Is It Time To Reassess Citigroup (C) After A 71% One Year Share Price Jump

Simply Wall St.01-07

If you are wondering whether Citigroup’s current share price offers genuine value or just looks cheap on the surface, this article will walk you through what the numbers are actually saying. Citigroup...

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Citigroup...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-c/citigroup/news/is-it-time-to-reassess-citigroup-c-after-a-71-one-year-share\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is It Time To Reassess Citigroup (C) After A 71% One Year Share Price Jump</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs It Time To Reassess Citigroup (C) After A 71% One Year Share Price Jump\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-07 22:34 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nyse-c/citigroup/news/is-it-time-to-reassess-citigroup-c-after-a-71-one-year-share><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you are wondering whether Citigroup’s current share price offers genuine value or just looks cheap on the surface, this article will walk you through what the numbers are actually saying. Citigroup...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-c/citigroup/news/is-it-time-to-reassess-citigroup-c-after-a-71-one-year-share\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4566","symbol_name":"资本集团","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nyse-c/citigroup/news/is-it-time-to-reassess-citigroup-c-after-a-71-one-year-share","article_id":"2601672388","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/company-cover/391687-main-header/1756233560597"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nyse-c/citigroup/news/is-it-time-to-reassess-citigroup-c-after-a-71-one-year-share","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2601672388","pubTimestamp":1767796470,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you are wondering whether Citigroup’s current share price offers genuine value or just looks cheap on the surface, this article will walk you through what the numbers are actually saying.\nCitigroup shares last closed at US$122.50, with returns of 4.5% over 7 days, 12.5% over 30 days, 3.2% year to date, 70.9% over 1 year, 183.5% over 3 years, and 119.7% over 5 years. These figures raise fair questions about how much of the story is already reflected in the price.\nRecent coverage has...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4566":"资本集团","LU2417539215.USD":"ALLIANZ GLOBAL INCOME \"AMF\" (USD) INC","LU0648001328.SGD":"Natixis Harris Associates US Equity RA SGD","IE00BSNM7G36.USD":"NEUBERGER BERMAN SYSTEMATIC GLOBAL SUSTAINABLE VALUE \"A\" (USD) ACC","LU0980610538.SGD":"Natixis Harris Associates US Equity RA SGD-H","LU0072461881.USD":"BGF US BASIC VALUE \"A2\" ACC","LU2125154935.USD":"ALLSPRING (LUX) WF GLOBAL EQUITY ENHANCED INCOME \"I\" (USD) INC","LU0130102774.USD":"Natixis Harris Associates US Equity RA USD","LU1201861249.SGD":"Natixis Harris Associates US Equity PA SGD-H","LU1244550577.SGD":"FTIF - Franklin Global Multi-Asset Income A (Mdis) SGD-H1","LU0477156953.USD":"HARRIS ASSOCIATES US VALUE EQUITY \"RE\" (USD) ACC","LU1791807156.HKD":"BGF WORLD FINANCIALS \"A2\" (HKDHDG) ACC","LU0052756011.USD":"TEMPLETON GLOBAL BALANCED \"A\" (USD) INC","LU0310800965.SGD":"FTIF - Templeton Global Balanced A Acc SGD","C":"花旗","BK4504":"桥水持仓","BK4559":"巴菲特持仓","LU0098860793.USD":"FRANKLIN INCOME \"A\" INC","BK4588":"碎股","LU2456880835.USD":"ALLIANZ GLOBAL INCOME \"AT\" (USD) ACC","LU2236285917.USD":"ALLIANZ GLOBAL INCOME \"AMG\" (USD) INC","BK4207":"综合性银行","LU0170899867.USD":"EASTSPRING INVESTMENTS WORLD VALUE EQUITY  \"A\" (USD) ACC","LU1162221912.USD":"FRANKLIN INCOME \"A\" (USD) ACC","LU1244550221.USD":"FRANKLIN GLOBAL MULTI-ASSET  INCOME \"A\" (USDHEDGED) INC (M)","LU0320765646.SGD":"FTIF - Franklin Income A MDIS SGD-H1","LU1366192091.USD":"ALLIANZ US EQUITY PLUS \"AM\" (USD) INC","LU0106831901.USD":"贝莱德世界金融基金A2","LU2360032135.SGD":"ALLSPRING GLOBAL EQUITY ENHANCED INCOME \"A\" (SGDHDG) INC","LU1668664300.SGD":"Blackrock World Financials A2 SGD-H","LU0128525689.USD":"TEMPLETON GLOBAL BALANCED \"A\"(USD) ACC","LU2462157665.USD":"ALLIANZ GLOBAL INCOME \"A\" (USD) INC","LU1244550494.USD":"FRANKLIN GLOBAL MULTI-ASSET INCOME \"A\" (USDHEDGED) ACC","BK4585":"ETF&股票定投概念","BK4534":"瑞士信贷持仓","LU2125154778.USD":"ALLSPRING GLOBAL EQUITY ENHANCED INCOME \"A\" (USD) INC","LU0130517989.USD":"HARRIS ASSOCIATES US VALUE EQUITY \"R\" INC","LU1267930227.SGD":"TEMPLETON GLOBAL BALANCED \"AS\" (SGD) ACC A","LU0162691827.USD":"BGF US BASIC VALUE \"A4\" INC"},"translate_title":"花旗集团(C)股价一年上涨71%后，是时候重新评估它了吗？