CITIZENS FINANCIAL GROUP (CFG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CFG - US1746101054 - Common Stock
59.64 USD
-0.22 (-0.37%)
CFG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 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. Finally 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.
Each year in the past 5 years CFG has been profitable.
CFG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CFG's Return On Assets of 0.70% is on the low side compared to the rest of the industry. CFG is outperformed by 65.46% of its industry peers.
Looking at the Return On Equity, with a value of 6.06%, CFG is doing worse than 72.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.7% | ||
| ROE | 6.06% | ||
| 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
The Profit Margin of CFG (19.39%) is worse than 67.78% of its industry peers.
In the last couple of years the Profit Margin of CFG has declined.
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) | 19.39% | ||
| 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.
Compared to 1 year ago, CFG has less shares outstanding
CFG has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CFG is higher compared to a year ago.
2.2 Solvency
CFG has a debt to FCF ratio of 3.91. This is a good value and a sign of high solvency as CFG would need 3.91 years to pay back of all of its debts.
With a Debt to FCF ratio value of 3.91, CFG is not doing good in the industry: 65.21% of the companies in the same industry are doing better.
CFG has a Debt/Equity ratio of 0.41. This is a healthy value indicating a solid balance between debt and equity.
CFG's Debt to Equity ratio of 0.41 is on the low side compared to the rest of the industry. CFG is outperformed by 73.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | 3.91 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.85%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CFG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 40.55%, which is quite impressive.
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.
CFG shows a small growth in Revenue. In the last year, the Revenue has grown by 3.39%.
CFG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.77% yearly.
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
CFG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.25% yearly.
The Revenue is expected to grow by 4.05% on average over the next years.
EPS Next Y28.33%
EPS Next 2Y29.41%
EPS Next 3Y27.08%
EPS Next 5Y8.25%
Revenue Next Year6.04%
Revenue Next 2Y7.08%
Revenue Next 3Y6.54%
Revenue Next 5Y4.05%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 16.71, CFG is valued correctly.
CFG's Price/Earnings ratio is a bit more expensive when compared to the industry. CFG is more expensive than 74.23% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.59. CFG is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 11.75, the valuation of CFG can be described as very reasonable.
60.05% of the companies in the same industry are cheaper than CFG, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 24.03. CFG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.71 | ||
| Fwd PE | 11.75 |
4.2 Price Multiples
70.88% of the companies in the same industry are more expensive than CFG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.41 | ||
| 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 27.08% in the coming years.
PEG (NY)0.59
PEG (5Y)N/A
EPS Next 2Y29.41%
EPS Next 3Y27.08%
5. Dividend
5.1 Amount
CFG has a Yearly Dividend Yield of 3.15%. 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 2.74.
CFG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.15% |
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
5.3 Sustainability
56.26% of the earnings are spent on dividend by CFG. This is a bit on the high side, but may be sustainable.
The dividend of CFG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP56.26%
EPS Next 2Y29.41%
EPS Next 3Y27.08%
NYSE:CFG (12/26/2025, 12:35:55 PM)
59.64
-0.22 (-0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners98.03%
Inst Owner Change-1.35%
Ins Owners0.62%
Ins Owner Change0.84%
Market Cap25.61B
Revenue(TTM)8.08B
Net Income(TTM)1.57B
Analysts82.96
Price TargetN/A
Short Float %3.29%
Short Ratio2.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.15% |
Yearly Dividend1.99
Dividend Growth(5Y)5.59%
DP56.26%
Div Incr Years0
Div Non Decr Years10
Ex-Date
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)0.08%
PT rev (3m)9.07%
EPS NQ rev (1m)0.01%
EPS NQ rev (3m)0.69%
EPS NY rev (1m)0.05%
EPS NY rev (3m)0.79%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)1.06%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)0.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.71 | ||
| Fwd PE | 11.75 | ||
| P/S | 3.17 | ||
| P/FCF | 9.41 | ||
| P/OCF | 8.98 | ||
| P/B | 0.99 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.57
EY5.99%
EPS(NY)5.07
Fwd EY8.51%
FCF(TTM)6.34
FCFY10.63%
OCF(TTM)6.64
OCFY11.13%
SpS18.8
BVpS60.14
TBVpS40.79
PEG (NY)0.59
PEG (5Y)N/A
Graham Number69.5
Profitability
| Industry Rank | Sector 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)0.72%
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-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector 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
WACC14.85%
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 Y28.33%
EPS Next 2Y29.41%
EPS Next 3Y27.08%
EPS Next 5Y8.25%
Revenue 1Y (TTM)3.39%
Revenue growth 3Y5.52%
Revenue growth 5Y3.77%
Sales Q2Q%1.32%
Revenue Next Year6.04%
Revenue Next 2Y7.08%
Revenue Next 3Y6.54%
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-24.87%
FCF growth 3Y-4.41%
FCF growth 5Y7.14%
OCF growth 1Y-23.58%
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 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.
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 16.71 and the Price/Book (PB) ratio is 0.99.
How financially healthy is CITIZENS FINANCIAL GROUP?
The financial health rating of CITIZENS FINANCIAL GROUP (CFG) is 1 / 10.