CITIZENS FINANCIAL GROUP (CFG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CFG - US1746101054 - Common Stock
59.39 USD
+0.98 (+1.68%)
59.87 USD
+0.48 (+0.81%)
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 has a correct valuation and a medium 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.
CFG had positive earnings in each of the past 5 years.
In the past 5 years CFG always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.70%, CFG is not doing good in the industry: 65.63% of the companies in the same industry are doing better.
CFG's Return On Equity of 6.06% is on the low side compared to the rest of the industry. CFG is outperformed by 72.35% 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: 68.22% of the companies in the same industry are doing better.
CFG's Profit Margin has declined in the last couple of years.
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.
CFG has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, CFG has more shares outstanding
The debt/assets ratio for CFG is higher compared to a year ago.
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.
With a Debt to FCF ratio value of 3.91, CFG is not doing good in the industry: 66.15% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.41 indicates that CFG is not too dependend on debt financing.
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 73.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | 3.91 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.87%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 40.55% over the past year.
CFG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.53% yearly.
CFG shows a small growth in Revenue. In the last year, the Revenue has grown by 3.39%.
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.
CFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.05% yearly.
EPS Next Y28.18%
EPS Next 2Y29.53%
EPS Next 3Y27.12%
EPS Next 5Y8.25%
Revenue Next Year5.9%
Revenue Next 2Y7.08%
Revenue Next 3Y6.53%
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
Based on the Price/Earnings ratio of 16.64, the valuation of CFG can be described as correct.
73.64% of the companies in the same industry are cheaper than CFG, based on the Price/Earnings ratio.
CFG's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.60.
CFG is valuated reasonably with a Price/Forward Earnings ratio of 11.68.
Based on the Price/Forward Earnings ratio, CFG is valued a bit more expensive than the industry average as 60.72% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 23.23. CFG is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.64 | ||
| Fwd PE | 11.68 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CFG is valued a bit cheaper than the industry average as 69.51% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.37 | ||
| 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 27.12% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.59
PEG (5Y)N/A
EPS Next 2Y29.53%
EPS Next 3Y27.12%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.15%, CFG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.78, CFG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, CFG pays a better dividend.
| 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
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 2Y29.53%
EPS Next 3Y27.12%
59.39
+0.98 (+1.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners98.15%
Inst Owner Change0%
Ins Owners0.61%
Ins Owner Change0.84%
Market Cap25.51B
Revenue(TTM)8.08B
Net Income(TTM)1.57B
Analysts82.96
Price Target64.29 (8.25%)
Short Float %3.36%
Short Ratio3.26
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-DateN/A
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)1.94%
PT rev (3m)8.66%
EPS NQ rev (1m)-0.05%
EPS NQ rev (3m)0.54%
EPS NY rev (1m)-0.12%
EPS NY rev (3m)0.61%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)0.79%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)0.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.64 | ||
| Fwd PE | 11.68 | ||
| P/S | 3.16 | ||
| P/FCF | 9.37 | ||
| P/OCF | 8.94 | ||
| P/B | 0.99 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.57
EY6.01%
EPS(NY)5.08
Fwd EY8.56%
FCF(TTM)6.34
FCFY10.67%
OCF(TTM)6.64
OCFY11.18%
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
WACC14.87%
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 Y28.18%
EPS Next 2Y29.53%
EPS Next 3Y27.12%
EPS Next 5Y8.25%
Revenue 1Y (TTM)3.39%
Revenue growth 3Y5.52%
Revenue growth 5Y3.77%
Sales Q2Q%1.32%
Revenue Next Year5.9%
Revenue Next 2Y7.08%
Revenue Next 3Y6.53%
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.
What is the valuation status of CITIZENS FINANCIAL GROUP (CFG) stock?
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.
Can you provide the expected EPS growth for CFG stock?
The Earnings per Share (EPS) of CITIZENS FINANCIAL GROUP (CFG) is expected to grow by 28.18% in the next year.
How sustainable is the dividend of CITIZENS FINANCIAL GROUP (CFG) stock?
The dividend rating of CITIZENS FINANCIAL GROUP (CFG) is 7 / 10 and the dividend payout ratio is 56.26%.