.42B | -19.67B | -67.63B |
| OCF Margin | 65.5% | 33.5% | -94.0% | -24.4% | -79.4% |
| Capital Expenditure | 4.12B | 5.63B | 6.58B | 6.50B | 6.52B |
| Free Cash Flow | 42.97B | 19.44B | -80.00B | -26.17B | -74.15B |
| FCF Margin | 59.8% | 25.9% | -102.5% | -32.4% | -87.0% |
| FCF Conversion | 195.7% | 136.2% | -936.9% | -216.8% | -542.7% |
| EPS (Diluted) | 12.87/sh | 8.37/sh | 5.01/sh | 7.08/sh | 8.01/sh |
| Dividend / Share | 3.05/sh | 2.93/sh | 3.06/sh | 3.05/sh | 3.15/sh |
Dividend return (if you buy today)if you buy today
Dividend yield2.38%
Dividend / share3.15 USD
If you invest
USD
Shares (≈)75
Est. annual income236.23 USD
At this rate, dividends alone return your capital in ~42.0 years.
Dividend history
Dividend / share & historical yield (USD).
Dividend / share yield %tap a bar for figures
Quarterly dividends & yield
Per-share dividends by quarter, full-year total, and yield on the year's average price · USD
| Year | Q1 | Q2 | Q3 | Q4 | Full year | Yield (avg) |
|---|---|---|---|---|---|---|
| 2026 | 0.60 | 0.60 | — | — | 1.20 | 0.9% |
| 2025 | — | — | — | — | 3.15 | 3.4% |
| 2024 | — | — | — | — | 3.05 | 4.7% |
| 2023 | — | — | — | — | 3.06 | 6.6% |
| 2022 | — | — | — | — | 2.93 | 6.3% |
Corporate actions
DCash Dividend
0.60 USD /sh2026-05-04
DCash Dividend
0.60 USD /sh2026-02-02
DCash Dividend
0.60 USD /sh2025-11-03
DCash Dividend
0.60 USD /sh2025-08-04
DCash Dividend
0.56 USD /sh2025-05-05
DCash Dividend
0.56 USD /sh2025-02-03
DCash Dividend
0.56 USD /sh2024-11-04
DCash Dividend
0.56 USD /sh2024-08-05
DCash Dividend
0.53 USD /sh2024-05-03
DCash Dividend
0.53 USD /sh2024-02-02
Valuation breakdown
Fair value = median of the applicable methods (DDM، Graham، Residual Income، Earnings Power).
Each method below is a different lens on the same company — no single method dominates the result.
Discounted Cash Flow
Excluded — non-positive free cash flow
N/A
Dividend Discount Model
Values the share from the dividends it's expected to keep paying. · Tap to adjust assumptions
64.23 USD
Graham Number
A conservative benchmark built from earnings and book value. · Tap to adjust assumptions
146.83 USD
Residual Income (justified P/B)
Values the profit the company earns above the cost of its equity. · Tap to adjust assumptions
40.19 USD
Earnings Power Value
Values today's earning power as-is, assuming no growth. · Tap to adjust assumptions
59.85 USD
DCF only is anchored on FY2025 — the latest year with positive cash flow that supports a value. The other methods (DDM, Graham, RIM, EPV) use current / normalized figures.
Fair Value (median)62.04 USD
▸ Show assumptions▾ Assumptions
- Effective discount rate
- 8.05%
- CAPM cost of equity
- 12.86%
- Risk-free rate
- 4.50%
- Equity risk premium
- 7.50%
- DCF growth (stage 1)
- 8.00%
- DCF terminal growth
- 3.00%
- DCF forecast years
- 10
- DDM dividend growth
- 3.00%
Tune these per company in the Hajras Odoo backend; values recompute automatically.
Wealth simulator
What if you'd invested in Citigroup Inc. regularly?
Starting year
- Invested
- 1K/yr · 42K total(1985 → today · 42 yrs)
- your value today is
- 684.3K USD
- Total return
- +1529.3%(+1386.8% Dividends · +142.6% Capital gain)
- Annualised (IRR)
- +29.9%
Invested42KUSD
Dividends582.4KUSD
Capital gain59.9KUSD
InvestedCapital gainDividendstap a bar for figures
Community Notes0
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