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CITIZENS FINANCIAL GROUP (CFG) Stock Fundamental Analysis

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

48.82  +1.85 (+3.94%)

After market: 48.82 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CFG. CFG was compared to 394 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.


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 has a Return On Assets of 0.64%. This is in the lower half of the industry: CFG underperforms 65.74% of its industry peers.
CFG has a worse Return On Equity (5.66%) than 73.35% of its industry peers.
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

The Profit Margin of CFG (18.09%) is worse than 68.78% 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.
Compared to 1 year ago, CFG has less shares outstanding
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.
The Debt to FCF ratio of CFG (11.08) is worse than 79.95% 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.
The Debt to Equity ratio of CFG (0.44) is worse than 77.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 11.08
Altman-Z N/A
ROIC/WACCN/A
WACC16.1%
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 25.57%, which is quite impressive.
CFG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.53% yearly.
Looking at the last year, CFG shows a decrease in Revenue. The Revenue has decreased by -5.05% in the last year.
The Revenue has been growing slightly by 3.77% on average over the past years.
EPS 1Y (TTM)25.57%
EPS 3Y-16.26%
EPS 5Y-4.53%
EPS Q2Q%17.95%
Revenue 1Y (TTM)-5.05%
Revenue growth 3Y5.52%
Revenue growth 5Y3.77%
Sales Q2Q%3.77%

3.2 Future

The Earnings Per Share is expected to grow by 8.25% on average over the next years. This is quite good.
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 2Y28.29%
EPS Next 3Y27.37%
EPS Next 5Y8.25%
Revenue Next Year4.6%
Revenue Next 2Y6.56%
Revenue Next 3Y6.95%
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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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.84, CFG is valued correctly.
CFG's Price/Earnings ratio is a bit more expensive when compared to the industry. CFG is more expensive than 62.94% of the companies in the same industry.
CFG's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.48.
CFG is valuated reasonably with a Price/Forward Earnings ratio of 9.79.
CFG's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of CFG to the average of the S&P500 Index (36.52), we can say CFG is valued rather cheaply.
Industry RankSector Rank
PE 14.84
Fwd PE 9.79
CFG Price Earnings VS Forward Price EarningsCFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

CFG's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. CFG is more expensive than 71.57% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19.11
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 27.37% in the coming years.
PEG (NY)0.59
PEG (5Y)N/A
EPS Next 2Y28.29%
EPS Next 3Y27.37%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.58%, CFG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.31, 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 RankSector Rank
Dividend Yield 3.58%

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.
CFG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP63.57%
EPS Next 2Y28.29%
EPS Next 3Y27.37%
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 (7/17/2025, 8:10:05 PM)

After market: 48.82 0 (0%)

48.82

+1.85 (+3.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-17 2025-07-17/bmo
Earnings (Next)10-16 2025-10-16/bmo
Inst Owners96.63%
Inst Owner Change-0.01%
Ins Owners0.62%
Ins Owner Change5.5%
Market Cap21.17B
Analysts78.46
Price Target51.73 (5.96%)
Short Float %2.68%
Short Ratio2.38
Dividend
Industry RankSector Rank
Dividend Yield 3.58%
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)0.33%
PT rev (3m)-7.82%
EPS NQ rev (1m)0.48%
EPS NQ rev (3m)-3.76%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.54%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)-0.64%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)-0.28%
Valuation
Industry RankSector Rank
PE 14.84
Fwd PE 9.79
P/S 2.72
P/FCF 19.11
P/OCF 17.16
P/B 0.85
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)3.29
EY6.74%
EPS(NY)4.99
Fwd EY10.22%
FCF(TTM)2.56
FCFY5.23%
OCF(TTM)2.85
OCFY5.83%
SpS17.95
BVpS57.34
TBVpS38.15
PEG (NY)0.59
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
WACC16.1%
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)25.57%
EPS 3Y-16.26%
EPS 5Y-4.53%
EPS Q2Q%17.95%
EPS Next Y24.99%
EPS Next 2Y28.29%
EPS Next 3Y27.37%
EPS Next 5Y8.25%
Revenue 1Y (TTM)-5.05%
Revenue growth 3Y5.52%
Revenue growth 5Y3.77%
Sales Q2Q%3.77%
Revenue Next Year4.6%
Revenue Next 2Y6.56%
Revenue Next 3Y6.95%
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%