(CFG) Citizens Financial - Ratings and Ratios
Deposits, Loans, Credit Cards, Treasury, Wealth
Dividends
| Dividend Yield | 2.94% |
| Yield on Cost 5y | 6.15% |
| Yield CAGR 5y | 1.87% |
| Payout Consistency | 99.1% |
| Payout Ratio | 47.9% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 33.6% |
| Value at Risk 5%th | 51.5% |
| Relative Tail Risk | -6.84% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.90 |
| Alpha | 12.10 |
| CAGR/Max DD | 0.42 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.498 |
| Beta | 1.240 |
| Beta Downside | 1.602 |
| Drawdowns 3y | |
|---|---|
| Max DD | 47.11% |
| Mean DD | 16.23% |
| Median DD | 13.75% |
Description: CFG Citizens Financial October 16, 2025
Citizens Financial Group, Inc. (NYSE: CFG) is a U.S. bank holding company that serves individuals, small-business owners, middle-market firms, large corporations, and institutional clients through two primary segments: Consumer Banking and Commercial Banking. The Consumer Banking segment provides deposits, mortgages, home-equity loans, credit cards, business loans, wealth-management and digital banking services, while the Commercial Banking segment offers lending, leasing, treasury management, foreign-exchange, risk-management, syndicated loans, and capital-markets advisory to a diversified set of industries including real-estate, healthcare, and hospitality.
As of Q3 2024, CFG reported a loan portfolio of roughly $85 billion and deposits of about $140 billion, with a net interest margin of 3.0% and a Common Equity Tier 1 ratio of 13.2%, indicating solid capital strength. The bank’s earnings are closely tied to the Federal Reserve’s interest-rate policy; a higher rate environment typically expands NIM but can pressure loan demand, especially in mortgage and commercial real-estate segments. Additionally, CFG’s digital adoption rate has risen to 45% of total deposits, reflecting broader industry trends toward online banking channels.
For a deeper, data-driven assessment of CFG’s valuation and risk profile, you may find ValueRay’s analytical tools useful for extending this initial overview.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (1.70b TTM) > 0 and > 6% of Revenue (6% = 662.8m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.28pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1218 % (prev -1064 %; Δ -154.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 2.85b > Net Income 1.70b (YES >=105%, WARN >=100%) |
| Net Debt (-1.69b) to EBITDA (2.73b) ratio: -0.62 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.26 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (435.5m) change vs 12m ago -3.21% (target <= -2.0% for YES) |
| Gross Margin 67.29% (prev 56.90%; Δ 10.38pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.99% (prev 5.69%; Δ -0.70pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.55 (EBITDA TTM 2.73b / Interest Expense TTM 3.95b) >= 6 (WARN >= 3) |
Altman Z'' -3.69
| (A) -0.60 = (Total Current Assets 47.65b - Total Current Liabilities 182.22b) / Total Assets 222.75b |
| (B) 0.05 = Retained Earnings (Balance) 11.06b / Total Assets 222.75b |
| (C) 0.01 = EBIT TTM 2.16b / Avg Total Assets 221.23b |
| (D) 0.04 = Book Value of Equity 8.80b / Total Liabilities 196.92b |
| Total Rating: -3.69 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 51.39
| 1. Piotroski 5.0pt |
| 2. FCF Yield -20.83% |
| 3. FCF Margin 24.64% |
| 4. Debt/Equity 0.41 |
| 5. Debt/Ebitda -0.62 |
| 6. ROIC - WACC (= -4.67)% |
| 7. RoE 6.80% |
| 8. Rev. Trend 54.91% |
| 9. EPS Trend -70.55% |
What is the price of CFG shares?
Over the past week, the price has changed by +4.99%, over one month by +11.67%, over three months by +13.86% and over the past year by +30.82%.
Is CFG a buy, sell or hold?
- Strong Buy: 10
- Buy: 3
- Hold: 8
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the CFG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 61.8 | 5.8% |
| Analysts Target Price | 61.8 | 5.8% |
| ValueRay Target Price | 65.4 | 11.9% |
CFG Fundamental Data Overview December 09, 2025
P/E Trailing = 15.535
P/E Forward = 10.5485
P/S = 3.2141
P/B = 1.0043
P/EG = 0.2626
Beta = 1.106
Revenue TTM = 11.05b USD
EBIT TTM = 2.16b USD
EBITDA TTM = 2.73b USD
Long Term Debt = 8.45b USD (from longTermDebt, last quarter)
Short Term Debt = 2.20b USD (from shortTermDebt, last quarter)
Debt = 10.65b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.69b USD (from netDebt column, last quarter)
Enterprise Value = -13.07b USD (23.92b + Debt 10.65b - CCE 47.65b)
Interest Coverage Ratio = 0.55 (Ebit TTM 2.16b / Interest Expense TTM 3.95b)
FCF Yield = -20.83% (FCF TTM 2.72b / Enterprise Value -13.07b)
FCF Margin = 24.64% (FCF TTM 2.72b / Revenue TTM 11.05b)
Net Margin = 15.43% (Net Income TTM 1.70b / Revenue TTM 11.05b)
Gross Margin = 67.29% ((Revenue TTM 11.05b - Cost of Revenue TTM 3.61b) / Revenue TTM)
Gross Margin QoQ = 92.73% (prev 62.29%)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -13.07b / Total Assets 222.75b)
Interest Expense / Debt = 9.10% (Interest Expense 970.0m / Debt 10.65b)
Taxrate = 21.46% (135.0m / 629.0m)
NOPAT = 1.70b (EBIT 2.16b * (1 - 21.46%))
Current Ratio = 0.26 (Total Current Assets 47.65b / Total Current Liabilities 182.22b)
Debt / Equity = 0.41 (Debt 10.65b / totalStockholderEquity, last quarter 25.83b)
Debt / EBITDA = -0.62 (Net Debt -1.69b / EBITDA 2.73b)
Debt / FCF = -0.62 (Net Debt -1.69b / FCF TTM 2.72b)
Total Stockholder Equity = 25.05b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.76% (Net Income 1.70b / Total Assets 222.75b)
RoE = 6.80% (Net Income TTM 1.70b / Total Stockholder Equity 25.05b)
RoCE = 6.45% (EBIT 2.16b / Capital Employed (Equity 25.05b + L.T.Debt 8.45b))
RoIC = 4.85% (NOPAT 1.70b / Invested Capital 34.97b)
WACC = 9.52% (E(23.92b)/V(34.58b) * Re(10.58%) + D(10.65b)/V(34.58b) * Rd(9.10%) * (1-Tc(0.21)))
Discount Rate = 10.58% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.55%
[DCF Debug] Terminal Value 62.85% ; FCFE base≈2.46b ; Y1≈1.81b ; Y5≈1.03b
Fair Price DCF = 31.44 (DCF Value 13.50b / Shares Outstanding 429.5m; 5y FCF grow -31.39% → 3.0% )
EPS Correlation: -70.55 | EPS CAGR: -4.75% | SUE: 1.04 | # QB: 2
Revenue Correlation: 54.91 | Revenue CAGR: 4.48% | SUE: 0.01 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.07 | Chg30d=+0.000 | Revisions Net=+9 | Analysts=13
EPS next Year (2026-12-31): EPS=5.02 | Chg30d=+0.000 | Revisions Net=+6 | Growth EPS=+30.7% | Growth Revenue=+8.8%
Additional Sources for CFG Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle