Is Citigroup, Inc. overvalued or undervalued?

As of 17 October 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, especially when considering its P/E ratio of 17, a PEG ratio of 0.32, and a price-to-book value of 1.10. 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 may be a more attractive investment relative to its valuation.
Citigroup has demonstrated strong performance with a year-to-date return of 37.90%, significantly outpacing the S&P 500's 13.30% during the same period. This performance, combined with its attractive valuation metrics, reinforces the view that Citigroup is currently undervalued in the market.