Citigroup Inc. (C) P/E Ratio History
ExpensiveTrading at 20.5x vs 5Y avg 10.4x · 100th percentile · Material premium to history · Data 1990–2025
Loading P/E history...
P/E Ratio Analysis
As of June 22, 2026, Citigroup Inc. (C) trades at a price-to-earnings ratio of 20.5x, with a stock price of $143.09 and trailing twelve-month earnings per share of $7.66.
The current P/E is 97% above its 5-year average of 10.4x. Over the past five years, C's P/E has ranged from a low of 5.7x to a high of 18.6x, placing the current valuation at the 100th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.6x, C trades at a 51% premium to its sector peers. The sector includes 783 companies with P/E ratios ranging from 0.0x to 196.5x.
The PEG ratio of 2.52 (P/E divided by 17% EPS growth) suggests the stock may be expensive relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, C trades roughly in line with the S&P 500 median P/E of 24.4x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our C DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
C Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
C P/E vs Peers
North American universal banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $909B | 16.2 | 0.92 | +2% | |
| $424B | 14.7 | 0.96 | +19% | |
| $265B | 13.0 | 0.18Best | +18% | |
| $348B | 21.4 | 1.36 | +27% | |
| $356B | 21.9 | 2.29 | +28%Best | |
| $90B | 12.6Lowest | 1.48 | +22% | |
| $100B | 19.2 | 1.36 | +28% | |
| $49B | 17.9 | 2.17 | +14% | |
| $91B | 14.0 | 0.66 | +21% | |
| $62B | 12.7 | 2.88 | +14% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
C Historical P/E Data (1990–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Dec 31 2025 | $116.69 | $6.97 | 16.7x | +32% |
| FY2025 Q3 | - | $101.50 | $7.12 | 14.3x | +13% |
| FY2025 Q2 | Jun 30 2025 | $85.12 | $6.77 | 12.6x | -1% |
| FY2025 Q1 | Mar 31 2025 | $70.99 | $6.33 | 11.2x | -11% |
| FY2024 Q4 | - | $70.39 | $5.95 | 11.8x | -7% |
| FY2024 Q3 | Sep 30 2024 | $62.60 | $3.47 | 18.0x | +43% |
| FY2024 Q2 | Jun 30 2024 | $63.46 | $3.59 | 17.7x | +40% |
| FY2024 Q1 | Mar 31 2024 | $63.24 | $3.40 | 18.6x | +47% |
| FY2023 Q4 | Dec 31 2023 | $51.44 | $4.01 | 12.8x | +1% |
| FY2023 Q3 | Sep 30 2023 | $41.13 | $6.31 | 6.5x | -48% |
| FY2023 Q2 | Jun 30 2023 | $46.04 | $6.31 | 7.3x | -42% |
| FY2023 Q1 | Mar 31 2023 | $46.89 | $7.17 | 6.5x | -48% |
| FY2022 Q4 | Dec 31 2022 | $45.23 | $7.00 | 6.5x | -49% |
| FY2022 Q3 | Sep 30 2022 | $41.67 | $7.30 | 5.7x | -55% |
| FY2022 Q2 | - | $45.99 | $7.82 | 5.9x | -54% |
| FY2022 Q1 | - | $53.40 | $8.47 | 6.3x | -50% |
| FY2021 Q4 | Dec 31 2021 | $60.39 | $10.07 | 6.0x | -53% |
| FY2021 Q3 | - | $70.18 | $10.69 | 6.6x | -48% |
| FY2021 Q2 | Jun 30 2021 | $70.75 | $9.90 | 7.1x | -44% |
