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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-15), Citigroup's Intrinsic Value: Projected FCF is CHF-58.44. The stock price of Citigroup is CHF112.60. Therefore, Citigroup's Price-to-Intrinsic-Value-Projected-FCF of today is 0.0.
The historical rank and industry rank for Citigroup's Intrinsic Value: Projected FCF or its related term are showing as below:
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Citigroup was 4.86. The lowest was 0.27. And the median was 0.42.
XSWX:C's Price-to-Projected-FCF is not ranked *
in the Banks industry.
Industry Median: 0.59 * Ranked among companies with meaningful Price-to-Projected-FCF only.
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Citigroup's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
112.60
/
-45.464979624832
=
* 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 Intrinsic Value: Projected FCF Related Terms
Citigroup Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Citigroup's Intrinsic Value: Projected FCF 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.
XSWX:C vs WFC, BNY, BAC: Intrinsic Value: Projected FCF Comparison
For the Banks - Diversified subindustry, Citigroup's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Citigroup's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Citigroup's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of CHF-58.44 mean?
Citigroup (XSWX:C) has a Intrinsic Value: Projected FCF of CHF-58.44 as of Aug. 15, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Citigroup and its competitors. Over the past decade, Citigroup's Intrinsic Value: Projected FCF has ranged from 0.27 to 4.86. According to the industry distribution chart, Citigroup ranks #999999 out of 1295 companies in the Banks industry.
Is Citigroup's Intrinsic Value: Projected FCF too high?
Citigroup's current Intrinsic Value: Projected FCF is CHF-58.44. Over the past 10 years, this metric has ranged from a low of 0.27 to a high of 4.86. Based on the distribution chart, Citigroup ranks #999999 out of 1295 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Citigroup has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does Citigroup's Intrinsic Value: Projected FCF compare to WFC and BNY?
According to the Banks industry distribution chart, Citigroup ranks #999999 out of 1295 companies for Intrinsic Value: Projected FCF. This places Citigroup in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.59. Historically, Citigroup's own Intrinsic Value: Projected FCF has ranged from 0.27 to 4.86 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,295 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Citigroup and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citigroup's current Intrinsic Value: Projected FCF is CHF-58.44. 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 Intrinsic Value: Projected FCF of CHF-58.44. The stock's GF Value™ is CHF72.61, compared to a current price of CHF112.60 — trading 55.1% above its estimated fair value. The current Intrinsic Value: Projected FCF is CHF-58.44. Citigroup's overall GF Score™ is 71/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Citigroup (XSWX:C), the current Intrinsic Value: Projected FCF is CHF-58.44 as of Aug. 15, 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 CHF112.60 is trading 55.1% above its estimated GF Value™ of CHF72.61.
Key valuation signals for XSWX:C:
Intrinsic Value: Projected FCF: CHF-58.44
GF Value™: CHF72.61 vs. price of CHF112.60 (55.1% above fair value)
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 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.
71GF Score
Get the complete analysis for XSWX:C
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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