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CITIZENS FINANCIAL GROUP (CFG) Stock Fundamental Analysis

NYSE:CFG - US1746101054 - Common Stock

52.28 USD
+0.12 (+0.23%)
Last: 8/29/2025, 8:11:41 PM
52.666 USD
+0.39 (+0.74%)
After Hours: 8/29/2025, 8:11:41 PM
Fundamental Rating

3

Taking everything into account, CFG scores 3 out of 10 in our fundamental rating. CFG was compared to 395 industry peers in the Banks industry. Both the profitability and financial health of CFG have multiple concerns. CFG has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CFG had positive earnings in the past year.
CFG had a positive operating cash flow in the past year.
CFG had positive earnings in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.67%, CFG is doing worse than 65.32% of the companies in the same industry.
The Return On Equity of CFG (5.76%) is worse than 71.14% of its industry peers.
Industry RankSector Rank
ROA 0.67%
ROE 5.76%
ROIC N/A
ROA(3y)0.72%
ROA(5y)0.77%
ROE(3y)6.69%
ROE(5y)6.73%
ROIC(3y)N/A
ROIC(5y)N/A
CFG Yearly ROA, ROE, ROICCFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

Looking at the Profit Margin, with a value of 18.49%, CFG is doing worse than 66.33% of the companies in the same industry.
CFG's Profit Margin has declined 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) 18.49%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.1%
PM growth 5Y-7.87%
GM growth 3YN/A
GM growth 5YN/A
CFG Yearly Profit, Operating, Gross MarginsCFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

CFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CFG has been reduced compared to 1 year ago.
Compared to 5 years ago, CFG has more shares outstanding
The debt/assets ratio for CFG is higher compared to a year ago.
CFG Yearly Shares OutstandingCFG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
CFG Yearly Total Debt VS Total AssetsCFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

2.2 Solvency

CFG has a debt to FCF ratio of 9.71. This is a negative value and a sign of low solvency as CFG would need 9.71 years to pay back of all of its debts.
CFG's Debt to FCF ratio of 9.71 is on the low side compared to the rest of the industry. CFG is outperformed by 75.95% of its industry peers.
CFG has a Debt/Equity ratio of 0.45. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of CFG (0.45) is worse than 75.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 9.71
Altman-Z N/A
ROIC/WACCN/A
WACC15.66%
CFG Yearly LT Debt VS Equity VS FCFCFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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3. Growth

3.1 Past

CFG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.57%, which is quite impressive.
CFG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.53% yearly.
CFG shows a decrease in Revenue. In the last year, the revenue decreased by -0.82%.
The Revenue has been growing slightly by 3.77% on average over the past years.
EPS 1Y (TTM)25.57%
EPS 3Y-16.26%
EPS 5Y-4.53%
EPS Q2Q%17.95%
Revenue 1Y (TTM)-0.82%
Revenue growth 3Y5.52%
Revenue growth 5Y3.77%
Sales Q2Q%3.77%

3.2 Future

Based on estimates for the next years, CFG will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.25% on average per year.
CFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.05% yearly.
EPS Next Y27.32%
EPS Next 2Y28.64%
EPS Next 3Y27.37%
EPS Next 5Y8.25%
Revenue Next Year5.52%
Revenue Next 2Y7.02%
Revenue Next 3Y7.2%
Revenue Next 5Y4.05%

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 accelerating.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2B 4B 6B 8B
CFG Yearly EPS VS EstimatesCFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 15.89 indicates a correct valuation of CFG.
Based on the Price/Earnings ratio, CFG is valued a bit more expensive than the industry average as 69.87% of the companies are valued more cheaply.
CFG's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.13.
The Price/Forward Earnings ratio is 10.43, which indicates a very decent valuation of CFG.
The rest of the industry has a similar Price/Forward Earnings ratio as CFG.
CFG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.76.
Industry RankSector Rank
PE 15.89
Fwd PE 10.43
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

68.10% of the companies in the same industry are cheaper than CFG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 19.49
EV/EBITDA N/A
CFG Per share dataCFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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 27.37% in the coming years.
PEG (NY)0.58
PEG (5Y)N/A
EPS Next 2Y28.64%
EPS Next 3Y27.37%

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6

5. Dividend

5.1 Amount

CFG has a Yearly Dividend Yield of 3.22%. Purely for dividend investing, there may be better candidates out there.
CFG's Dividend Yield is a higher than the industry average which is at 3.17.
CFG's Dividend Yield is a higher than the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 3.22%

