CITIZENS FINANCIAL GROUP (CFG) Stock Fundamental Analysis

NYSE:CFG • US1746101054

65.1 USD
+0.32 (+0.49%)
At close: Feb 13, 2026
65.1 USD
0 (0%)
After Hours: 2/13/2026, 7:57:33 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall CFG gets a fundamental rating of 3 out of 10. We evaluated CFG against 381 industry peers in the Banks industry. Both the profitability and financial health of CFG have multiple concerns. CFG is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year CFG was profitable.
  • CFG had a positive operating cash flow in the past year.
  • In the past 5 years CFG has always been profitable.
  • Of the past 5 years CFG 4 years had a positive operating cash flow.
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

  • CFG has a worse Return On Assets (0.70%) than 65.88% of its industry peers.
  • CFG has a worse Return On Equity (6.06%) than 72.44% of its industry peers.
Industry RankSector Rank
ROA 0.7%
ROE 6.06%
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 19.39%, CFG is doing worse than 68.50% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CFG has grown nicely.
  • 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) 19.39%
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. Health

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.
  • Compared to 5 years ago, CFG has more shares outstanding
  • 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 3.91, which is a good value as it means it would take CFG, 3.91 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of CFG (3.91) is worse than 65.88% of its industry peers.
  • A Debt/Equity ratio of 0.41 indicates that CFG is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.41, CFG is doing worse than 72.97% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF 3.91
Altman-Z N/A
ROIC/WACCN/A
WACC14.36%
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.72% over the past year.
  • Measured over the past years, CFG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.66% on average per year.
  • 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

  • The Earnings Per Share is expected to grow by 4.08% on average over the next years.
  • The Revenue is expected to grow by 3.68% on average over the next years.
EPS Next Y33.65%
EPS Next 2Y28.12%
EPS Next 3Y24.84%
EPS Next 5Y4.08%
Revenue Next Year10.16%
Revenue Next 2Y9.12%
Revenue Next 3Y7.71%
Revenue Next 5Y3.68%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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. Valuation

4.1 Price/Earnings Ratio

  • CFG is valuated correctly with a Price/Earnings ratio of 16.82.
  • Based on the Price/Earnings ratio, CFG is valued a bit more expensive than 76.90% of the companies in the same industry.
  • CFG is valuated rather cheaply when we compare the Price/Earnings ratio to 27.97, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 12.59, the valuation of CFG can be described as correct.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CFG indicates a slightly more expensive valuation: CFG is more expensive than 60.89% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.96. CFG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 16.82
Fwd PE 12.59
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

  • Based on the Price/Free Cash Flow ratio, CFG is valued a bit cheaper than the industry average as 70.08% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.27
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 24.84% in the coming years.
PEG (NY)0.5
PEG (5Y)1.44
EPS Next 2Y28.12%
EPS Next 3Y24.84%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • CFG has a Yearly Dividend Yield of 2.84%.
  • Compared to an average industry Dividend Yield of 2.74, CFG has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.84, CFG pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.84%

5.2 History

  • The dividend of CFG has a limited annual growth rate of 5.59%.
  • CFG has been paying a dividend for at least 10 years, so it has 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • CFG pays out 56.26% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • CFG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP56.26%
EPS Next 2Y28.12%
EPS Next 3Y24.84%
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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CITIZENS FINANCIAL GROUP

NYSE:CFG (2/13/2026, 7:57:33 PM)

After market: 65.1 0 (0%)

65.1

+0.32 (+0.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-16
Inst Owners98.15%
Inst Owner Change-0.69%
Ins Owners0.61%
Ins Owner Change0.84%
Market Cap27.94B
Revenue(TTM)8.25B
Net Income(TTM)1.57B
Analysts82.31
Price Target73.6 (13.06%)
Short Float %3.94%
Short Ratio3.34
Dividend
Industry RankSector Rank
Dividend Yield 2.84%
Yearly Dividend1.99
Dividend Growth(5Y)5.59%
DP56.26%
Div Incr Years0
Div Non Decr Years10
Ex-Date02-04
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.11%
Min EPS beat(2)1.28%
Max EPS beat(2)2.94%
EPS beat(4)3
Avg EPS beat(4)1.34%
Min EPS beat(4)-0.57%
Max EPS beat(4)2.94%
EPS beat(8)3
Avg EPS beat(8)-8.21%
EPS beat(12)3
Avg EPS beat(12)-8.34%
EPS beat(16)5
Avg EPS beat(16)-7.4%
Revenue beat(2)1
Avg Revenue beat(2)-4.35%
Min Revenue beat(2)-9.19%
Max Revenue beat(2)0.49%
Revenue beat(4)2
Avg Revenue beat(4)-2.41%
Min Revenue beat(4)-9.19%
Max Revenue beat(4)0.49%
Revenue beat(8)2
Avg Revenue beat(8)-1.88%
Revenue beat(12)2
Avg Revenue beat(12)-1.84%
Revenue beat(16)4
Avg Revenue beat(16)-1.23%
PT rev (1m)14.49%
PT rev (3m)16.81%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.52%
EPS NY rev (1m)1.74%
EPS NY rev (3m)1.97%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)-0.14%
Revenue NY rev (1m)1.66%
Revenue NY rev (3m)1.17%
Valuation
Industry RankSector Rank
PE 16.82
Fwd PE 12.59
P/S 3.46
P/FCF 10.27
P/OCF 9.8
P/B 1.08
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)3.87
EY5.94%
EPS(NY)5.17
Fwd EY7.95%
FCF(TTM)6.34
FCFY9.74%
OCF(TTM)6.64
OCFY10.21%
SpS18.81
BVpS60.17
TBVpS40.81
PEG (NY)0.5
PEG (5Y)1.44
Graham Number72.39
Profitability
Industry RankSector Rank
ROA 0.7%
ROE 6.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.39%
GM N/A
FCFM 33.7%
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 0.41
Debt/FCF 3.91
Debt/EBITDA N/A
Cap/Depr 26.53%
Cap/Sales 1.61%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 173.82%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.36%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.72%
EPS 3Y-1.75%
EPS 5Y11.66%
EPS Q2Q%36.14%
EPS Next Y33.65%
EPS Next 2Y28.12%
EPS Next 3Y24.84%
EPS Next 5Y4.08%
Revenue 1Y (TTM)5.61%
Revenue growth 3Y0.93%
Revenue growth 5Y3.62%
Sales Q2Q%8.61%
Revenue Next Year10.16%
Revenue Next 2Y9.12%
Revenue Next 3Y7.71%
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 1Y31.75%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y30.35%
OCF growth 3YN/A
OCF growth 5YN/A

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 5 / 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 2 / 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 33.65% in the next year.


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

The dividend rating of CITIZENS FINANCIAL GROUP (CFG) is 6 / 10 and the dividend payout ratio is 56.26%.