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CITIZENS FINANCIAL GROUP (CFG) Stock Fundamental Analysis

NYSE:CFG - New York Stock Exchange, Inc. - US1746101054 - Common Stock - Currency: USD

40.33  -0.84 (-2.04%)

After market: 40.33 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CFG. 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. Finally CFG also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year CFG was profitable.
In the past year CFG had a positive cash flow from operations.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B

1.2 Ratios

The Return On Assets of CFG (0.64%) is worse than 65.66% of its industry peers.
Looking at the Return On Equity, with a value of 5.66%, CFG is doing worse than 73.23% of the companies in the same industry.
Industry RankSector Rank
ROA 0.64%
ROE 5.66%
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

CFG has a Profit Margin of 18.09%. This is in the lower half of the industry: CFG underperforms 68.94% of its industry peers.
In the last couple of years the Profit Margin of CFG has declined.
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) 18.09%
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.
CFG has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, CFG has a worse debt to assets ratio.
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 11.08. This is a negative value and a sign of low solvency as CFG would need 11.08 years to pay back of all of its debts.
CFG has a worse Debt to FCF ratio (11.08) than 80.05% of its industry peers.
CFG has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.44, CFG is not doing good in the industry: 77.02% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 11.08
Altman-Z N/A
ROIC/WACCN/A
WACC17.47%
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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4

3. Growth

3.1 Past

CFG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.13%, which is quite good.
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 decrease in Revenue. The Revenue has decreased by -3.35% in the last year.
Measured over the past years, CFG shows a small growth in Revenue. The Revenue has been growing by 3.77% on average per year.
EPS 1Y (TTM)14.13%
EPS 3Y-16.26%
EPS 5Y-4.53%
EPS Q2Q%18.46%
Revenue 1Y (TTM)-3.35%
Revenue growth 3Y5.52%
Revenue growth 5Y3.77%
Sales Q2Q%-1.23%

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.
Based on estimates for the next years, CFG will show a small growth in Revenue. The Revenue will grow by 4.05% on average per year.
EPS Next Y24.99%
EPS Next 2Y28.01%
EPS Next 3Y27.27%
EPS Next 5Y8.25%
Revenue Next Year4.55%
Revenue Next 2Y6.5%
Revenue Next 3Y6.91%
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.
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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5

4. Valuation

4.1 Price/Earnings Ratio

CFG is valuated correctly with a Price/Earnings ratio of 12.80.
Compared to the rest of the industry, the Price/Earnings ratio of CFG is on the same level as its industry peers.
When comparing the Price/Earnings ratio of CFG to the average of the S&P500 Index (26.32), we can say CFG is valued rather cheaply.
A Price/Forward Earnings ratio of 8.12 indicates a reasonable valuation of CFG.
CFG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CFG is cheaper than 71.46% of the companies in the same industry.
CFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.8
Fwd PE 8.12
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 more expensive than 68.18% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.93
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

The 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 27.27% in the coming years.
PEG (NY)0.51
PEG (5Y)N/A
EPS Next 2Y28.01%
EPS Next 3Y27.27%

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8

5. Dividend

5.1 Amount

CFG has a Yearly Dividend Yield of 4.08%, which is a nice return.
CFG's Dividend Yield is a higher than the industry average which is at 3.46.
CFG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 4.08%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

63.57% 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.
DP63.57%
EPS Next 2Y28.01%
EPS Next 3Y27.27%
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 (6/13/2025, 8:04:00 PM)

After market: 40.33 0 (0%)

40.33

-0.84 (-2.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2025-04-16/bmo
Earnings (Next)07-17 2025-07-17/bmo
Inst Owners96.63%
Inst Owner Change-1.05%
Ins Owners0.62%
Ins Owner Change5.01%
Market Cap17.65B
Analysts77.69
Price Target48.24 (19.61%)
Short Float %3.04%
Short Ratio2.53
Dividend
Industry RankSector Rank
Dividend Yield 4.08%
Yearly Dividend1.99
Dividend Growth(5Y)5.59%
DP63.57%
Div Incr Years0
Div Non Decr Years10
Ex-Date04-30 2025-04-30 (0.42)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.58%
Min EPS beat(2)-0.57%
Max EPS beat(2)1.72%
EPS beat(4)1
Avg EPS beat(4)-1.07%
Min EPS beat(4)-3.78%
Max EPS beat(4)1.72%
EPS beat(8)1
Avg EPS beat(8)-10.81%
EPS beat(12)1
Avg EPS beat(12)-10.43%
EPS beat(16)5
Avg EPS beat(16)-5.86%
Revenue beat(2)1
Avg Revenue beat(2)-0.46%
Min Revenue beat(2)-1.12%
Max Revenue beat(2)0.2%
Revenue beat(4)1
Avg Revenue beat(4)-0.98%
Min Revenue beat(4)-2.86%
Max Revenue beat(4)0.2%
Revenue beat(8)1
Avg Revenue beat(8)-1.23%
Revenue beat(12)2
Avg Revenue beat(12)-1.08%
Revenue beat(16)4
Avg Revenue beat(16)-0.8%
PT rev (1m)2%
PT rev (3m)-11.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.95%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.71%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)-0.93%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.64%
Valuation
Industry RankSector Rank
PE 12.8
Fwd PE 8.12
P/S 2.27
P/FCF 15.93
P/OCF 14.3
P/B 0.71
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)3.15
EY7.81%
EPS(NY)4.96
Fwd EY12.31%
FCF(TTM)2.53
FCFY6.28%
OCF(TTM)2.82
OCFY6.99%
SpS17.79
BVpS56.81
TBVpS37.8
PEG (NY)0.51
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.64%
ROE 5.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.09%
GM N/A
FCFM 14.23%
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 0.44
Debt/FCF 11.08
Debt/EBITDA N/A
Cap/Depr 24.28%
Cap/Sales 1.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 78.69%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC17.47%
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)14.13%
EPS 3Y-16.26%
EPS 5Y-4.53%
EPS Q2Q%18.46%
EPS Next Y24.99%
EPS Next 2Y28.01%
EPS Next 3Y27.27%
EPS Next 5Y8.25%
Revenue 1Y (TTM)-3.35%
Revenue growth 3Y5.52%
Revenue growth 5Y3.77%
Sales Q2Q%-1.23%
Revenue Next Year4.55%
Revenue Next 2Y6.5%
Revenue Next 3Y6.91%
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-69.19%
FCF growth 3Y-4.41%
FCF growth 5Y7.14%
OCF growth 1Y-66.85%
OCF growth 3Y-4.19%
OCF growth 5Y3.35%