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CITIZENS FINANCIAL GROUP (CFG) Stock Fundamental Analysis

NYSE:CFG - New York Stock Exchange, Inc. - US1746101054 - Common Stock - Currency: USD

44.88  -1.3 (-2.82%)

After market: 44.86 -0.02 (-0.04%)

Fundamental Rating

3

Overall CFG gets a fundamental rating of 3 out of 10. We evaluated CFG against 404 industry peers in the Banks industry. CFG may be in some trouble as it scores bad on both profitability and health. CFG is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CFG had positive earnings in the past year.
CFG had a positive operating cash flow in the past year.
CFG had positive earnings in each of the past 5 years.
CFG had a positive operating cash flow in 4 of the past 5 years.
CFG Yearly Net Income VS EBIT VS OCF VS FCFCFG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B

1.2 Ratios

With a Return On Assets value of 0.53%, CFG is not doing good in the industry: 70.35% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 4.67%, CFG is doing worse than 76.13% of the companies in the same industry.
Industry RankSector Rank
ROA 0.53%
ROE 4.67%
ROIC N/A
ROA(3y)0.72%
ROA(5y)0.77%
ROE(3y)6.69%
ROE(5y)6.73%
ROIC(3y)N/A
ROIC(5y)N/A
CFG Yearly ROA, ROE, ROICCFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

With a Profit Margin value of 14.90%, CFG is not doing good in the industry: 75.13% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of CFG has declined.
The Operating Margin and Gross Margin are not available for CFG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 14.9%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.1%
PM growth 5Y-7.87%
GM growth 3YN/A
GM growth 5YN/A
CFG Yearly Profit, Operating, Gross MarginsCFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

CFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CFG has been reduced compared to 1 year ago.
The number of shares outstanding for CFG has been increased compared to 5 years ago.
The debt/assets ratio for CFG is higher compared to a year ago.
CFG Yearly Shares OutstandingCFG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
CFG Yearly Total Debt VS Total AssetsCFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

2.2 Solvency

The Debt to FCF ratio of CFG is 6.49, which is on the high side as it means it would take CFG, 6.49 years of fcf income to pay off all of its debts.
CFG has a Debt to FCF ratio of 6.49. This is in the lower half of the industry: CFG underperforms 67.59% of its industry peers.
CFG has a Debt/Equity ratio of 0.54. This is a neutral value indicating CFG is somewhat dependend on debt financing.
The Debt to Equity ratio of CFG (0.54) is worse than 77.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.54
Debt/FCF 6.49
Altman-Z N/A
ROIC/WACCN/A
WACC13.64%
CFG Yearly LT Debt VS Equity VS FCFCFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CFG Yearly Current Assets VS Current LiabilitesCFG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B

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3

3. Growth

3.1 Past

The earnings per share for CFG have decreased by -2.57% in the last year.
CFG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.53% yearly.
The Revenue has decreased by -5.05% in the past year.
Measured over the past years, CFG shows a small growth in Revenue. The Revenue has been growing by 3.77% on average per year.
EPS 1Y (TTM)-2.57%
EPS 3Y-16.26%
EPS 5Y-4.53%
EPS Q2Q%144.12%
Revenue 1Y (TTM)-5.05%
Revenue growth 3Y5.52%
Revenue growth 5Y3.77%
Sales Q2Q%-0.1%

3.2 Future

The Earnings Per Share is expected to grow by 8.25% on average over the next years. This is quite good.
CFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.05% yearly.
EPS Next Y28.47%
EPS Next 2Y28.59%
EPS Next 3Y27.83%
EPS Next 5Y8.25%
Revenue Next Year5.19%
Revenue Next 2Y6.79%
Revenue Next 3Y6.97%
Revenue Next 5Y4.05%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
CFG Yearly Revenue VS EstimatesCFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2B 4B 6B 8B
CFG Yearly EPS VS EstimatesCFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.81, which indicates a correct valuation of CFG.
CFG's Price/Earnings ratio is a bit more expensive when compared to the industry. CFG is more expensive than 64.57% of the companies in the same industry.
CFG is valuated cheaply when we compare the Price/Earnings ratio to 29.63, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 11.53, the valuation of CFG can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as CFG.
When comparing the Price/Forward Earnings ratio of CFG to the average of the S&P500 Index (22.68), we can say CFG is valued slightly cheaper.
Industry RankSector Rank
PE 14.81
Fwd PE 11.53
CFG Price Earnings VS Forward Price EarningsCFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CFG is valued a bit cheaper than 72.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.57
EV/EBITDA N/A
CFG Per share dataCFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CFG's earnings are expected to grow with 27.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)N/A
EPS Next 2Y28.59%
EPS Next 3Y27.83%