| FY2021 Q1 | Mar 31 2021 | $72.75 | $7.44 | 9.8x | -23% |
| FY2020 Q4 | - | $61.66 | $4.88 | 12.6x | -0% |
| FY2020 Q3 | Sep 30 2020 | $43.11 | $4.94 | 8.7x | -31% |
| FY2020 Q2 | - | $51.10 | $5.66 | 9.0x | -29% |
| FY2020 Q1 | - | $42.12 | $7.23 | 5.8x | -54% |
| FY2019 Q4 | - | $79.89 | $8.04 | 9.9x | -21% |
| FY2019 Q3 | Sep 30 2019 | $69.08 | $7.54 | 9.2x | -28% |
| FY2019 Q2 | Jun 30 2019 | $70.03 | $7.19 | 9.7x | -23% |
| FY2019 Q1 | Mar 31 2019 | $62.22 | $6.87 | 9.1x | -28% |
| FY2018 Q4 | Dec 31 2018 | $52.06 | $6.68 | 7.8x | -38% |
| FY2017 Q3 | Sep 30 2017 | $72.74 | $5.19 | 14.0x | +11% |
| FY2017 Q2 | Jun 30 2017 | $66.88 | $5.01 | 13.3x | +5% |
| FY2017 Q1 | Mar 31 2017 | $59.82 | $4.97 | 12.0x | -5% |
| FY2016 Q4 | Dec 31 2016 | $59.43 | $4.72 | 12.6x | -1% |
| FY2016 Q3 | Sep 30 2016 | $47.23 | $4.60 | 10.3x | -19% |
| FY2016 Q2 | - | $42.39 | $4.72 | 9.0x | -29% |
| FY2016 Q1 | - | $41.75 | $4.99 | 8.4x | -34% |
| FY2015 Q4 | - | $51.75 | $5.40 | 9.6x | -24% |
| FY2015 Q3 | Sep 30 2015 | $49.61 | $4.44 | 11.2x | -12% |
| FY2015 Q2 | - | $55.24 | $3.96 | 13.9x | +10% |
| FY2015 Q1 | - | $51.52 | $2.48 | 20.8x | +64% |
| FY2014 Q4 | Dec 31 2014 | $54.11 | $2.20 | 24.6x | +94% |
| FY2014 Q3 | - | $51.82 | $2.90 | 17.9x | +41% |
| FY2014 Q2 | Jun 30 2014 | $47.10 | $3.02 | 15.6x | +23% |
| FY2014 Q1 | Mar 31 2014 | $47.60 | $4.33 | 11.0x | -13% |
| FY2013 Q4 | - | $52.11 | $4.33 | 12.0x | -5% |
| FY2013 Q3 | Sep 30 2013 | $48.51 | $3.98 | 12.2x | -4% |
| FY2013 Q2 | Jun 30 2013 | $47.97 | $3.14 | 15.3x | +21% |
| FY2013 Q1 | Mar 31 2013 | $44.24 | $2.75 | 16.1x | +27% |
| FY2012 Q4 | Dec 31 2012 | $39.56 | $2.47 | 16.0x | +27% |
| FY2012 Q3 | Sep 30 2012 | $32.72 | $2.38 | 13.7x | +9% |
| FY2012 Q2 | Jun 30 2012 | $27.41 | $3.45 | 7.9x | -37% |
| FY2012 Q1 | Mar 31 2012 | $36.55 | $3.59 | 10.2x | -20% |
| FY2011 Q4 | Dec 31 2011 | $26.31 | $3.64 | 7.2x | -43% |
| FY2011 Q3 | Sep 30 2011 | $25.62 | $3.72 | 6.9x | -46% |
| FY2011 Q2 | - | $41.64 | $3.22 | 12.9x | +2% |
| FY2011 Q1 | - | $44.20 | $2.95 | 15.0x | +18% |
| FY2010 Q4 | Dec 31 2010 | $47.30 | $3.50 | 13.5x | +7% |
| FY2010 Q1 | Mar 31 2010 | $40.50 | $0.45 | 90.0x | +611% |
| FY2007 Q4 | Dec 31 2007 | $294.40 | $7.57 | 38.9x | +207% |
| FY2007 Q3 | Sep 30 2007 | $466.70 | $37.42 | 12.5x | -1% |
| FY2007 Q2 | Jun 30 2007 | $512.90 | $44.02 | 11.7x | -8% |
| FY2007 Q1 | Mar 31 2007 | $513.40 | $42.12 | 12.2x | -4% |
| FY2006 Q4 | Dec 31 2006 | $557.00 | $43.22 | 12.9x | +2% |
| FY2006 Q3 | Sep 30 2006 | $496.70 | $46.79 | 10.6x | -16% |
| FY2006 Q2 | Jun 30 2006 | $482.50 | $49.59 | 9.7x | -23% |
| FY2006 Q1 | Mar 31 2006 | $472.30 | $48.79 | 9.7x | -24% |
| FY2005 Q4 | Dec 31 2005 | $485.30 | $47.99 | 10.1x | -20% |
