What was Citigroup's stock return over three years?

Citigroup's stock returned 212.7% over the past three years.

Is Citigroup stock a good investment now?

The analysis is mixed: the Excess Returns model suggests undervaluation, but earnings multiples are near fair value. A comprehensive evaluation is recommended.

Is Citigroup (C) Stock Trading Below Fair Value?

According to Simply Wall St., Citigroup (C) stock could be trading below its fair value even after tripling over the past three years. The Excess Returns model indicates a wide margin of safety, though earnings-based multiples suggest a more mixed valuation picture.

July 15, 2026

2 min read

Source: Simply Wall St.

Key Numbers

three year return

212.7%

According to an analysis by Simply Wall St., Citigroup (C) stock may be trading below its fair value today, despite having more than tripled over the past three years.

Fair Value Estimate

Analysts used the Excess Returns Model to estimate the stock's intrinsic value, which still sits above the current share price by a wide margin. However, earnings-based multiples look closer to fair, resulting in mixed valuation signals.

Stock Performance

Citigroup has returned 212.7% over the past three years, raising the question of whether today's price already reflects the company's turnaround and recent optimism in the banking sector.

Analyst Rationale

The Excess Returns Model focuses on the company's ability to generate returns above its cost of equity. As Citigroup continues its multi-year restructuring plan, improving profitability could support further upside.

What to Conclude

While some metrics suggest the stock is undervalued, the overall picture is mixed. Investors are advised to consider both discounted cash flow and excess returns models for a comprehensive view.

Frequently Asked Questions

The Excess Returns Model estimates a stock's intrinsic value based on a company's ability to generate returns above its cost of equity. It suggests Citigroup may be undervalued.

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This article was rewritten in Wrqti's editorial style based on information from the original source above. Content is informational only — not investment advice.