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"C":1.5},"content_text":"If you are wondering whether Citigroup’s current share price offers genuine value or just looks cheap on the surface, this article will walk you through what the numbers are actually saying. Citigroup shares last closed at US$122.50, with returns of 4.5% over 7 days, 12.5% over 30 days, 3.2% year to date, 70.9% over 1 year, 183.5% over 3 years, and 119.7% over 5 years. These figures raise fair questions about how much of the story is already reflected in the price. Recent coverage has focused on Citigroup’s ongoing restructuring efforts, management’s attempts to simplify the business model, and regulatory scrutiny that continues to shape how the bank operates. These themes help frame how investors are thinking about risk and potential rewards at the current share price. On our framework, Citigroup scores 3 out of 6 on valuation checks. You can see the full breakdown in this valuation summary, which sets us up to compare different methods for estimating fair value and, later on, discuss an approach that can give you a clearer picture than headline ratios alone.  Citigroup delivered 70.9% returns over the last year. See how this stacks up to the rest of the Banks industry. AdvertisementApproach 1: Citigroup Excess Returns Analysis The excess returns model evaluates how much profit a bank can earn above its cost of equity and then capitalizes those surplus returns into an intrinsic value per share. For Citigroup, the current book value is $108.41 per share, with a stable book value estimate of $126.79 per share, based on weighted future book value estimates from 11 analysts. The model uses a stable EPS of $11.66 per share, sourced from weighted future return on equity estimates from 12 analysts, against a cost of equity of $10.35 per share. That gap translates into an excess return of $1.32 per share, supported by an average return on equity of 9.20% in the model. Using these inputs, the excess returns approach produces an intrinsic value estimate of about $153.63 per share. Compared with Citigroup’s recent share price of $122.50, this implies a discount of roughly 20.3%, indicating that the shares are currently priced below this model’s estimate of fair value. Result: UNDERVALUED Our Excess Returns analysis suggests Citigroup is undervalued by 20.3%. Track this in your watchlist or portfolio, or discover 877 more undervalued stocks based on cash flows. C Discounted Cash Flow as at Jan 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Citigroup. Approach 2: Citigroup Price vs Earnings For profitable companies like Citigroup, the P/E ratio is a useful yardstick because it tells you how much investors are paying for each dollar of current earnings. It condenses a lot of expectations about the business into a single number that is easy to compare across banks. What counts as a normal or fair P/E depends on two big drivers: how quickly earnings are expected to grow and how much risk investors see in those earnings. Higher expected growth or lower perceived risk can justify a higher P/E, while slower growth or higher risk usually lines up with a lower multiple. Citigroup is trading on a P/E of 16.31x, above the Banks industry average of 11.87x and the peer average of 14.16x. Simply Wall St’s Fair Ratio for Citigroup is 17.40x, a proprietary estimate of what the P/E should be after adjusting for factors like earnings growth, profit margins, industry, market cap and risk profile. Because it blends these company specific features, the Fair Ratio can provide a more tailored anchor than a simple comparison with peers or the broad industry. On that basis, Citigroup’s current P/E is below the Fair Ratio, which indicates that the shares may be undervalued on this metric. Result: UNDERVALUED NYSE:C P/E Ratio as at Jan 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Discover 1448 companies where insiders are betting big on