What is the fair value of C?

Based on inv-AI’s institutional-grade analysis, the 12-month fair value estimate for Citigroup Inc. (C) is $128 (range: $98–$155). Confidence level: MEDIUM.

Is C overvalued or undervalued?

Citigroup Inc. (C) is rated Fairly Priced by inv-AI. The current price is $130.21 versus a mid fair value of $128, implying -1.7% upside.

What is the C price target for 2026?

inv-AI’s 2026 fair value range for Citigroup Inc. (C) is $98 (bear) to $155 (bull), with a base case of $128.

Citigroup Inc. (C) Valuation

Rating: Fairly Priced

12-Month Fair Value: $98 – $128 – $155

Confidence: MEDIUM

Citigroup Q1 2026 confirmed Jane Fraser's turnaround: EPS $3.06 beat $2.63 consensus, revenue $24.63B beat $23.53B (+14% YoY), net income $5.8B (+42% YoY), Markets revenue crossed $7B (+19% YoY), Services +17%, Banking fees +12% (record Q1 M&A), efficiency improved to 58%, ROTCE 13.1% above the 11-12% medium-term target, $6.3B Q1 buyback. Book value +8% to $112.22, TBV +8% to $99.01. Stock +3.11% on the print. Bank-specific valuation (P/B 30%, DDM 25%, P/E 25%, ECF 20%) yields base FV $128 vs current $130.21 — effectively FAIRLY_PRICED. Thesis: the re-rating from historical 0.6-0.8x P/TBV trough is real but mostly captured; incremental upside requires sustained >13% ROTCE and efficiency <58%, which is where Citi's execution risk clusters.

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