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 ·
Decision snapshot: C stock price vs TFC: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at TFC's multiple
Needs TFC P/E.
Implied fair value · at C's multiple
Price unavailable
Metric by metric
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Lower is better
Lower is better
Profitability lag
Asset efficiency lag
Lower is better
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 / book
Market cap
—
Tangible equity (USD)
—
Price / tangible book
—
Price / book
—
Net income / ending equity
8.1%
Net income / ending assets
1.0%
Efficiency ratio
—
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.
TRUIST FINANCIAL CORPORATION · implied price per share
Five annual free-cash-flow observations are required for the filing-backed baseline.
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.
JPMorgan Chase & Co.
C vs JPM
Bank of America Corporation
C vs BAC
Wells Fargo & Company
C vs WFC
The Goldman Sachs Group, Inc.
C vs GS
Morgan Stanley
C vs MS
CAPITAL ONE FINANCIAL CORP
C vs COF
PNC FINANCIAL SERVICES GROUP, INC.
C vs PNC
US BANCORP \DE\
C vs USB
FIFTH THIRD BANCORP
C vs FITB
KEYCORP /NEW/
C vs KEY
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 sustain its higher growth and justify a materially higher earnings multiple than TFC, then hold or add cautiously; otherwise, the data favor trimming or avoiding C because the P/E-based implied price is 28.1% below the current price and quality scores are weak.
The valuation framework implies C should trade well below its current price, with an implied price of $97.27 versus $135.32 today, or -28.1% downside. Relative to TFC, C’s P/E is higher at 19.4x versus 13.9x, while P/S is only modestly richer at 2.8x versus 2.6x, suggesting the market is paying up more on earnings than on sales.
Supporting Metrics