Citigroup Inc.
Current price141.21USD
Fair value (est., median)104.77USD
UndervaluedFair valueOvervalued
+34.8% above fair valueWould need to fall ~25.8% to reach fair value.
Health Check
46
Overall / 100
Good (66+)Caution (40–65)Risk (<40)
Value15.2/100
Trades about 34.8% above its estimated fair value.
- Discount to fair value
- -34.8%
- Price to book
- 1.13×
- Fair-value confidence
- —
Future45.3/100
Modest growth of about 8% a year is expected.
- Forecast growth (rev.)
- 8%
- Revenue CAGR (18y)
- 0.5%
- Earnings CAGR (18y)
- 7.7%
Past50.7/100
A steady, profitable operating history.
- Return on equity
- 6.4%
- Net margin
- 16%
- Earnings CAGR (18y)
- 7.7%
- Profitable years
- 16/19
Health61.4/100
Balance sheet is manageable.
- Debt to equity
- 173.2%
- Net debt to equity
- 8.5%
- Cash covers total debt
- No
- Free cash flow
- Negative
Dividend57.3/100
Yields 2.23%, paying out 39.3% of earnings.
- Dividend yield
- 2.23%
- Payout ratio
- 39.3%
- Covered by free cash flow
- No
- Years paying
- 19
- Dividend growth
- —
Rewards
—
Risks
- Trades 34.8% above estimated fair value.
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
| 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 yield2.23%
Dividend / share3.15 USD
If you invest
USD
Shares (≈)70
Est. annual income220.48 USD
At this rate, dividends alone return your capital in ~44.8 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% |
| 2021 | — | — | — | — | 3.05 | 4.4% |
| 2020 | — | — | — | — | 3.14 | 6.3% |
| 2019 | — | — | — | — | 3.19 | 4.5% |
| 2018 | — | — | — | — | 2.94 | 4.6% |
| 2017 | — | — | — | — | 2.23 | 3.3% |
| 2016 | — | — | — | — | 1.34 | 2.8% |
| 2015 | — | — | — | — | 0.73 | 1.4% |
| 2014 | — | — | — | — | 0.37 | 0.7% |
| 2013 | — | — | — | — | 0.18 | 0.4% |
| 2012 | — | — | — | — | 0.08 | 0.2% |
| 2011 | — | — | — | — | 0.06 | 0.2% |
| 2010 | — | — | — | — | 0.01 | 0.0% |
| 2009 | — | — | — | — | 1.90 | 5.6% |
| 2008 | — | — | — | — | 4.41 | 2.7% |
| 2007 | — | — | — | — | 6.32 | 1.4% |
| 2006 | 4.90 | 4.90 | 4.90 | 4.90 | 19.60 | 3.9% |
| 2005 | 4.40 | 4.40 | 4.40 | 4.40 | 17.60 | 3.8% |
| 2004 | 4.00 | 4.00 | 4.00 | 4.00 | 16.00 | 3.4% |
| 2003 | 2.00 | 2.00 | 3.50 | 3.50 | 11.00 | 2.6% |
| 2002 | 1.60 | 1.80 | 25.95 | 1.80 | 31.15 | 8.1% |
| 2001 | 1.40 | 1.40 | 1.60 | 1.60 | 6.00 | 1.3% |
| 2000 | 1.20 | 1.20 | 1.40 | 1.40 | 5.20 | 1.1% |
| 1999 | 0.90 | 1.05 | 1.05 | 1.05 | 4.05 | 1.1% |
| 1998 | 0.63 | 0.63 | 0.63 | 0.90 | 2.79 | 1.1% |
| 1997 | 0.50 | 0.50 | 0.50 | 0.50 | 2.00 | 0.9% |
| 1996 | 0.38 | 0.38 | 0.38 | 0.38 | 1.52 | 1.2% |
| 1995 | 0.33 | 0.33 | 0.33 | 0.33 | 1.32 | 1.6% |
| 1994 | 0.21 | 0.25 | 0.25 | 0.25 | 0.96 | 1.7% |
| 1993 | 0.20 | 0.20 | 0.21 | 0.21 | 0.82 | 1.2% |
| 1992 | 0.10 | 0.17 | 0.17 | 0.17 | 0.61 | 1.7% |
| 1991 | 0.08 | 0.08 | 0.10 | 0.10 | 0.36 | 1.3% |
| 1990 | 0.07 | 0.07 | 0.08 | 0.08 | 0.30 | 1.4% |
| 1989 | 0.06 | 0.06 | 0.06 | 0.07 | 0.25 | 1.2% |
| 1988 | 0.33 | 0.33 | 0.33 | 0.33 | 1.32 | 5.9% |
| 1987 | — | 0.33 | 0.33 | 0.33 | 0.99 | 3.0% |
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).
Discounted Cash Flow
Excluded — non-positive free cash flow
N/A
Dividend Discount Model
Tap to adjust assumptions
62.72 USD
Graham Number
Tap to adjust assumptions
146.83 USD
Residual Income (justified P/B)
Excluded — needs positive book value
N/A
Earnings Power Value
Excluded — non-positive normalized earnings
N/A
Fair Value (median)104.77 USD
▸ Show assumptions▾ Assumptions
- Effective discount rate
- 8.17%
- 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
- 691.3K USD
- Total return
- +1545.9%(+1386.8% Dividends · +159.1% Capital gain)
- Annualised (IRR)
- +29.9%
Invested42KUSD
Dividends582.4KUSD
Capital gain66.8KUSD
InvestedCapital gainDividendstap a bar for figures
Community Notes0
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