CITIZENS FINANCIAL GROUP (CFG) Fundamental Analysis & Valuation

NYSE:CFG • US1746101054

56.775 USD
-0.16 (-0.29%)
Last: Mar 13, 2026, 10:39 AM
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This CFG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Taking everything into account, CFG scores 4 out of 10 in our fundamental rating. CFG was compared to 381 industry peers in the Banks industry. CFG has a bad profitability rating. Also its financial health evaluation is rather negative. CFG is not valued too expensively and it also shows a decent growth rate. CFG also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. CFG Profitability Analysis

1.1 Basic Checks

  • CFG had positive earnings in the past year.
  • CFG had a positive operating cash flow in the past year.
  • In the past 5 years CFG has always been profitable.
  • CFG had a positive operating cash flow in each of the past 5 years.
CFG Yearly Net Income VS EBIT VS OCF VS FCFCFG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.75%, CFG is doing worse than 66.40% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 6.41%, CFG is doing worse than 71.65% of the companies in the same industry.
Industry RankSector Rank
ROA 0.75%
ROE 6.41%
ROIC N/A
ROA(3y)0.68%
ROA(5y)0.82%
ROE(3y)6.07%
ROE(5y)7.18%
ROIC(3y)N/A
ROIC(5y)N/A
CFG Yearly ROA, ROE, ROICCFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • Looking at the Profit Margin, with a value of 20.47%, CFG is doing worse than 67.98% of the companies in the same industry.
  • CFG's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for CFG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 20.47%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.74%
PM growth 5Y8.27%
GM growth 3YN/A
GM growth 5YN/A
CFG Yearly Profit, Operating, Gross MarginsCFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. CFG Health Analysis

2.1 Basic Checks

  • CFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CFG has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for CFG has been increased compared to 5 years ago.
  • CFG has a better debt/assets ratio than last year.
CFG Yearly Shares OutstandingCFG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M
CFG Yearly Total Debt VS Total AssetsCFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

2.2 Solvency

  • The Debt to FCF ratio of CFG is 4.55, which is a neutral value as it means it would take CFG, 4.55 years of fcf income to pay off all of its debts.
  • CFG's Debt to FCF ratio of 4.55 is on the low side compared to the rest of the industry. CFG is outperformed by 67.72% of its industry peers.
  • CFG has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
  • CFG has a Debt to Equity ratio of 0.33. This is in the lower half of the industry: CFG underperforms 69.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 4.55
Altman-Z N/A
ROIC/WACCN/A
WACC14.83%
CFG Yearly LT Debt VS Equity VS FCFCFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B 20B 25B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CFG Yearly Current Assets VS Current LiabilitesCFG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CFG Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.72% over the past year.
  • The Earnings Per Share has been growing by 11.66% on average over the past years. This is quite good.
  • CFG shows a small growth in Revenue. In the last year, the Revenue has grown by 5.61%.
  • Measured over the past years, CFG shows a small growth in Revenue. The Revenue has been growing by 3.62% on average per year.
EPS 1Y (TTM)27.72%
EPS 3Y-1.75%
EPS 5Y11.66%
EPS Q2Q%36.14%
Revenue 1Y (TTM)5.61%
Revenue growth 3Y0.93%
Revenue growth 5Y3.62%
Sales Q2Q%8.61%

3.2 Future

  • CFG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.08% yearly.
  • Based on estimates for the next years, CFG will show a small growth in Revenue. The Revenue will grow by 3.68% on average per year.
EPS Next Y33.91%
EPS Next 2Y28.26%
EPS Next 3Y22.81%
EPS Next 5Y4.08%
Revenue Next Year10.25%
Revenue Next 2Y9.18%
Revenue Next 3Y7.09%
Revenue Next 5Y3.68%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
CFG Yearly Revenue VS EstimatesCFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2B 4B 6B 8B 10B
CFG Yearly EPS VS EstimatesCFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6

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5

4. CFG Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.67, the valuation of CFG can be described as correct.
  • Based on the Price/Earnings ratio, CFG is valued a bit more expensive than 74.28% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.71. CFG is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 10.96, the valuation of CFG can be described as very reasonable.
  • CFG's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 23.82. CFG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.67
Fwd PE 10.96
CFG Price Earnings VS Forward Price EarningsCFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • CFG's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.84
EV/EBITDA N/A
CFG Per share dataCFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • CFG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as CFG's earnings are expected to grow with 22.81% in the coming years.
PEG (NY)0.43
PEG (5Y)1.26
EPS Next 2Y28.26%
EPS Next 3Y22.81%

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7

5. CFG Dividend Analysis

5.1 Amount

  • CFG has a Yearly Dividend Yield of 3.09%. Purely for dividend investing, there may be better candidates out there.
  • CFG's Dividend Yield is comparable with the industry average which is at 2.86.
  • CFG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.09%

5.2 History

  • The dividend of CFG has a limited annual growth rate of 2.67%.
  • CFG has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CFG has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)2.67%
Div Incr Years0
Div Non Decr Years10
CFG Yearly Dividends per shareCFG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 52.61% of the earnings are spent on dividend by CFG. This is a bit on the high side, but may be sustainable.
  • CFG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP52.61%
EPS Next 2Y28.26%
EPS Next 3Y22.81%
CFG Yearly Income VS Free CF VS DividendCFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0 0 0 0 0 0 0 0 0 0
CFG Dividend Payout.CFG Dividend Payout, showing the Payout Ratio.CFG Dividend Payout.PayoutRetained Earnings

