Citigroup (XSWX:C) Cyclically Adjusted FCF per Share: CHF-4.93 (As of Mar. 2026)


XSWX:C Citigroup Inc XSWX:C
74 GF Score
Price CHF114.32
GF Value CHF65.37
! 8 Warning Signs
View Full Analysis

What is Citigroup Cyclically Adjusted FCF per Share?

Citigroup XSWX:C 74 Cyclically Adjusted FCF per Share is CHF-4.93 as of Mar. 2026. GuruFocus rates XSWX:C with a GF Score™ of 74/100 and a GF Value™ of CHF65.37. The stock has 8 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Citigroup's adjusted free cash flow per share for the three months ended in Mar. 2026 was CHF-10.324. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is CHF-4.93 for the trailing ten years ended in Mar. 2026.

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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Citigroup was 46.90% per year. The lowest was -59.60% per year. And the median was 2.05% per year.

As of today (2026-07-02), Citigroup's current stock price is CHF114.32. Citigroup's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was CHF-4.93. Citigroup's Cyclically Adjusted Price-to-FCF of today is .

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Citigroup was 162.71. The lowest was 2.29. And the median was 7.69.


Citigroup  (XSWX:C) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Citigroup was 162.71. The lowest was 2.29. And the median was 7.69.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Citigroup Cyclically Adjusted FCF per Share Related Terms


Citigroup Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Citigroup's Cyclically Adjusted FCF 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 FCF per Share Chart

Citigroup Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.91 15.06 0.00 0.00 0.00

Citigroup Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF 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 0.00 -4.93

XSWX:C vs WFC, BNY, BAC: Cyclically Adjusted FCF per Share Comparison

For the Banks - Diversified subindustry, Citigroup's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Citigroup's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Citigroup's Cyclically Adjusted Price-to-FCF falls into.


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

Citigroup Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-10.324/330.2130*330.2130
=-10.324

Current CPI (Mar. 2026) = 330.2130.

Citigroup Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 6.959 241.018 9.534
201609 2.214 241.428 3.028
201612 8.960 241.432 12.255
201703 -1.390 243.801 -1.883
201706 -6.864 244.955 -9.253
201709 6.204 246.819 8.300
201712 -2.338 246.524 -3.132
201803 2.214 249.554 2.930
201806 0.251 251.989 0.329
201809 8.099 252.439 10.594
201812 2.392 251.233 3.144
201903 -16.288 254.202 -21.158
201906 -1.282 256.143 -1.653
201909 0.614 256.759 0.790
201912 9.771 256.974 12.556
202003 -11.797 258.115 -15.092
202006 2.495 257.797 3.196
202009 -1.760 260.280 -2.233
202012 -1.009 260.474 -1.279
202103 9.920 264.877 12.367
202106 -0.252 271.696 -0.306
202109 15.750 274.310 18.960
202112 -6.167 278.802 -7.304
202203 -4.897 287.504 -5.624
202206 11.027 296.311 12.289
202209 -1.588 296.808 -1.767
202212 5.167 296.797 5.749
202303 -15.135 301.836 -16.558
202306 -25.408 305.109 -27.499
202309 6.500 307.789 6.974
202312 -2.869 306.746 -3.088
202403 -5.688 312.332 -6.014
202406 -8.546 314.175 -8.982
202409 -7.962 315.301 -8.339
202412 10.667 315.605 11.161
202503 -27.722 319.799 -28.625
202506 -16.467 322.561 -16.858
202509 -0.221 324.800 -0.225
202512 10.931 324.054 11.139
202603 -10.324 330.213 -10.324

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of CHF-4.93 mean?
Citigroup (XSWX:C) has a Cyclically Adjusted FCF per Share of CHF-4.93 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Citigroup and its competitors.
Is Citigroup's Cyclically Adjusted FCF per Share too high?
Citigroup's current Cyclically Adjusted FCF per Share is CHF-4.93. 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 FCF per Share compare to WFC and BNY?
Citigroup's Cyclically Adjusted FCF per Share of CHF-4.93 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 FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Citigroup and its competitors. Citigroup's current Cyclically Adjusted FCF per Share is CHF-4.93. 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 FCF per Share of CHF-4.93. The stock's GF Value™ is CHF65.37, compared to a current price of CHF114.32 — trading 74.9% above its estimated fair value. The current Cyclically Adjusted FCF per Share is CHF-4.93. Citigroup's overall GF Score™ is 74/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Citigroup (XSWX:C), the current Cyclically Adjusted FCF per Share is CHF-4.93 as of Mar. 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 CHF114.32 is trading 74.9% above its estimated GF Value™ of CHF65.37.

Key valuation signals for XSWX:C:

  • Cyclically Adjusted FCF per Share: CHF-4.93
  • GF Value™: CHF65.37 vs. price of CHF114.32 (74.9% above fair value)
  • GF Score™: 74/100 with 8 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 FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CHF114.32
Price
CHF65.37
GF Value