Is Citigroup, Inc. overvalued or undervalued?

As of 3 October 2025, the valuation grade for Citigroup, Inc. has moved from fair to attractive, indicating a more favorable assessment of its stock. The company appears undervalued, particularly when considering its P/E ratio of 17, which is lower than the peer average of 19.76 for similar firms like JPMorgan Chase & Co. and Bank of America Corp. Additionally, Citigroup's PEG ratio of 0.32 suggests strong growth potential relative to its price, while its Price to Book Value stands at 1.10, indicating a reasonable valuation compared to its assets.
In terms of peer comparison, Citigroup's valuation metrics are competitive, with its P/E ratio lower than JPMorgan Chase & Co.'s 20.10 and Bank of America Corp.'s 12.90. The company has also demonstrated strong performance with a year-to-date return of 38.85%, significantly outperforming the S&P 500's 14.18% during the same period. This performance, along with its attractive valuation ratios, reinforces the conclusion that Citigroup is currently undervalued.