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CFG Fundamentals: All Metrics, Ratios and Statistics

CITIZENS FINANCIAL GROUP

NYSE:CFG (3/13/2026, 10:39:08 AM)

56.775

-0.16 (-0.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-16
Inst Owners99.84%
Inst Owner Change2.39%
Ins Owners0.66%
Ins Owner Change4.28%
Market Cap24.13B
Revenue(TTM)8.25B
Net Income(TTM)1.69B
Analysts82.31
Price Target73.82 (30.02%)
Short Float %3.47%
Short Ratio2.89
Dividend
Industry RankSector Rank
Dividend Yield 3.09%
Yearly Dividend2.04
Dividend Growth(5Y)2.67%
DP52.61%
Div Incr Years0
Div Non Decr Years10
Ex-Date02-04
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.18%
Min EPS beat(2)1.09%
Max EPS beat(2)1.28%
EPS beat(4)4
Avg EPS beat(4)1.76%
Min EPS beat(4)1.09%
Max EPS beat(4)2.94%
EPS beat(8)4
Avg EPS beat(8)-1.46%
EPS beat(12)4
Avg EPS beat(12)-7.78%
EPS beat(16)5
Avg EPS beat(16)-7.48%
Revenue beat(2)0
Avg Revenue beat(2)-5.08%
Min Revenue beat(2)-9.19%
Max Revenue beat(2)-0.96%
Revenue beat(4)1
Avg Revenue beat(4)-2.7%
Min Revenue beat(4)-9.19%
Max Revenue beat(4)0.49%
Revenue beat(8)2
Avg Revenue beat(8)-1.83%
Revenue beat(12)2
Avg Revenue beat(12)-1.76%
Revenue beat(16)3
Avg Revenue beat(16)-1.45%
PT rev (1m)0.29%
PT rev (3m)17.05%
EPS NQ rev (1m)0.22%
EPS NQ rev (3m)1.9%
EPS NY rev (1m)0.19%
EPS NY rev (3m)2.13%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)1.16%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)1.75%
Valuation
Industry RankSector Rank
PE 14.67
Fwd PE 10.96
P/S 2.93
P/FCF 11.84
P/OCF 10.91
P/B 0.92
P/tB 1.34
EV/EBITDA N/A
EPS(TTM)3.87
EY6.82%
EPS(NY)5.18
Fwd EY9.13%
FCF(TTM)4.79
FCFY8.44%
OCF(TTM)5.2
OCFY9.16%
SpS19.41
BVpS61.93
TBVpS42.39
PEG (NY)0.43
PEG (5Y)1.26
Graham Number73.43
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 6.41%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.47%
GM N/A
FCFM 24.7%
ROA(3y)0.68%
ROA(5y)0.82%
ROE(3y)6.07%
ROE(5y)7.18%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.74%
PM growth 5Y8.27%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 4.55
Debt/EBITDA N/A
Cap/Depr 36.4%
Cap/Sales 2.11%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 120.68%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.83%
ROIC/WACCN/A
Cap/Depr(3y)32.29%
Cap/Depr(5y)27.8%
Cap/Sales(3y)1.92%
Cap/Sales(5y)1.84%
Profit Quality(3y)148.23%
Profit Quality(5y)149.18%
High Growth Momentum
Growth
EPS 1Y (TTM)27.72%
EPS 3Y-1.75%
EPS 5Y11.66%
EPS Q2Q%36.14%
EPS Next Y33.91%
EPS Next 2Y28.26%
EPS Next 3Y22.81%
EPS Next 5Y4.08%
Revenue 1Y (TTM)5.61%
Revenue growth 3Y0.93%
Revenue growth 5Y3.62%
Sales Q2Q%8.61%
Revenue Next Year10.25%
Revenue Next 2Y9.18%
Revenue Next 3Y7.09%
Revenue Next 5Y3.68%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year26.28%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y8.41%
FCF growth 3Y-20.1%
FCF growth 5YN/A
OCF growth 1Y10.49%
OCF growth 3Y-18.73%
OCF growth 5Y81.91%

CITIZENS FINANCIAL GROUP / CFG FAQ

Can you provide the ChartMill fundamental rating for CITIZENS FINANCIAL GROUP?

ChartMill assigns a fundamental rating of 3 / 10 to CFG.


What is the valuation status of CITIZENS FINANCIAL GROUP (CFG) stock?

ChartMill assigns a valuation rating of 4 / 10 to CITIZENS FINANCIAL GROUP (CFG). This can be considered as Fairly Valued.


What is the profitability of CFG stock?

CITIZENS FINANCIAL GROUP (CFG) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for CFG stock?

The Earnings per Share (EPS) of CITIZENS FINANCIAL GROUP (CFG) is expected to grow by 33.91% in the next year.


How sustainable is the dividend of CITIZENS FINANCIAL GROUP (CFG) stock?

The dividend rating of CITIZENS FINANCIAL GROUP (CFG) is 7 / 10 and the dividend payout ratio is 52.61%.