CFG Citizens Financial Group
$63.16
▼ 0.4%Updated Oct 16, 2:25 PM ET
Report Card
CFG at a glance — five pillars scored 0–100 from real filed financials.
How the 0–100 rating is calculatedOverall: Strong · 82/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
Price — Past Year
▲ Up 62.3% in the year to Jul 6, 2026
Key Metrics
Market Cap
$30.02B
P/E
13.5x
Forward P/E (est.)
10.24x
ROE
7.6%
Revenue Growth
62.7%
EPS Growth
31.9%
Profit Margin
24.6%
FCF Yield
7.4%
Debt / Equity
0.35x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
2.8%
Implied Growth (rev. DCF)
—
Rating Score
82/100
Business Overview
Citizens Financial Group (CFG) is a large-cap company in the Regional Banks industry, part of the Financials sector of the S&P 500, with a market value around $30.02B.
In its latest reported year it generated about $8.25B in revenue and $1.83B in net profit.
Our model rates CFG Strong (82/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical Analysis (Educational)
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what CFG's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. CFG trades near $63.16, around its 50-day average ($64.97) and 200-day average ($59.55). Price tangled in its moving averages means there is no clear trend — the stock is ranging.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 72 it is overbought — the recent rally is stretched and can cool off.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. CFG's is $1.50 (~2.4% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. In the month to Jul 6, 2026, CFG found buyers near $62.16 (support) and sellers near $72.46 (resistance); its 52-week range then was $45.90–$72.46. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.1× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. The indicators were last computed on Jul 6, 2026; the price is current.
Revenue Growth
4Y CAGR
5.5%
Revenue moved from $5.25B in 2016 to $8.25B in 2025, a 5.1% compound annual growth rate. The most recent year grew a strong 62.7% year over year. Consistent top-line growth is one sign of healthy demand.
Profitability
Gross Margin
—
Operating Margin
31.4%
Net Margin
22.2%
ROE
7.6%
Citizens Financial Group keeps about 24.6% of each sales dollar as net profit. Return on equity is 7.6%. Margins this wide usually signal pricing power or a cost advantage.
Debt Analysis
Total Debt
$15.19B
Net Debt
$11.12B
Net Debt / EBITDA
—
Debt / Equity
0.35x
Leverage: debt-to-equity is 0.4x. That is a conservative balance sheet — a cushion in downturns. It carries roughly $15.19B of total debt against $4.07B of cash.
Cash Flow Analysis
Operating CF
$2.21B
Free Cash Flow
$2.21B
FCF Margin
26.8%
In the latest year Citizens Financial Group produced about $2.21B of operating cash flow and $2.21B of free cash flow after capital spending. That is a free-cash-flow yield of about 7.4% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
Dividend Safety
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
What to look for in a dividend stockThe payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Dividend yield
2.8%
Per share (latest FY)
$1.72
Total paid (latest FY)
$755.00M
History on record
10 years
dividend uses 34% of free cash flow
41% of net income paid out
no current raise streak
no cuts in the last 10 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
Valuation Analysis
P/E
13.5x
P/S
1.56x
P/B
0.89x
EV / EBITDA
—
CFG trades at 13.5x trailing earnings (about 10.2x on estimated forward earnings), 1.6x sales, and 0.9x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Metrics vs. Sector Range
Where CFG sits versus the Financials companies we cover.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in our coverage that have fundamentals data — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
Sector Peer Comparison
How CFG stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
Among the 141 rated Financials companies we cover, CFG ranks #8 by our overall rating. It trades at roughly in line versus the sector on earnings (13.5x P/E vs. 14.9x median) with a lower return on equity (7.6% vs. 13.6%) and faster revenue growth (62.7% vs. 15.9%).
P/E vs sector
13.5x
median 14.9x
ROE vs sector
7.6%
median 13.6%
Growth vs sector
62.7%
median 15.9%
Sector rank
#8
of 141 rated
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size, preferring ones with full data. Sector medians and rank use the 141 rated companies among the 289 Financials stocks we cover. Educational, not a recommendation.
5-Year Projection Model
Project revenue → earnings → price. Edit the assumptions to build your own case.
What drives this projection, and its limits2030 scenario price range (Base Case)
$195.77 – $342.59
vs. $63.16 today · implied CAGR 25% – 40%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $11.96B | $17.34B | $25.14B | $36.46B | $52.86B |
| Net income | $2.63B | $3.81B | $5.53B | $8.02B | $11.63B |
| EPS | $5.54 | $8.03 | $11.64 | $16.88 | $24.47 |
| Share price (low) | $44.29 | $64.21 | $93.11 | $135.01 | $195.77 |
| Share price (high) | $77.50 | $112.37 | $162.94 | $236.27 | $342.59 |
| CAGR (low–high) | -30% / 23% | 1% / 33% | 14% / 37% | 21% / 39% | 25% / 40% |
Educational scenario model, not a forecast or investment advice. It starts from the latest annual revenue in SEC filings. By default, growth is trailing revenue growth (held between 3% and 45% a year), the net margin is the latest one (held between 3% and 50%, so a loss-making company is modeled with a small profit), and the Base case P/E runs from 60% to 100% of today's. Carrying recent growth forward five years can miss badly in either direction. Outputs are only as good as the assumptions.
Bull Case
The case for CFG:
- Revenue is growing 62.7% a year, a sign of real demand.
- High net margins (24.6%) point to pricing power or efficiency.
- Healthy free-cash-flow yield (~7.4%) funds buybacks and dividends.
- A conservative balance sheet (debt/equity 0.4x) lowers risk.
- Pays a 2.8% dividend on top of any price gains.
- Our model's overall read is Strong (82/100).
Bear Case
The case against CFG:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Key Risks
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
Investment Thesis
On balance, the fundamentals screen favourably: Citizens Financial Group is a large-cap financials business still growing nicely, with solid profitability, and a sound balance sheet. It trades at 13.5x earnings, which our model scores Strong (82/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 23 Wall Street analysts covering CFG recommend (September 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-8 pts of buy ratings).
Latest SEC Filings
CFG's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen. How to read a 10-K
In the Idea Lab
CFG — frequently asked questions
Is CFG a good stock to buy?
We don't give buy or sell advice. Our model rates Citizens Financial Group Strong (82/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is CFG's rating on The Stocks School?
Citizens Financial Group currently scores 82/100 (Strong) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does CFG's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Citizens Financial Group's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for CFG calculated?
It's a scenario model. It starts from the latest annual revenue and net margin in SEC filings, grows revenue at an assumed rate (trailing revenue growth by default), and applies a P/E range built around today's multiple to show the resulting share-price range. When a stock has no growth or P/E data, the starting values are placeholders. It's a tool for thinking, not a prediction.
Is this CFG analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell CFG. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.