# Is Citigroup Inc. (C) overvalued?

Source: https://www.equity-rank.com/is-it-overvalued/C

**On Equity Rank's model estimate, C trades close to its fair value (7% above it).** Citigroup Inc. (C) last closed at $119.05; the multi-method model fair value is $111.15.

| Price | Model fair value | Price vs model |
| --- | --- | --- |
| $119.05 | $111.15 | 7% above |

## What the answer rests on

- 5 of 10 valuation methods put C's value above its price and 5 put it below, so the methods disagree.
- C trades at 12.2 times its last year's earnings, against a median of 12.2 for 253 profitable Banks companies.
- Over the past year the price sat below the model fair value on 1% of trading days. The gap ranged from 1% below to 38% above the model fair value.

## Read this before relying on it

The model fair value is an estimate from published financial statements. It is not a forecast of where the price goes, and it can be wrong. Within 10% either side we call it close to fair value: valuation models are not precise enough to read more into a smaller gap. Our own lists have no proven edge over the market yet; [the live record](https://www.equity-rank.com/track-record) shows every result, misses included.

Data as of Fri, Nov 6, 2026. Informational only — not investment advice.

[Every valuation method behind C's fair value](https://www.equity-rank.com/stocks/C) · [What prices assume](https://www.equity-rank.com/priced-in) · [Other companies](https://www.equity-rank.com/is-it-overvalued)

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Fair value is a model estimate under stated assumptions — not a price target, not a prediction, and not a recommendation. This page is research information, not investment advice. Equity Rank is not a registered investment adviser.