Citigroup Inc
1.28xPrice / tangible book
Market cap
$241.06B
Tangible equity (USD)
$188.91B
Price / tangible book
1.28x
Price / book
1.14x
Net income / ending equity
6.7%
Net income / ending assets
0.5%
Efficiency ratio
64.7%
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 · Mkt cap
Decision snapshot: C stock price near parity vs BAC $137.80 current versus $114.98 implied using P/E multiple.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at BAC's multiple
Implied fair value · at C's multiple
Snapshot Sep 9, 2026, 4:00 PM ET
Metric by metric
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Multiple discount
Multiple discount
Profitability lag
Asset efficiency lag
Less efficient
Statements
Reported bank earnings and balances, with each company’s reporting period shown.
Values retain reported currencies and share bases. Select a figure to inspect its period, calculation and filing inputs. Differences require compatible units and periods.
Explore enterprise value and market valuation multiples in the valuation sections.
Trendline
Eight period-end years of reported revenue, earnings, and margins. Periods and currencies are shown with the data.
Price framework
Tangible book and profitability anchor a bank, not enterprise value.
Deposits and cash-like balances distort enterprise value for banks, so this section reads equity value, tangible book and profitability instead.
Price / tangible book
Market cap
$241.06B
Tangible equity (USD)
$188.91B
Price / tangible book
1.28x
Price / book
1.14x
Net income / ending equity
6.7%
Net income / ending assets
0.5%
Efficiency ratio
64.7%
Price / tangible book
Market cap
$438.24B
Tangible equity (USD)
$232.42B
Price / tangible book
1.89x
Price / book
1.45x
Net income / ending equity
10.1%
Net income / ending assets
0.9%
Efficiency ratio
61.7%
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
Citigroup Inc · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
BofA Finance LLC · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Balance sheet health
Inspect reported liquidity and leverage alongside historical financial-health checks.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Cash excludes investments. EBITDA is an operating-income-plus-D&A proxy. Missing borrowing categories remain unavailable; select a value to inspect its inputs.
Comparable set
Where the pair sits against the wider banking comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
LLM-powered synthesis
An explanation of the financial evidence. Check its snapshot date against the figures above.
This explanation uses an earlier data snapshot or evidence version. Review its generation date and the current figures, or refresh after signing in.
If you believe C can materially accelerate revenue growth and improve profitability toward BAC's levels, then C may be worth holding despite the modeled downside because the current valuation still sits within its historical band; otherwise, the weaker 5.0% growth, 16.8% net margin, and 3/9 F-Score argue for caution.
C's implied price of $114.63 is 14.2% below the current price of $133.57, signaling downside on a P/E basis. The stock also trades below the low end of the DCF range and near the upper half of the historical band, but BAC comparison is mixed because C has a higher P/E than BAC while a lower P/S multiple.
Supporting Metrics