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$115.71

Public overview and default valuation.

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Valuation Details
Default assumptions: 10Y forecast, 9% market return, 2.5% terminal growth, -83.99% trendline growth.
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-$27.34

With 20% Margin of Safety (MoS):

-$21.87
-118.90% downside
Capital Efficiency
Average Quarterly ROIC
1.12%
Cost of Capital (estimated)11%
Value StatusUnderperforming Capital

The company is earning below its required return. This may indicate inefficient use of capital or excess cash that isn't being reinvested.

Complete historical ROIC is available with
.
Fundamental Score
16
BearishWeighted across 6 signals
DCF Discount
118.9% premium to price
0
FCF Yield
-30.3% trailing FCF yield
0
ROIC vs WACC
ROIC 1.1% vs WACC 11.0% (0.1x)
5
Net Debt / FCF
Net cash position
100
Buybacks
Share count flat
50
FCF CAGR (5Y)
-88.7% 5Y FCF CAGR (adjusted)
0
Strengths: Net Debt / FCF. Concerns: DCF Discount, FCF Yield.
Narrative Score
75
Improving
Weighted across 6 recent drivers · Last 30 daysVs 6-Month Baseline: High (97th pct)
Trend: Improving upConfidence: 100%Updated: 4h ago
Sources: 213 (News 200 · Analyst 13)
Drivers
135 news sentiment+2.0
52 regulatory scrutiny+0.6
3 layoffs-0.2
2 earnings beat-0.1
Earnings miss+0.0
Legal risk-0.0
Other Metrics
P/E14.8
Profit Margin8.5%
Owner Earnings$24.12b
One Dollar Premise30.00%
Debt/Equity11.33
Current Ratio0.36
PEG-7.115
Free Cash Flow (in millions)
20052006200720082009201020112012201320142015201620172018201920202021202220232024
$35,523$3,870-$67,548$101,466-$52,346$38,049$68,243-$6,758$66,734$49,729$42,935$56,688-$5,413$40,726-$7,501-$20,042$51,209$30,701-$66,833-$62,814
How Intrinziq Estimates Fair Value

Intrinziq estimates Citigroup Inc.'s intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.

Citigroup Inc.Financial Services

Citigroup Inc., a diversified financial services holding company, provides various financial products and services to consumers, corporations, governments, and institutions in North America, Latin America, Asia, Europe, the Middle East, and Africa. The company operates in two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, Citi-branded cards, and Citi retail services. It also provides various banking, credit card, lending, and investment services through a network of local branches, offices, and electronic delivery systems. The ICG segment offers wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime brokerage, derivative, equity and fixed income research, corporate lending, investment banking and advisory, private banking, cash management, trade finance, and securities services to corporate, institutional, public sector, and high-net-worth clients. As of December 31, 2020, it operated 2,303 branches primarily in the United States, Mexico, and Asia. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.

Last updated: Feb 06, 2026
Data sources: Financial Modeling Prep
This valuation is based on assumptions and publicly available data. It is not financial advice or a recommendation to buy or sell any security. Always do your own research before making investment decisions.