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Citizens Financial Group, Inc.
CFG: NYSELowest reading is at 17 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Bruce Winfield Van Saun
Market Cap
26.51 Billion USD
Sector
Financial Services
Website
https://www.citizensbank.comLast Update
04/11/2026, 12:05:13
Description
Citizens Financial Group, Inc.
Read More
Strongest readings
- ✔Debt is low at 0.43 times equity
- ✔Dividend cover is strong (dividend score 71 out of 100)
- ✔Financial health is strong (health score 68 out of 100)
- ✔Price-to-earnings of 12.6 is below the market average of 19.6
Weakest readings
- ✘Revenue is growing at 6.65% per year while free cashflow is falling
- ✘Earnings and cashflow growth is weak (growth score 17 out of 100)
- ✘The current price sits above estimated fair value (margin of safety -6.75%)
- ✘Share count has been rising at 0.28% per year
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 12.65x | 19.60x | |
| ✘ | Margin of safety (DCF) | -6.75% | 17.95% | |
| ✘ | Revenue growth (5y average) | 6.65% | 10.97% | |
| ✔ | Dividend yield (TTM) | 2.94% | 1.85% | |
| ✘ | Share count, per year | 0.28% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
76 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 12.65x | 19.60x | |
| ✘ | Free cashflow yield | 4.05% | 4.70% | |
| ✔ | Price / earnings growth | 0.45x | 1.50x | |
| Price / book | 1.07x | — | ||
| ✘ | Margin of safety | -6.75% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 60.02 USD is below the current price of 63.24 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 138.1 USD ✔
Current Price: 64.4 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 fair value 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 for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
17 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 6.65% | 10.97% | |
| ✘ | Earnings growth | -2.87% | 14.48% | |
| ✘ | Cashflow growth | -10.87% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Revenue growth has improved this year (10.13% against a five year average of 6.65%)
- ✔Earnings growth has improved this year (39.05% against a five year average of -2.87%)
- ✘Free cashflow growth has slowed this year
- ✘Revenue is growing at 6.65% per year while free cashflow is falling at 10.87% per year
Health
68 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality, Asset quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.43x | 0.80x | |
| ✔ | Debt / total capital | 0.30x | 1.00x | |
| Equity / assets | 11.63% | — | ||
| Loans / deposits | 0.78x | — | ||
| Net interest margin | 2.59% | — | ||
| Loan-loss cover | 1.36% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
71 / 100Covered by both earnings and cashflow.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 2.94% | 1.85% | |
| ✘ | Dividend growth | -1.82% | 0.00% | |
| ✔ | Payout ratio (earnings) | 34.96% | 40.00% | |
| ✘ | Payout ratio (cashflow) | 72.55% | 65.00% | |
| ✔ | Worst year, last 5 years | 0.03% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Dividend growth has been slowing recently
Management
49 / 100Returns on capital are below the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 6.96% | 15.00% | |
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 0.81% | — | ||
| Free cashflow return on capital | 0.90% | — | ||
| Return on capital, 5y change | N/A | 0.00% | ||
| ✘ | Share count, per year | 0.28% | 0.00% | |
| ✔ | Share count, recent | -3.23% | 0.00% | |
| ✘ | Realized buyback return | -15.88% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 33.59% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘New shares were issued while the value score was 76 out of 100
- ✘Dividends were raised while earnings fell (dividend 0.95% per year, earnings -2.87% per year)
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
CFG
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.
See 35+ Years Annual ReportsOther Information
Company Name
Citizens Financial Group, Inc.
Currency
USD
Beta
1.062
Vol Avg
3887590
Ceo
Mr. Bruce Winfield Van Saun
Cik
0000759944
Cusip
Exchange
NYSE
Full Time Employees
17609
Industry
Banks - Regional
Sector
Financial Services
Ipo Date
Address
One Citizens Plaza
City
Providence
State
RI
Country
United States
Zip
02903
Phone
203 900 6715
Analysis Last Updated
04/11/2026, 12:05:13
Financial data compiled from SEC EDGAR filings and Yahoo Finance.