explosive growth. Upgrade Your Decision Making: Choose your Citigroup Narrative Earlier we mentioned that there is an even better way to understand valuation, so let us introduce you to Narratives. These let you attach a clear story to your own view of Citigroup’s fair value by tying your assumptions about future revenue, earnings and margins directly to a set of forecasts and a valuation that you can compare with today’s share price. On Simply Wall St’s Community page, Narratives are an easy tool used by millions of investors. You can say what you think is realistic for Citigroup, have the model translate that into a fair value, and then quickly see how that stacks up against the current market price to help you decide whether you see the stock as attractive, fully priced or expensive. Because Narratives update automatically when new information arrives, such as earnings releases or news about Citi Token Services or business reorganization, your fair value view can adjust without you rebuilding a spreadsheet every time something changes. For example, one Citigroup Narrative on the platform currently implies a fair value of about US$233 per share based on relatively upbeat assumptions, while another implies about US$116 per share on more cautious assumptions. It is this spread of informed views that helps you decide which story you think is closer to reality. For Citigroup however we will make it really easy for you with previews of two leading Citigroup Narratives: These are live examples of how different investors join the dots between Citi’s business, the numbers you have seen above, and their own idea of fair value. One skews optimistic on Citi’s digital assets and core banking momentum, and the other leans more cautious about execution risks and competition. 🐂 Citigroup Bull Case Fair value: US$233.04 per share Gap to this fair value: Citigroup trades at about 47.4% below this narrative’s estimate Revenue growth assumption: 6%  Sees the GENIUS Act and Citi Token Services as a clear framework and early lead for Citi in stablecoins and institutional digital assets, with Citi handling the heavy lifting on compliance and cross border flows. Highlights strong recent momentum across Services, Markets, Investment Banking, Wealth and U.S. Personal Banking, along with active capital returns through buybacks and dividends. Assumes Citi’s transformation, automation and AI efforts eventually lift returns on tangible equity well above 11%, with a long term revenue and earnings profile that supports a fair value of about US$230 per share and a meaningful combined dividend and buyback yield.  🐻 Citigroup Bear Case Fair value: US$116.00 per share Gap to this fair value: Citigroup trades at about 5.6% above this narrative’s estimate Revenue growth assumption: 5.49%  Assumes Citi grows revenue and profit margins over the next few years, helped by digital rollouts, automation and a focus on fee based areas like wealth and institutional banking. Flags meaningful risks from heavy transformation spending, regulatory pressure, intense competition from fintechs and large banks, and ongoing restructuring, all of which could limit efficiency gains. Ties these assumptions into an analyst style fair value around US$116 per share, with a view that the current price sits only modestly above consensus and that the stock is roughly in line with that narrative.  Looking at these side by side, you can see how two sets of reasonable inputs on the same company land in very different places on fair value. The gap between US$233 and US$116 is the “story range” you are being asked to take a view on, based on how much confidence you put in Citi’s digital assets push, its restructuring, and its ability to control costs while growing the core franchise. If you want to put your own view on the record, you can use these as starting points, tweak the revenue growth, margins and valuation multiple to something that fits your expectations for Citi, and see where your personal fair value comes out. Curious how numbers become stories that shape markets? Explore Community Narratives Do you think there's more to the story for Citigroup? Head over to our Community to see what others are saying! NYSE:C 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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