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About The Company
CEO
Mr. Bruce Winfield Van Saun
Market Cap
15.08 Billion USD
Sector
Financial Services
Website
https://www.citizensbank.comLast Update
2/22/2024, 12:00:00 PM
Description
Citizens Financial Group, Inc.
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Overview
Value
91
Growth
35
Health
57
Management
49
Analyst Opinion
74
Total
61
All Scores Out Of 100
Best Features
- Has a low level of debt
- Has a history of share buybacks
- Price-to-earnings ratio of 10.0 is lower than the market average (19.6x)
- Has a margin-of-safety above fair value
- Liked by analysts
- Has strong dividend growth
Risk Factors
- Earnings have declined recently
- Altman-Z score suggests a risk of bankruptcy
- Disliked by Twitter users
- Poor earnings and cashflow growth
- Very undervalued
Market Peers
CFG
Key Figures
PE Ratio (TTM)
10.00
Margin Of Safety (DCF)
248.83%
Revenue Growth (5 Year Average)
6.88%
Ratings Consensus
Buy
Share Buybacks
1.07%
Dividend Yeild (TTM)
6.48%
Valuation
Value Score
91
- ✔ Price-to-earnings ratio of 10.0 is lower than the market average (19.6x)
- ✔ Free-cashflow-yeild of 19.48% is better than the market average (4.7%)
- ✔ Margin-of-safety of 248.83% is better than the market average (17.95%)
- ✔ Estimated intrinsic-value of 108.87 USD is higher than current price ( 32.90 USD)
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Buy Target: < 122.7 USD ✔
Current Price: 31.2 USD
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.
Price/Earnings
10.00x
Free Cashflow Yeild
19.48%
PE/Earnings Growth
N/A
Price/Book
0.59x
Growth
Growth Score
35
- ✘ 5 Year Average Revenue growth of 6.88% is lower than the market average (10.97%)
- ✘ Revenue growth has slowed this year
- ✘ 5 Year Average Earnings growth of 8.25% is lower than the market average (14.48%)
- ✘ Earnings growth has slowed this year
- ✘ 5 Year Average Free Cashflow growth of 1.91% is lower than the market average (12.35%)
- ✘ Free Cashflow growth has slowed this year
Revenue Growth
6.88%
Earnings Growth
8.25%
Cashflow Growth
1.91%
Health
Health Score
57
Altman Z Score
0.42
Piostroski Score
8.00
Debt/Equity
0.67x
Current Assets/Liabilities
105.33x
Free Cashflow/Total Debt
0.00x
Debt/Capital
50.28x
Dividend
Secure Dividend Score
60
- ✔ Dividend yeild of 6.48% is more than the market average (1.85%)
- ✔ Dividend is likely safe
- ✔ Long term dividend payout ratio of 38.47% is considered good
- ✔ Dividends have shown growth over the last 5 years
- ✘ Payout ratio (TTM) of 57.71% is higher than the average (40%)
- ✘ Dividend growth has been slowing recently
- ✘ Spending a higher percentage of their income on dividends than last 5 years
Dividend Yeild
6.48%
Dividend Growth
-0.51%
Payout Ratio (Earnings)
57.71%
Payout Ratio (Cashflow)
33.27%
Management
Management Score
49
- ✔ Has repurchased shares when value is good
- ✔ Has a history of returning value to shareholders through stock buybacks
- ✔ Has returned higher dividends when earnings have risen
- ✘ Return-on-capital-employed of 2.13% is lower than the market average (10%)
- ✘ Return-on-equity of 7.98% is lower than the market average (15%)
Average Buybacks/Dilution
1.07%
Recent Buybacks/Dilution
-3.61%
5 Year Price Volitility
19.87%
Return On Assets
0.83%
Return On Capital Employed
2.13%
Return On Equity
7.98%
Return On Free Cashflow
N/A
Return On Investments
3.27%
Analysts
Analyst Opinion
74
- ✔ Ratings consensus is Buy
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
Other Information
Company Name
Citizens Financial Group, Inc.
Currency
USD
Beta
1.286543
Vol Avg
8406590
Ceo
Mr. Bruce Winfield Van Saun
Cik
0000759944
Cusip
174610105
Exchange
New York Stock Exchange
Full Time Employees
18547
Industry
Banks—Regional
Sector
Financial Services
Ipo Date
2014-09-24
Address
One Citizens Plaza
City
Providence
State
RI
Country
US
Zip
02903
Phone
203 900 6715
Analysis Last Updated
2/22/2024, 12:00:00 PM
All financial data provided by FMP
Social Sentiment
Social Sentiment Score
0
Twitter Sentiment
N/A
Stocktwits Sentiment
N/A