Citigroup Inc.

AI-generated fair value estimate for this company.

Method: Justified price-to-tangible-book (residual income) model: $100.89 tangible book value per share (Q2 2026); 13.0% return on tangible common equity; 10% cost of equity; 3% long-run growth; justified P/TBV = (ROTCE-g)/(CoE-g) = 1.43x.

Reasoning: Citigroup is a global systemically important bank where a standard revenue/FCF DCF is not meaningful; a residual-income / justified price-to-tangible-book framework using its improving ROTCE trajectory (13.0%, +430bps YoY) and a cost of equity reflecting its beta and regulatory capital position is the standard valuation approach for a large bank, and the result is broadly consistent with sell-side price targets.