CITIZENS FINANCIAL GROUP (CFG) Stock Fundamental Analysis
USA - NYSE:CFG - US1746101054 - Common Stock
51.99 USD
+1.03 (+2.02%)
Overall CFG gets a fundamental rating of 3 out of 10. We evaluated CFG against 391 industry peers in the Banks industry. Both the profitability and financial health of CFG have multiple concerns. CFG has a decent growth rate and is not valued too expensively. CFG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year CFG was profitable.
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.
1.2 Ratios
CFG has a worse Return On Assets (0.67%) than 65.22% of its industry peers.
The Return On Equity of CFG (5.76%) is worse than 70.84% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
CFG's Profit Margin of 18.49% is on the low side compared to the rest of the industry. CFG is outperformed by 66.24% of its industry peers.
CFG's Profit Margin has declined in the last couple of years.
CFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
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 worse debt/assets ratio than last year.
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 has a worse Debt to FCF ratio (9.71) than 77.24% of its industry peers.
A Debt/Equity ratio of 0.43 indicates that CFG is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.43, CFG is not doing good in the industry: 74.94% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.43 | ||
| Debt/FCF | 9.71 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.6%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 40.55% over the past year.
Measured over the past years, CFG shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.53% on average per year.
Looking at the last year, CFG shows a small growth in Revenue. The Revenue has grown by 3.39% in the last year.
The Revenue has been growing slightly by 3.77% on average over the past years.
EPS 1Y (TTM)40.55%
EPS 3Y-16.26%
EPS 5Y-4.53%
EPS Q2Q%36.36%
Revenue 1Y (TTM)3.39%
Revenue growth 3Y5.52%
Revenue growth 5Y3.77%
Sales Q2Q%1.32%
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 Y28.42%
EPS Next 2Y29.35%
EPS Next 3Y27%
EPS Next 5Y8.25%
Revenue Next Year5.9%
Revenue Next 2Y7.3%
Revenue Next 3Y6.47%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.56, CFG is valued correctly.
CFG's Price/Earnings ratio is a bit more expensive when compared to the industry. CFG is more expensive than 67.01% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.83. CFG is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 10.26 indicates a reasonable valuation of CFG.
CFG's Price/Forward Earnings is on the same level as the industry average.
CFG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.56 | ||
| Fwd PE | 10.26 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CFG is valued a bit more expensive than the industry average as 67.77% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.39 | ||
| EV/EBITDA | N/A |
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 27.00% in the coming years.
PEG (NY)0.51
PEG (5Y)N/A
EPS Next 2Y29.35%
EPS Next 3Y27%
5. Dividend
5.1 Amount
CFG has a Yearly Dividend Yield of 3.63%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.53, CFG pays a bit more dividend than its industry peers.
CFG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.63% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.59%
Div Incr Years0
Div Non Decr Years10
5.3 Sustainability
61.18% of the earnings are spent on dividend by CFG. This is not a sustainable payout ratio.
The dividend of CFG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP61.18%
EPS Next 2Y29.35%
EPS Next 3Y27%
NYSE:CFG (10/24/2025, 12:47:08 PM)
51.99
+1.03 (+2.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners98.31%
Inst Owner Change0.05%
Ins Owners0.64%
Ins Owner Change1.58%
Market Cap22.43B
Revenue(TTM)8.08B
Net Income(TTM)1.45B
Analysts81.54
Price Target59.16 (13.79%)
Short Float %2.09%
Short Ratio2.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.63% |
Yearly Dividend1.99
Dividend Growth(5Y)5.59%
DP61.18%
Div Incr Years0
Div Non Decr Years10
Ex-Date
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)2.32%
PT rev (3m)14.36%
EPS NQ rev (1m)0.16%
EPS NQ rev (3m)1.43%
EPS NY rev (1m)0.06%
EPS NY rev (3m)1.93%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)1.43%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)0.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.56 | ||
| Fwd PE | 10.26 | ||
| P/S | 2.85 | ||
| P/FCF | 19.39 | ||
| P/OCF | 17.44 | ||
| P/B | 0.89 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.57
EY6.87%
EPS(NY)5.07
Fwd EY9.75%
FCF(TTM)2.68
FCFY5.16%
OCF(TTM)2.98
OCFY5.73%
SpS18.22
BVpS58.49
TBVpS39.21
PEG (NY)0.51
PEG (5Y)N/A
Graham Number68.54
Profitability
| Industry Rank | Sector 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
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-19.1%
PM growth 5Y-7.87%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.43 | ||
| 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
WACC15.6%
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)40.55%
EPS 3Y-16.26%
EPS 5Y-4.53%
EPS Q2Q%36.36%
EPS Next Y28.42%
EPS Next 2Y29.35%
EPS Next 3Y27%
EPS Next 5Y8.25%
Revenue 1Y (TTM)3.39%
Revenue growth 3Y5.52%
Revenue growth 5Y3.77%
Sales Q2Q%1.32%
Revenue Next Year5.9%
Revenue Next 2Y7.3%
Revenue Next 3Y6.47%
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%
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.
Can you provide the valuation status for CITIZENS FINANCIAL GROUP?
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 2 / 10.
What is the valuation of CITIZENS FINANCIAL GROUP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for CITIZENS FINANCIAL GROUP (CFG) is 14.56 and the Price/Book (PB) ratio is 0.89.
How financially healthy is CITIZENS FINANCIAL GROUP?
The financial health rating of CITIZENS FINANCIAL GROUP (CFG) is 1 / 10.