Citigroup (XSGO:C) Cyclically Adjusted Book per Share: $ (As of Jun. 2026)

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XSGO:C Citigroup Inc XSGO:C
74 GF Score
Price $136.18
GF Value $52.48
! 6 Warning Signs
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What is Citigroup Cyclically Adjusted Book per Share?

Citigroup XSGO:C 74 Cyclically Adjusted Book per Share is $ as of Jun. 2026. GuruFocus rates XSGO:C with a GF Score™ of 74/100 and a GF Value™ of $52.48. The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Citigroup's adjusted book value per share for the three months ended in Jun. 2026 was $116.189. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $ for the trailing ten years ended in Jun. 2026.

During the past 12 months, Citigroup's average Cyclically Adjusted Book Growth Rate was 4.90% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 4.40% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 6.00% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was -0.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Citigroup was 17.90% per year. The lowest was -15.40% per year. And the median was 5.20% per year.

As of today (2026-09-22), Citigroup's current stock price is $136.18. Citigroup's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was $. Citigroup's Cyclically Adjusted PB Ratio of today is .

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Citigroup was 1.36. The lowest was 0.40. And the median was 0.75.


Citigroup  (XSGO:C) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Citigroup was 1.36. The lowest was 0.40. And the median was 0.75.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Citigroup Cyclically Adjusted Book per Share Related Terms


Citigroup Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Citigroup's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Citigroup Cyclically Adjusted Book per Share Chart

Citigroup Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
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Citigroup Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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XSGO:C vs WFC, BNY, BAC: Cyclically Adjusted Book per Share Comparison

For the Banks - Diversified subindustry, Citigroup's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Citigroup Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Citigroup's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Citigroup's Cyclically Adjusted PB Ratio falls into.


XSGO:C
74GF Score
Citigroup Inc XSGO:C
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Citigroup Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Citigroup's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=116.189/333.9520*333.9520
=116.189

Current CPI (Jun. 2026) = 333.9520.

Citigroup Quarterly Data

Book Value per Share CPI Adj_Book
201609 74.897 241.428 103.600
201612 74.625 241.432 103.222
201703 76.237 243.801 104.427
201706 77.757 244.955 106.008
201709 81.206 246.819 109.874
201712 70.983 246.524 96.157
201803 72.045 249.554 96.410
201806 72.293 251.989 95.807
201809 73.226 252.439 96.871
201812 75.413 251.233 100.243
201903 77.422 254.202 101.711
201906 79.737 256.143 103.959
201909 81.344 256.759 105.800
201912 83.234 256.974 108.167
202003 84.063 258.115 108.762
202006 83.734 257.797 108.470
202009 84.831 260.280 108.842
202012 86.797 260.474 111.282
202103 88.529 264.877 111.616
202106 91.236 271.696 112.142
202109 92.535 274.310 112.654
202112 92.563 278.802 110.873
202203 92.361 287.504 107.282
202206 93.267 296.311 105.115
202209 92.997 296.808 104.635
202212 94.396 296.797 106.213
202303 96.969 301.836 107.287
202306 98.238 305.109 107.525
202309 99.640 307.789 108.110
202312 99.128 306.746 107.920
202403 99.504 312.332 106.392
202406 100.139 314.175 106.443
202409 102.340 315.301 108.394
202412 102.029 315.605 107.960
202503 104.355 319.799 108.973
202506 107.437 322.561 111.231
202509 108.887 324.800 111.955
202512 110.882 324.054 114.269
202603 113.171 330.213 114.452
202606 116.189 333.952 116.189

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $ mean?
Citigroup (XSGO:C) has a Cyclically Adjusted Book per Share of $ as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Citigroup and its competitors.
Is Citigroup's Cyclically Adjusted Book per Share too high?
Citigroup's current Cyclically Adjusted Book per Share is $. Overall, Citigroup has a GF Score™ of 74/100, reflecting its overall financial health beyond just this single metric.
How does Citigroup's Cyclically Adjusted Book per Share compare to WFC and BNY?
Citigroup's Cyclically Adjusted Book per Share of $ can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Citigroup and its competitors. Citigroup's current Cyclically Adjusted Book per Share is $. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citigroup stock overvalued right now?
Citigroup (XSGO:C) has a current Cyclically Adjusted Book per Share of $. The stock's GF Value™ is $52.48, compared to a current price of $136.18 — trading 159.5% above its estimated fair value. The current Cyclically Adjusted Book per Share is $. Citigroup's overall GF Score™ is 74/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Citigroup (XSGO:C), the current Cyclically Adjusted Book per Share is $ as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Citigroup (XSGO:C) Overvalued in 2026?

Based on GuruFocus' analysis, Citigroup stock appears to be overvalued. The current stock price of $136.18 is trading 159.5% above its estimated GF Value™ of $52.48.

Key valuation signals for XSGO:C:

  • Cyclically Adjusted Book per Share: $
  • GF Value™: $52.48 vs. price of $136.18 (159.5% above fair value)
  • GF Score™: 74/100 with 6 warning signs

No single metric tells the full story. See the XSGO:C stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Citigroup Business Description

Address 388 Greenwich Street, New York, NY, USA, 10013
Citigroup is a global financial powerhouse that orchestrates the movement of $5 trillion in daily transaction volume, serving as the essential connective tissue for the world's most complex multinational corporations. The firm remains a leader on the global stage, servicing 90% of the Fortune 500 through a proprietary network that includes direct membership to over 270 cash-clearing centers and a footprint that spans 94 countries. After a checkered history operating as an overly complex, disjointed firm, steps have been taken to streamline operations, resulting in organization across five segments: services, markets, banking, wealth, and US personal banking.
74GF Score

Get the complete analysis for XSGO:C

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$136.18
Price
$52.48
GF Value