5.2 History

The dividend of CFG has a limited annual growth rate of 5.59%.
CFG has paid a dividend for at least 10 years, which is a reliable track record.
CFG has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.59%
Div Incr Years0
Div Non Decr Years10
CFG Yearly Dividends per shareCFG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

CFG pays out 61.18% of its income as dividend. This is not a sustainable payout ratio.
CFG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP61.18%
EPS Next 2Y28.64%
EPS Next 3Y27.37%
CFG Yearly Income VS Free CF VS DividendCFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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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CITIZENS FINANCIAL GROUP

NYSE:CFG (8/29/2025, 8:11:41 PM)

After market: 52.666 +0.39 (+0.74%)

52.28

+0.12 (+0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-17 2025-07-17/bmo
Earnings (Next)10-16 2025-10-16/bmo
Inst Owners98.33%
Inst Owner Change0.54%
Ins Owners0.63%
Ins Owner Change2.24%
Market Cap22.55B
Analysts80
Price Target56.78 (8.61%)
Short Float %2.74%
Short Ratio2.29
Dividend
Industry RankSector Rank
Dividend Yield 3.22%
Yearly Dividend1.99
Dividend Growth(5Y)5.59%
DP61.18%
Div Incr Years0
Div Non Decr Years10
Ex-Date07-31 2025-07-31 (0.42)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.33%
Min EPS beat(2)1.72%
Max EPS beat(2)2.94%
EPS beat(4)2
Avg EPS beat(4)0.08%
Min EPS beat(4)-3.78%
Max EPS beat(4)2.94%
EPS beat(8)2
Avg EPS beat(8)-9.25%
EPS beat(12)2
Avg EPS beat(12)-8.48%
EPS beat(16)5
Avg EPS beat(16)-7.43%
Revenue beat(2)1
Avg Revenue beat(2)-0.32%
Min Revenue beat(2)-1.12%
Max Revenue beat(2)0.49%
Revenue beat(4)2
Avg Revenue beat(4)-0.82%
Min Revenue beat(4)-2.86%
Max Revenue beat(4)0.49%
Revenue beat(8)2
Avg Revenue beat(8)-1.02%
Revenue beat(12)3
Avg Revenue beat(12)-0.99%
Revenue beat(16)5
Avg Revenue beat(16)-0.64%
PT rev (1m)9.76%
PT rev (3m)20.06%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)-1.48%
EPS NY rev (1m)1.86%
EPS NY rev (3m)1.87%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)0.71%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)0.9%
Valuation
Industry RankSector Rank
PE 15.89
Fwd PE 10.43
P/S 2.87
P/FCF 19.49
P/OCF 17.54
P/B 0.89
P/tB 1.33
EV/EBITDA N/A
EPS(TTM)3.29
EY6.29%
EPS(NY)5.01
Fwd EY9.59%
FCF(TTM)2.68
FCFY5.13%
OCF(TTM)2.98
OCFY5.7%
SpS18.22
BVpS58.5
TBVpS39.22
PEG (NY)0.58
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.67%
ROE 5.76%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.49%
GM N/A
FCFM 14.72%
ROA(3y)0.72%
ROA(5y)0.77%
ROE(3y)6.69%
ROE(5y)6.73%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.1%
PM growth 5Y-7.87%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 9.71
Debt/EBITDA N/A
Cap/Depr 25.8%
Cap/Sales 1.64%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 79.63%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.66%
ROIC/WACCN/A
Cap/Depr(3y)27.59%
Cap/Depr(5y)24.61%
Cap/Sales(3y)1.74%
Cap/Sales(5y)1.76%
Profit Quality(3y)175.91%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)25.57%
EPS 3Y-16.26%
EPS 5Y-4.53%
EPS Q2Q%17.95%
EPS Next Y27.32%
EPS Next 2Y28.64%
EPS Next 3Y27.37%
EPS Next 5Y8.25%
Revenue 1Y (TTM)-0.82%
Revenue growth 3Y5.52%
Revenue growth 5Y3.77%
Sales Q2Q%3.77%
Revenue Next Year5.52%
Revenue Next 2Y7.02%
Revenue Next 3Y7.2%
Revenue Next 5Y4.05%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year18.19%
EBIT Next 3Y16.22%
EBIT Next 5YN/A
FCF growth 1Y-79.2%
FCF growth 3Y-4.41%
FCF growth 5Y7.14%
OCF growth 1Y-77.53%
OCF growth 3Y-4.19%
OCF growth 5Y3.35%