CITIZENS FINANCIAL GROUP (CFG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CFG - US1746101054 - Common Stock
54.1 USD
+0.12 (+0.22%)
54.2 USD
+0.1 (+0.18%)
Taking everything into account, CFG scores 3 out of 10 in our fundamental rating. CFG was compared to 387 industry peers in the Banks industry. CFG has a bad profitability rating. Also its financial health evaluation is rather negative. CFG is not valued too expensively and it also shows a decent growth rate. Finally CFG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
CFG had positive earnings in the past year.
CFG had a positive operating cash flow in the past year.
Each year in the past 5 years CFG has been profitable.
Each year in the past 5 years CFG had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.70%, CFG is doing worse than 64.86% of the companies in the same industry.
CFG has a Return On Equity of 6.06%. This is in the lower half of the industry: CFG underperforms 72.87% of its industry peers.
| 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
With a Profit Margin value of 19.39%, CFG is not doing good in the industry: 67.44% 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 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.
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.
2.2 Solvency
The Debt to FCF ratio of CFG is 3.91, which is a good value as it means it would take CFG, 3.91 years of fcf income to pay off all of its debts.
CFG has a worse Debt to FCF ratio (3.91) than 64.60% of its industry peers.
A Debt/Equity ratio of 0.41 indicates that CFG is not too dependend on debt financing.
The Debt to Equity ratio of CFG (0.41) is worse than 73.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | 3.91 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.2%
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.
The Earnings Per Share has been decreasing by -4.53% on average over the past years.
Looking at the last year, CFG shows a small growth in Revenue. The Revenue has grown by 3.39% 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)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.
The Revenue is expected to grow by 4.05% on average over the next years.
EPS Next Y28.27%
EPS Next 2Y29.39%
EPS Next 3Y27.02%
EPS Next 5Y8.25%
Revenue Next Year5.98%
Revenue Next 2Y7.35%
Revenue Next 3Y6.49%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 15.15, which indicates a correct valuation of CFG.
Compared to the rest of the industry, the Price/Earnings ratio of CFG indicates a slightly more expensive valuation: CFG is more expensive than 70.03% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.31, CFG is valued a bit cheaper.
A Price/Forward Earnings ratio of 10.67 indicates a reasonable valuation of CFG.
The rest of the industry has a similar Price/Forward Earnings ratio as CFG.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.59, CFG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.15 | ||
| Fwd PE | 10.67 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CFG indicates a somewhat cheap valuation: CFG is cheaper than 75.45% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.54 | ||
| EV/EBITDA | N/A |
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.
CFG's earnings are expected to grow with 27.02% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.54
PEG (5Y)N/A
EPS Next 2Y29.39%
EPS Next 3Y27.02%
5. Dividend
5.1 Amount
CFG has a Yearly Dividend Yield of 3.41%. 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 3.23.
Compared to an average S&P500 Dividend Yield of 2.34, CFG pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.41% |
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 Years0
Div Non Decr Years10
5.3 Sustainability
CFG pays out 56.26% of its income as dividend. 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 2Y29.39%
EPS Next 3Y27.02%
54.1
+0.12 (+0.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners98.31%
Inst Owner Change-1.38%
Ins Owners0.64%
Ins Owner Change1.86%
Market Cap23.24B
Revenue(TTM)8.08B
Net Income(TTM)1.57B
Analysts82.96
Price Target63.06 (16.56%)
Short Float %3.13%
Short Ratio2.89
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.41% |
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)6.59%
PT rev (3m)11.06%
EPS NQ rev (1m)-0.82%
EPS NQ rev (3m)0.68%
EPS NY rev (1m)-0.12%
EPS NY rev (3m)0.75%
Revenue NQ rev (1m)0.18%
Revenue NQ rev (3m)1.02%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.15 | ||
| Fwd PE | 10.67 | ||
| P/S | 2.88 | ||
| P/FCF | 8.54 | ||
| P/OCF | 8.15 | ||
| P/B | 0.9 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.57
EY6.6%
EPS(NY)5.07
Fwd EY9.38%
FCF(TTM)6.34
FCFY11.71%
OCF(TTM)6.64
OCFY12.27%
SpS18.8
BVpS60.14
TBVpS40.79
PEG (NY)0.54
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
WACC15.2%
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 Y28.27%
EPS Next 2Y29.39%
EPS Next 3Y27.02%
EPS Next 5Y8.25%
Revenue 1Y (TTM)3.39%
Revenue growth 3Y5.52%
Revenue growth 5Y3.77%
Sales Q2Q%1.32%
Revenue Next Year5.98%
Revenue Next 2Y7.35%
Revenue Next 3Y6.49%
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 15.15 and the Price/Book (PB) ratio is 0.9.
How financially healthy is CITIZENS FINANCIAL GROUP?
The financial health rating of CITIZENS FINANCIAL GROUP (CFG) is 1 / 10.