C Citigroup Inc.

Financial Services

Price

$136.06

Intrinsic value

$96.97

Buy price

$77.57

Discount

-40.3%

Overvalued

DCF walkthrough

This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.

Discount rate9.00%

Margin of safety20.00%

Operating CF: $-18,297,000,000.00
Total debt: $881,620,025,344.00
Cash & STI: $1,095,719,976,960.00
Shares out.: 1,735,600,000

Overvalued

Intrinsic value$97.22

Buy price (with MOS)$77.78

Current price$136.06

Discount to intrinsic value-39.9%

7-step quality scorecard

ROE quality

LOW

Average ROE: 6.2%
Current ROE: 6.7%
Minimum ROE: 4.5%

Debt quality

LEVERAGED

Debt / Equity: 4.15x

Moat proxy

WEAK_PROXY

Cash-flow reliability

NOT_APPLICABLE

Operating CF / Net income: -1.11x

Technical chart

Confluence: WEAK (1/3)

Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.

Assumptions & data quality

Data source: yfinance
Growth (g1) source: revenueCAGR
Valuation model: EXCESS_RETURN
Debt as % of DCF PV: —
Public economic interest: 99.3%

These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.