SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Citigroup Inc. (C) trades at a trailing P/E of 15.6, forward P/E of 12.5. Trailing earnings yield is 6.40%, forward earnings yield 7.99%. PEG 0.85 (Peter Lynch undervalued ≤1.0). Graham Number is $143.93.
Criteria proven by this page:
- VALUE (76/100, Pass) — P/E is below market average (15.6); PEG ≤ 1.0 — Peter Lynch undervalued (0.85); earnings yield beats bond yields (6.40%).
- Forward P/E 12.5 (down from trailing 15.6) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.85 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 6.40% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 7.99% as earnings recover.
- Analyst consensus target $132.09 (+1.9% upside) — modest upside expected.
Overall SharesGrow Score: 60/100 with 4/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
76/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
0/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — C
Valuation Multiples
P/E (TTM)15.6
Forward P/E12.5
PEG Ratio0.85
Forward PEG0.26
P/B Ratio1.05
P/S Ratio1.27
EV/EBITDA25.1
Per Share Data
EPS (TTM)$7.84
Forward EPS (Est.)$10.36
Book Value / Share$117.47
Revenue / Share$92.46
FCF / Share$-53.31
Yields & Fair Value
Earnings Yield6.40%
Forward Earnings Yield7.99%
Dividend Yield1.93%
Graham Number$143.93
SharesGrow IV$154.03 (+18.8%)
Analyst Target$132.09 (+1.9%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
11.5 |
-0.91 |
0.76 |
2.06 |
1.33% |
| 2017 |
-29.5 |
0.18 |
1.00 |
2.26 |
1.89% |
| 2018 |
7.2 |
-0.02 |
0.66 |
1.34 |
3.87% |
| 2019 |
9.3 |
0.45 |
0.93 |
1.74 |
3.03% |
| 2020 |
11.6 |
-0.28 |
0.64 |
1.45 |
4.16% |
| 2021 |
5.6 |
0.05 |
0.61 |
1.54 |
4.23% |
| 2022 |
5.9 |
-0.19 |
0.44 |
0.88 |
5.68% |
| 2023 |
10.8 |
-0.26 |
0.48 |
0.64 |
5.25% |
| 2024 |
10.6 |
0.22 |
0.64 |
0.78 |
3.88% |
| 2025 |
14.9 |
0.75 |
1.00 |
1.26 |
2.53% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$4.74 |
$83.31B |
$14.91B |
17.9% |
| 2017 |
$-2.76 |
$88.96B |
$-6.8B |
-7.6% |
| 2018 |
$6.68 |
$97.12B |
$18.05B |
18.6% |
| 2019 |
$8.04 |
$103.45B |
$19.4B |
18.8% |
| 2020 |
$4.87 |
$88.83B |
$11.05B |
12.4% |
| 2021 |
$10.14 |
$79.87B |
$21.95B |
27.5% |
| 2022 |
$7.00 |
$100.22B |
$14.85B |
14.8% |
| 2023 |
$4.04 |
$155.38B |
$9.23B |
5.9% |
| 2024 |
$5.91 |
$170.71B |
$12.68B |
7.4% |
| 2025 |
$6.99 |
$168.3B |
$14.27B |
8.5% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$10.34 |
$9.56 – $10.87 |
$91.19B |
$89.83B – $92.01B |
15 |
| 2027 |
$12.17 |
$11.37 – $13.06 |
$94.63B |
$92.21B – $96.35B |
14 |
| 2028 |
$14.34 |
$12.13 – $15.67 |
$98.38B |
$97.94B – $97.99B |
8 |
| 2029 |
$15.55 |
$15.18 – $15.93 |
$101B |
$98.91B – $102.67B |
6 |
| 2030 |
$17.60 |
$17.18 – $18.03 |
$104.62B |
$102.59B – $106.49B |
6 |