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6

5. Dividend

5.1 Amount

CFG has a Yearly Dividend Yield of 3.65%. Purely for dividend investing, there may be better candidates out there.
CFG's Dividend Yield is a higher than the industry average which is at 3.15.
CFG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.29.
Industry RankSector Rank
Dividend Yield 3.65%

5.2 History

The dividend of CFG is nicely growing with an annual growth rate of 13.82%!
CFG has been paying a dividend for at least 10 years, so it has a reliable track record.
CFG has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)13.82%
Div Incr Years2
Div Non Decr Years10
CFG Yearly Dividends per shareCFG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

77.92% of the earnings are spent on dividend by CFG. This is not a sustainable payout ratio.
The dividend of CFG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP77.92%
EPS Next 2Y28.59%
EPS Next 3Y27.83%
CFG Yearly Income VS Free CF VS DividendCFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 0 0 0 0 0 0 0 0 0 0
CFG Dividend Payout.CFG Dividend Payout, showing the Payout Ratio.CFG Dividend Payout.PayoutRetained Earnings

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CITIZENS FINANCIAL GROUP

NYSE:CFG (2/21/2025, 8:07:32 PM)

After market: 44.86 -0.02 (-0.04%)

44.88

-1.3 (-2.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-17 2025-01-17/bmo
Earnings (Next)04-16 2025-04-16/bmo
Inst Owners94.26%
Inst Owner Change0.16%
Ins Owners0.61%
Ins Owner Change3.14%
Market Cap19.77B
Analysts75.38
Price Target53.64 (19.52%)
Short Float %2.22%
Short Ratio2.53
Dividend
Industry RankSector Rank
Dividend Yield 3.65%
Yearly Dividend1.94
Dividend Growth(5Y)13.82%
DP77.92%
Div Incr Years2
Div Non Decr Years10
Ex-Date01-31 2025-01-31 (0.42)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.72%
Min EPS beat(2)-3.78%
Max EPS beat(2)-1.66%
EPS beat(4)0
Avg EPS beat(4)-17.76%
Min EPS beat(4)-52.89%
Max EPS beat(4)-1.66%
EPS beat(8)0
Avg EPS beat(8)-13.18%
EPS beat(12)2
Avg EPS beat(12)-10.31%
EPS beat(16)6
Avg EPS beat(16)-2.95%
Revenue beat(2)0
Avg Revenue beat(2)-1.51%
Min Revenue beat(2)-2.86%
Max Revenue beat(2)-0.15%
Revenue beat(4)0
Avg Revenue beat(4)-1.35%
Min Revenue beat(4)-2.86%
Max Revenue beat(4)-0.15%
Revenue beat(8)0
Avg Revenue beat(8)-1.56%
Revenue beat(12)2
Avg Revenue beat(12)-0.83%
Revenue beat(16)3
Avg Revenue beat(16)-0.81%
PT rev (1m)4.17%
PT rev (3m)12.67%
EPS NQ rev (1m)0.11%
EPS NQ rev (3m)0.1%
EPS NY rev (1m)-0.2%
EPS NY rev (3m)-0.42%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.45%
Revenue NY rev (3m)0.27%
Valuation
Industry RankSector Rank
PE 14.81
Fwd PE 11.53
P/S 2.53
P/FCF 9.57
P/OCF 9.04
P/B 0.79
P/tB 1.19
EV/EBITDA N/A
EPS(TTM)3.03
EY6.75%
EPS(NY)3.89
Fwd EY8.67%
FCF(TTM)4.69
FCFY10.45%
OCF(TTM)4.97
OCFY11.07%
SpS17.73
BVpS56.59
TBVpS37.7
PEG (NY)0.52
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.53%
ROE 4.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.9%
GM N/A
FCFM 26.45%
ROA(3y)0.72%
ROA(5y)0.77%
ROE(3y)6.69%
ROE(5y)6.73%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.1%
PM growth 5Y-7.87%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.54
Debt/FCF 6.49
Debt/EBITDA N/A
Cap/Depr 24.4%
Cap/Sales 1.56%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 177.49%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.64%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-2.57%
EPS 3Y-16.26%
EPS 5Y-4.53%
EPS Q2Q%144.12%
EPS Next Y28.47%
EPS Next 2Y28.59%
EPS Next 3Y27.83%
EPS Next 5Y8.25%
Revenue 1Y (TTM)-5.05%
Revenue growth 3Y5.52%
Revenue growth 5Y3.77%
Sales Q2Q%-0.1%
Revenue Next Year5.19%
Revenue Next 2Y6.79%
Revenue Next 3Y6.97%
Revenue Next 5Y4.05%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year18.19%
EBIT Next 3Y16.22%
EBIT Next 5YN/A
FCF growth 1Y-42.98%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-41.37%
OCF growth 3YN/A
OCF growth 5YN/A