| FY2005 Q3 | Sep 30 2005 | $455.20 | $44.27 | 10.3x | -19% |
| FY2005 Q2 | - | $462.30 | $40.67 | 11.4x | -10% |
| FY2005 Q1 | - | $449.40 | $33.17 | 13.5x | +7% |
| FY2004 Q4 | Dec 31 2004 | $481.80 | $32.87 | 14.7x | +16% |
| FY2004 Q3 | - | $441.20 | $31.84 | 13.9x | +9% |
| FY2004 Q2 | Jun 30 2004 | $465.00 | $30.64 | 15.2x | +20% |
| FY2004 Q1 | Mar 31 2004 | $517.00 | $36.74 | 14.1x | +11% |
| FY2003 Q4 | Dec 31 2003 | $485.40 | $34.54 | 14.1x | +11% |
| FY2003 Q3 | - | $455.10 | $29.90 | 15.2x | +20% |
| FY2003 Q2 | Jun 30 2003 | $428.00 | $28.50 | 15.0x | +19% |
| FY2003 Q1 | Mar 31 2003 | $344.50 | $28.00 | 12.3x | -3% |
| FY2002 Q4 | - | $351.90 | $29.40 | 12.0x | -5% |
| FY2002 Q3 | Sep 30 2002 | $296.50 | $32.28 | 9.2x | -27% |
| FY2002 Q2 | Jun 30 2002 | $371.91 | $30.78 | 12.1x | -5% |
| FY2002 Q1 | Mar 31 2002 | $475.28 | $29.88 | 15.9x | +26% |
| FY2001 Q4 | Dec 31 2001 | $484.49 | $27.48 | 17.6x | +39% |
| FY2001 Q3 | Sep 30 2001 | $388.70 | $27.60 | 14.1x | +11% |
| FY2001 Q2 | Jun 30 2001 | $507.14 | $28.20 | 18.0x | +42% |
| FY2001 Q1 | Mar 31 2001 | $431.70 | $27.80 | 15.5x | +23% |
| FY2000 Q4 | Dec 31 2000 | $490.08 | $28.40 | 17.3x | +36% |
| FY2000 Q3 | Sep 30 2000 | $518.87 | $26.60 | 19.5x | +54% |
| FY2000 Q2 | Jun 30 2000 | $433.69 | $25.20 | 17.2x | +36% |
| FY2000 Q1 | Mar 31 2000 | $430.99 | $24.00 | 18.0x | +42% |
| FY1999 Q4 | Dec 31 1999 | $400.85 | $21.60 | 18.6x | +47% |
| FY1999 Q3 | - | $316.72 | $23.28 | 13.6x | +8% |
| FY1999 Q2 | Jun 30 1999 | $341.92 | $19.48 | 17.6x | +39% |
| FY1999 Q1 | Mar 31 1999 | $306.53 | $18.88 | 16.2x | +28% |
| FY1998 Q4 | - | $238.44 | $18.28 | 13.0x | +3% |
| FY1998 Q3 | Sep 30 1998 | $179.96 | $15.07 | 11.9x | -6% |
| FY1998 Q2 | - | $290.93 | $17.87 | 16.3x | +29% |
| FY1998 Q1 | - | $287.93 | $16.87 | 17.1x | +35% |
| FY1997 Q4 | Dec 31 1997 | $258.54 | $15.77 | 16.4x | +30% |
| FY1997 Q3 | - | $218.55 | $15.02 | 14.6x | +15% |
| FY1997 Q2 | Jun 30 1997 | $201.75 | $13.62 | 14.8x | +17% |
| FY1997 Q1 | Mar 31 1997 | $153.56 | $13.52 | 11.4x | -10% |
| FY1996 Q4 | - | $145.17 | $13.32 | 10.9x | -14% |
| FY1996 Q3 | Sep 30 1996 | $117.87 | $13.89 | 8.5x | -33% |
| FY1996 Q2 | Jun 30 1996 | $109.47 | $13.49 | 8.1x | -36% |
| FY1996 Q1 | Mar 31 1996 | $105.58 | $11.99 | 8.8x | -30% |
| FY1995 Q4 | Dec 31 1995 | $100.18 | $10.49 | 9.6x | -25% |
| FY1995 Q3 | Sep 30 1995 | $84.98 | $8.09 | 10.5x | -17% |
| FY1995 Q2 | Jun 30 1995 | $69.98 | $7.29 | 9.6x | -24% |
| FY1995 Q1 | Mar 31 1995 | $61.79 | $6.79 | 9.1x | -28% |
| FY1994 Q4 | Dec 31 1994 | $51.79 | $6.79 | 7.6x | -40% |
| FY1994 Q3 | Sep 30 1994 | $52.59 | $6.89 | 7.6x | -40% |
| FY1994 Q2 | - | $51.59 | $6.89 | 7.5x | -41% |
| FY1994 Q1 | - | $56.39 | $6.59 | 8.6x | -32% |
