Citigroup (XTER:TRVC) Shiller PE Ratio: (As of Sep. 21, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

XTER:TRVC Citigroup Inc XTER:TRVC
74 GF Score
Price €115.40
GF Value €80.73
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Citigroup Shiller PE Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Citigroup  (XTER:TRVC) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


Citigroup Shiller PE Ratio Related Terms


Citigroup Shiller PE Ratio Historical Data

* Premium members only.

The historical data trend for Citigroup's Shiller PE Ratio 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 Shiller PE Ratio Chart

Citigroup Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Shiller PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.49 8.46 9.12 12.10 17.75

Citigroup Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Shiller PE Ratio 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 12.66 14.81 17.59 16.12 20.01

XTER:TRVC vs WFC, BNY, BAC: Shiller PE Ratio Comparison

For the Banks - Diversified subindustry, Citigroup's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Citigroup's Shiller PE Ratio falls into.


XTER:TRVC
74GF Score
Citigroup Inc XTER:TRVC
Shiller PE Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citigroup Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Citigroup's E10 for the quarter that ended in Jun. 2026 is calculated as:

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

Adj_EPS=Earnings per Share (Diluted)/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=2.7086/333.9520*333.9520
=2.709

Current CPI (Jun. 2026) = 333.9520.

Citigroup Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201609 1.108 241.428 1.533
201612 1.056 241.432 1.460
201703 1.267 243.801 1.735
201706 1.162 244.955 1.585
201709 1.209 246.819 1.636
201712 -6.222 246.524 -8.429
201803 1.364 249.554 1.826
201806 1.367 251.989 1.811
201809 1.490 252.439 1.971
201812 1.441 251.233 1.916
201903 1.650 254.202 2.168
201906 1.731 256.143 2.257
201909 1.862 256.759 2.422
201912 1.938 256.974 2.518
202003 0.958 258.115 1.240
202006 0.345 257.797 0.447
202009 1.165 260.280 1.495
202012 1.738 260.474 2.228
202103 3.006 264.877 3.790
202106 2.365 271.696 2.907
202109 1.825 274.310 2.222
202112 1.282 278.802 1.535
202203 1.798 287.504 2.088
202206 2.053 296.311 2.314
202209 1.617 296.808 1.820
202212 1.135 296.797 1.277
202303 2.043 301.836 2.261
202306 1.218 305.109 1.333
202309 1.496 307.789 1.623
202312 -1.063 306.746 -1.157
202403 1.452 312.332 1.552
202406 1.414 314.175 1.503
202409 1.372 315.301 1.453
202412 1.254 315.605 1.327
202503 1.865 319.799 1.948
202506 1.725 322.561 1.786
202509 1.589 324.800 1.633
202512 1.026 324.054 1.057
202603 2.619 330.213 2.649
202606 2.709 333.952 2.709

Add all the adjusted EPS together and divide 10 will get our E10.

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.

Is Citigroup (XTER:TRVC) Overvalued in 2026?

Based on GuruFocus' analysis, Citigroup stock appears to be overvalued. The current stock price of €115.40 is trading 42.9% above its estimated GF Value™ of €80.73. GuruFocus considers Citigroup to be Significantly Overvalued.

Key valuation signals for XTER:TRVC:

  • Shiller PE Ratio:
  • GF Value™: €80.73 vs. price of €115.40 (42.9% above fair value)
  • GF Score™: 74/100 with 6 warning signs

No single metric tells the full story. See the XTER:TRVC 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 XTER:TRVC

Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€115.40
Price
€80.73
GF Value