Overview Dividends

(CFG) Citizens Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US1746101054

Deposit Products, Mortgage Loans, Credit Cards, Treasury Services, Corporate Finance

CFG EPS (Earnings per Share)

EPS Growth (3Y CAGR): -7.98%
EPS Trend (3Y Correlation): -50.7%

CFG Revenue

Revenue Growth (3Y CAGR): -9.51%
Revenue Trend (3Y Correlation): -36.8%

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.

CFG Stock Overview

Market Cap in USD	22,397m
Sub-Industry	Regional Banks
IPO / Inception	2014-09-24

CFG Stock Ratings

Growth Rating	50.5%
Fundamental	36.3%
Dividend Rating	59.2%
Return 12m vs S&P 500	6.38%
Analyst Rating	4.10 of 5

CFG Dividends

Dividend Yield 12m	3.34%
Yield on Cost 5y	6.58%
Annual Growth 5y	1.87%
Payout Consistency	99.1%
Payout Ratio	39.3%

CFG Growth Ratios

Growth Correlation 3m	26.1%
Growth Correlation 12m	53.9%
Growth Correlation 5y	26.6%
CAGR 5y	14.31%
CAGR/Max DD 3y (Calmar Ratio)	0.30
CAGR/Mean DD 3y (Pain Ratio)	0.87
Sharpe Ratio 12m	1.17
Alpha	5.35
Beta	1.143
Volatility	29.57%
Current Volume	2523.9k
Average Volume 20d	4075.1k
Stop Loss	49.8 (-3.2%)
Signal	0.32

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (1.70b TTM) > 0 and > 6% of Revenue (6% = 662.8m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -0.82pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1194 % (prev -1064 %; Δ -130.3pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 1.29b <= Net Income 1.70b (YES >=105%, WARN >=100%)

Net Debt (10.65b) to EBITDA (2.73b) ratio: 3.91 <= 3.0 (WARN <= 3.5)

Current Ratio 0.25 (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 0.72 (EBITDA TTM 2.73b / Interest Expense TTM 2.98b) >= 6 (WARN >= 3)

Altman Z'' -3.61

(A) -0.59 = (Total Current Assets 44.88b - Total Current Liabilities 176.76b) / Total Assets 222.75b

(B) 0.05 = Retained Earnings (Balance) 11.06b / Total Assets 222.75b

(D) 0.04 = Book Value of Equity 8.80b / Total Liabilities 196.92b

Total Rating: -3.61 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 36.29

1. Piotroski 4.0pt = -1.0

2. FCF Yield -10.72% = -5.0

3. FCF Margin 10.47% = 2.62

4. Debt/Equity 0.41 = 2.42

5. Debt/Ebitda 3.91 = -2.49

6. ROIC - WACC (= -4.42)% = -5.52

7. RoE 6.80% = 0.57

8. Rev. Trend -36.85% = -2.76

9. EPS Trend -50.73% = -2.54

What is the price of CFG shares?

As of November 06, 2025, the stock is trading at USD 51.44 with a total of 2,523,903 shares traded.
Over the past week, the price has changed by +2.00%, over one month by -3.88%, over three months by +9.74% and over the past year by +26.51%.

Is Citizens Financial a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Citizens Financial (NYSE:CFG) is currently (November 2025) a stock to sell. It has a ValueRay Fundamental Rating of 36.29 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CFG is around 50.09 USD . This means that CFG is currently overvalued and has a potential downside of -2.62%.

Is CFG a buy, sell or hold?

Citizens Financial has received a consensus analysts rating of 4.10. Therefore, it is recommended to buy CFG.

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	20.1%
Analysts Target Price	61.8	20.1%
ValueRay Target Price	56.2	9.3%

CFG Fundamental Data Overview October 29, 2025

Market Cap USD = 22.40b (22.40b USD * 1.0 USD.USD)
P/E Trailing = 14.5406
P/E Forward = 10.5485
P/S = 3.0091
P/B = 0.9884
P/EG = 0.2626
Beta = 1.143
Revenue TTM = 11.05b USD
EBIT TTM = 2.16b USD
EBITDA TTM = 2.73b USD
Long Term Debt = 10.41b USD (from longTermDebt, last fiscal year)
Short Term Debt = 214.0m USD (from shortTermDebt, last quarter)
Debt = 10.65b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 10.65b USD (from netDebt column, last quarter)
Enterprise Value = -10.80b USD (22.40b + Debt 10.65b - CCE 43.85b)
Interest Coverage Ratio = 0.72 (Ebit TTM 2.16b / Interest Expense TTM 2.98b)
FCF Yield = -10.72% (FCF TTM 1.16b / Enterprise Value -10.80b)
FCF Margin = 10.47% (FCF TTM 1.16b / 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 = -0.05 (set to none) (Enterprise Value -10.80b / 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 = 0.25 (Total Current Assets 44.88b / Total Current Liabilities 176.76b)
Debt / Equity = 0.41 (Debt 10.65b / totalStockholderEquity, last quarter 25.83b)
Debt / EBITDA = 3.91 (Net Debt 10.65b / EBITDA 2.73b)
Debt / FCF = 9.21 (Net Debt 10.65b / FCF TTM 1.16b)
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 = 6.09% (EBIT 2.16b / Capital Employed (Equity 25.05b + L.T.Debt 10.41b))
RoIC = 4.82% (NOPAT 1.70b / Invested Capital 35.17b)
WACC = 9.24% (E(22.40b)/V(33.05b) * Re(10.23%) + D(10.65b)/V(33.05b) * Rd(9.10%) * (1-Tc(0.21)))
Discount Rate = 10.23% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.55%
[DCF Debug] Terminal Value 64.12% ; FCFE base≈1.88b ; Y1≈1.38b ; Y5≈787.2m
Fair Price DCF = 24.91 (DCF Value 10.75b / Shares Outstanding 431.5m; 5y FCF grow -31.39% → 3.0% )
EPS Correlation: -50.73 | EPS CAGR: -7.98% | SUE: 1.04 | # QB: 2
Revenue Correlation: -36.85 | Revenue CAGR: -9.51% | SUE: 0.01 | # QB: 0

Additional Sources for CFG Stock

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