Is Citigroup, Inc. overvalued or undervalued?

As of 17 October 2025, the valuation grade for Citigroup, Inc. moved from fair to attractive, indicating a more favorable outlook. The company appears to be undervalued based on its current metrics, with a P/E ratio of 17, a Price to Book Value of 1.10, and a PEG Ratio of 0.32. In comparison to peers, Citigroup's P/E ratio is lower than JPMorgan Chase & Co. at 20.10 and Bank of America Corp. at 12.90, suggesting it is relatively more appealing in terms of valuation.
Additionally, Citigroup has demonstrated strong performance relative to the S&P 500, with a year-to-date return of 37.90% compared to the index's 13.30%, and a one-year return of 51.74% versus 14.08% for the S&P 500. This performance reinforces the notion that Citigroup is currently undervalued in the market.