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CITIZENS FINANCIAL GROUP (CFG) Stock Fundamental Analysis

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

39.57  -0.2 (-0.5%)

After market: 40.02 +0.45 (+1.14%)

Fundamental Rating

3

Taking everything into account, CFG scores 3 out of 10 in our fundamental rating. CFG was compared to 396 industry peers in the Banks industry. CFG has a bad profitability rating. Also its financial health evaluation is rather negative. CFG has a decent growth rate and is not valued too expensively. 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.
CFG had a positive operating cash flow in the past year.
In the past 5 years CFG has always been profitable.
Each year in the past 5 years CFG 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B

1.2 Ratios

CFG's Return On Assets of 0.64% is on the low side compared to the rest of the industry. CFG is outperformed by 65.66% of its industry peers.
Looking at the Return On Equity, with a value of 5.66%, CFG is doing worse than 72.22% 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

With a Profit Margin value of 18.09%, CFG is not doing good in the industry: 67.68% of the companies in the same industry are doing better.
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 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.
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.
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

The Debt to FCF ratio of CFG is 11.08, which is on the high side as it means it would take CFG, 11.08 years of fcf income to pay off 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.
CFG's Debt to Equity ratio of 0.44 is on the low side compared to the rest of the industry. CFG is outperformed by 77.02% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 11.08
Altman-Z N/A
ROIC/WACCN/A
WACC17.08%
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

The Earnings Per Share has grown by an nice 14.13% 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 decrease in Revenue. The Revenue has decreased by -3.35% in the last year.
The Revenue has been growing slightly by 3.77% on average over the past years.
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

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.
CFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.05% yearly.
EPS Next Y24.99%
EPS Next 2Y28.01%
EPS Next 3Y27.27%
EPS Next 5Y8.25%
Revenue Next Year4.58%
Revenue Next 2Y6.46%
Revenue Next 3Y6.82%
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.
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 12.56.
The rest of the industry has a similar Price/Earnings ratio as CFG.
The average S&P500 Price/Earnings ratio is at 25.91. CFG is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 7.97, the valuation of CFG can be described as very cheap.
Based on the Price/Forward Earnings ratio, CFG is valued a bit cheaper than the industry average as 76.26% of the companies are valued more expensively.
CFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.85, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.56
Fwd PE 7.97
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CFG indicates a slightly more expensive valuation: CFG is more expensive than 67.17% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 15.63
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)0.5
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 4.03%, which is a nice return.
Compared to an average industry Dividend Yield of 3.34, CFG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, CFG pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.03%

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 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 Years2
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 63.57% 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.
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 (5/23/2025, 3:42:14 PM)

After market: 40.02 +0.45 (+1.14%)

39.57

-0.2 (-0.5%)

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 Owners97.49%
Inst Owner Change-1.08%
Ins Owners0.66%
Ins Owner Change4.79%
Market Cap17.32B
Analysts76
Price Target47.29 (19.51%)
Short Float %2.75%
Short Ratio2.15
Dividend
Industry RankSector Rank
Dividend Yield 4.03%
Yearly Dividend1.99
Dividend Growth(5Y)5.59%
DP63.57%
Div Incr Years2
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)-9.93%
PT rev (3m)-11.82%
EPS NQ rev (1m)0.06%
EPS NQ rev (3m)-6.41%
EPS NY rev (1m)-0.34%
EPS NY rev (3m)-2.71%
Revenue NQ rev (1m)-0.25%
Revenue NQ rev (3m)-1.07%
Revenue NY rev (1m)-0.3%
Revenue NY rev (3m)-0.58%
Valuation
Industry RankSector Rank
PE 12.56
Fwd PE 7.97
P/S 2.22
P/FCF 15.63
P/OCF 14.03
P/B 0.7
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)3.15
EY7.96%
EPS(NY)4.96
Fwd EY12.55%
FCF(TTM)2.53
FCFY6.4%
OCF(TTM)2.82
OCFY7.13%
SpS17.79
BVpS56.81
TBVpS37.8
PEG (NY)0.5
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
WACC17.08%
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 Year4.58%
Revenue Next 2Y6.46%
Revenue Next 3Y6.82%
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%