Is Citigroup, Inc. overvalued or undervalued?

As of 10 October 2025, the valuation grade for Citigroup, Inc. has moved from fair to attractive, indicating a positive shift in its perceived value. The company appears to be undervalued, especially when considering its P/E ratio of 17, which is lower than the peer average of 19.76 for Citigroup and higher for JPMorgan Chase & Co. at 20.10. Additionally, Citigroup's PEG ratio of 0.32 suggests strong growth potential relative to its price, while its Price to Book Value of 1.10 indicates it is trading at a reasonable valuation compared to its book value.
In comparison to its peers, Bank of America Corp. has a P/E ratio of 12.90, while Wells Fargo & Co. stands at 17.91, both of which highlight Citigroup's competitive positioning within the regional banks sector. Notably, Citigroup has outperformed the S&P 500 with a year-to-date return of 33.44% compared to the index's 11.41%, reinforcing the attractiveness of its current valuation.