| FY1993 Q4 | Dec 31 1993 | $62.19 | $6.09 | 10.2x | -19% |
| FY1993 Q3 | - | $76.38 | $5.72 | 13.4x | +6% |
| FY1993 Q2 | Jun 30 1993 | $63.14 | $5.32 | 11.9x | -6% |
| FY1993 Q1 | Mar 31 1993 | $55.34 | $5.12 | 10.8x | -15% |
| FY1992 Q4 | - | $38.69 | $5.62 | 6.9x | -46% |
| FY1992 Q3 | Sep 30 1992 | $34.99 | $5.17 | 6.8x | -47% |
| FY1992 Q2 | - | $30.69 | $4.87 | 6.3x | -50% |
| FY1992 Q1 | - | $32.19 | $4.57 | 7.0x | -44% |
| FY1991 Q4 | - | $31.49 | $3.67 | 8.6x | -32% |
| FY1991 Q3 | Sep 30 1991 | $28.39 | $3.34 | 8.5x | -33% |
| FY1991 Q2 | Jun 30 1991 | $22.20 | $3.04 | 7.3x | -42% |
| FY1991 Q1 | Mar 31 1991 | $24.39 | $2.94 | 8.3x | -34% |
| FY1990 Q4 | Dec 31 1990 | $18.30 | $2.84 | 6.4x | -49% |
Average P/E for displayed period: 12.7x
Full Stock Analysis
Deep dive into C consensus models and risk factors.
Should I Buy C?
Wall Street verdict, signals, and target summaries.
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
36+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
C — Frequently Asked Questions
Quick answers to the most common questions about buying C stock.
What is C's P/E ratio?
Citigroup Inc. (C) trailing twelve-month P/E ratio is 20.5x, based on TTM diluted EPS of $7.66. The 5-year average P/E is 10.4x and the historical range spans 5.7x to 18.6x.
Is C stock overvalued or undervalued?
C trades at 20.5x P/E, above its 5-year average of 10.4x. The 100th percentile ranking within the 5.7x–18.6x historical range indicates a premium to historical valuation.
Is C stock expensive?
Yes, C is expensive relative to its own history. The current P/E of 20.5x is above the 5-year average of 10.4x and also above the Financial Services sector median of 13.6x. The stock sits at the 100th percentile of its 5-year valuation range.
What is C's historical P/E range?
Over the past 5 years, C's P/E ratio has ranged from 5.7x to 18.6x, with a median of 9.8x and an average of 10.4x. The current P/E of 20.5x places the stock at the 100th percentile of this range. Full historical data spans 1990–2025.
How does C's P/E compare to the S&P 500?
C trades at 20.5x P/E versus the S&P 500 median of 24.4x. The 16% discount to the market suggests lower growth expectations or perceived higher risk.
How does C's valuation compare to Financial Services peers?
Citigroup Inc. P/E of 20.5x compares to the Financial Services sector median of 13.6x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is C's PEG ratio?
C PEG ratio is 2.52, based on a P/E of 20.5x and EPS growth of 17.5%. A PEG above 2.0 indicates a premium valuation relative to earnings growth — typically considered expensive.
What is C's earnings yield?
C earnings yield is 4.88%, the inverse of its 20.5x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.