Is Citigroup, Inc. overvalued or undervalued?

As of 29 August 2025, the valuation grade for Citigroup, Inc. has moved from fair to attractive, indicating a more favorable assessment of its market position. The company appears undervalued, particularly when considering its P/E ratio of 17, a PEG ratio of 0.32, and a price-to-book value of 1.10, which suggest that it is trading below its intrinsic value relative to earnings growth and asset valuation.
In comparison to its peers, Citigroup's P/E ratio is lower than that of JPMorgan Chase & Co. at 20.10 and slightly higher than Bank of America Corp. at 12.90, while its PEG ratio is significantly more favorable than both JPMorgan's and Capital One Financial Corp.'s. Additionally, Citigroup has outperformed the S&P 500 in multiple time frames, with a year-to-date return of 45.49% compared to the S&P 500's 12.22%, reinforcing the notion that the stock is undervalued relative to its growth potential.