Citigroup (XSWX:C) Cyclically Adjusted Book per Share: CHF86.88 (As of Jun. 2026)

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XSWX:C Citigroup Inc XSWX:C
74 GF Score
Price CHF111.50
GF Value CHF72.92
! 6 Warning Signs
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What is Citigroup Cyclically Adjusted Book per Share?

Citigroup XSWX:C -0.98% 74 Cyclically Adjusted Book per Share is CHF86.88 as of Jun. 2026. GuruFocus rates XSWX:C with a GF Score™ of 74/100 and a GF Value™ of CHF72.92. 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 CHF91.710. 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 CHF86.88 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 (2026-08-19), Citigroup's current stock price is CHF111.50. Citigroup's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was CHF86.88. Citigroup's Cyclically Adjusted PB Ratio of today is 1.28.

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 0.74.


Citigroup  (XSWX: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.

Citigroup's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=111.50/86.88
=1.28

* 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.

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 0.74.


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
Get a 7-Day Free Trial Premium Member Only Premium Member Only 93.92 135.48 0.00 0.00 0.00

Citigroup Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 81.47 86.88

XSWX: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.


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

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)
=91.71/333.9520*333.9520
=91.710

Current CPI (Jun. 2026) = 333.9520.

Citigroup Quarterly Data

Book Value per Share CPI Adj_Book
201609 72.509 241.428 100.297
201612 75.697 241.432 104.705
201703 75.980 243.801 104.075
201706 74.890 244.955 102.099
201709 75.857 246.819 102.636
201712 69.702 246.524 94.421
201803 67.945 249.554 90.924
201806 71.226 251.989 94.393
201809 70.564 252.439 93.349
201812 74.445 251.233 98.956
201903 77.130 254.202 101.328
201906 78.452 256.143 102.283
201909 80.263 256.759 104.394
201912 81.458 256.974 105.859
202003 80.341 258.115 103.946
202006 79.345 257.797 102.784
202009 77.296 260.280 99.175
202012 76.787 260.474 98.448
202103 81.988 264.877 103.369
202106 82.487 271.696 101.388
202109 85.050 274.310 103.542
202112 84.925 278.802 101.724
202203 85.532 287.504 99.350
202206 90.181 296.311 101.637
202209 90.234 296.808 101.526
202212 87.627 296.797 98.597
202303 89.400 301.836 98.912
202306 88.125 305.109 96.456
202309 89.311 307.789 96.903
202312 85.363 306.746 92.934
202403 88.041 312.332 94.135
202406 89.113 314.175 94.723
202409 86.336 315.301 91.443
202412 90.604 315.605 95.871
202503 91.806 319.799 95.869
202506 86.966 322.561 90.037
202509 86.305 324.800 88.737
202512 87.664 324.054 90.342
202603 88.355 330.213 89.355
202606 91.710 333.952 91.710

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 CHF86.88 mean?
Citigroup (XSWX:C) has a Cyclically Adjusted Book per Share of CHF86.88 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 CHF86.88. 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 CHF86.88 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 CHF86.88. 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 (XSWX:C) has a current Cyclically Adjusted Book per Share of CHF86.88. The stock's GF Value™ is CHF72.92, compared to a current price of CHF111.50 — trading 52.9% above its estimated fair value. The current Cyclically Adjusted Book per Share is CHF86.88. 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 (XSWX:C), the current Cyclically Adjusted Book per Share is CHF86.88 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 (XSWX:C) Overvalued in 2026?

Based on GuruFocus' analysis, Citigroup stock appears to be overvalued. The current stock price of CHF111.50 is trading 52.9% above its estimated GF Value™ of CHF72.92.

Key valuation signals for XSWX:C:

  • Cyclically Adjusted Book per Share: CHF86.88
  • GF Value™: CHF72.92 vs. price of CHF111.50 (52.9% above fair value)
  • GF Score™: 74/100 with 6 warning signs

No single metric tells the full story. See the XSWX: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 XSWX:C

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

CHF111.50
Price
CHF72.92
GF Value