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CITIZENS FINANCIAL GROUP (CFG) Stock Fundamental Analysis

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

48.31  +0.77 (+1.62%)

After market: 48.5 +0.19 (+0.39%)

Fundamental Rating

3

Taking everything into account, CFG scores 3 out of 10 in our fundamental rating. CFG was compared to 405 industry peers in the Banks industry. CFG has a bad profitability rating. Also its financial health evaluation is rather negative. CFG has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CFG had positive earnings in the past year.
In the past year CFG had a positive cash flow from operations.
Each year in the past 5 years CFG has been profitable.
Of the past 5 years CFG 4 years had a positive operating cash flow.
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

CFG's Return On Assets of 0.53% is on the low side compared to the rest of the industry. CFG is outperformed by 69.85% of its industry peers.
CFG has a Return On Equity of 4.67%. This is in the lower half of the industry: CFG underperforms 75.63% of its industry peers.
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

Looking at the Profit Margin, with a value of 14.90%, CFG is doing worse than 73.62% of the companies in the same industry.
CFG's Profit Margin has declined in the last couple of years.
CFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
Compared to 5 years ago, CFG has more shares outstanding
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.
The Debt to FCF ratio of CFG (6.49) is worse than 68.09% 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 77.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.54
Debt/FCF 6.49
Altman-Z N/A
ROIC/WACCN/A
WACC13.68%
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

CFG shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.93%.
Measured over the past years, CFG shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.40% on average per year.
The Revenue has decreased by -5.05% in the past year.
CFG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.77% yearly.
EPS 1Y (TTM)-1.93%
EPS 3Y-16.08%
EPS 5Y-4.4%
EPS Q2Q%150%
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 8.11% on average over the next years. This is quite good.
Based on estimates for the next years, CFG will show a small growth in Revenue. The Revenue will grow by 4.05% on average per year.
EPS Next Y27.88%
EPS Next 2Y27.05%
EPS Next 3Y30.43%
EPS Next 5Y8.11%
Revenue Next Year5.03%
Revenue Next 2Y6.51%
Revenue Next 3Y6.33%
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

CFG is valuated correctly with a Price/Earnings ratio of 15.84.
Based on the Price/Earnings ratio, CFG is valued a bit more expensive than 67.34% of the companies in the same industry.
When comparing the Price/Earnings ratio of CFG to the average of the S&P500 Index (28.29), we can say CFG is valued slightly cheaper.
The Price/Forward Earnings ratio is 12.39, which indicates a correct valuation of CFG.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CFG is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.44, CFG is valued a bit cheaper.
Industry RankSector Rank
PE 15.84
Fwd PE 12.39
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 the industry average as 67.59% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.31
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

CFG's 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 30.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.57
PEG (5Y)N/A
EPS Next 2Y27.05%
EPS Next 3Y30.43%

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6

5. Dividend

5.1 Amount

CFG has a Yearly Dividend Yield of 3.53%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.22, CFG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.28, CFG pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.53%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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

CFG pays out 77.92% of its income as dividend. 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 2Y27.05%
EPS Next 3Y30.43%
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 (1/21/2025, 8:04:00 PM)

After market: 48.5 +0.19 (+0.39%)

48.31

+0.77 (+1.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-17 2025-01-17/bmo
Earnings (Next)N/A N/A
Inst Owners94.26%
Inst Owner Change0.03%
Ins Owners0.61%
Ins Owner Change-0.2%
Market Cap21.29B
Analysts76.92
Price Target51.49 (6.58%)
Short Float %2.06%
Short Ratio2.3
Dividend
Industry RankSector Rank
Dividend Yield 3.53%
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)3.83%
PT rev (3m)12.37%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.85%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.62%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.83%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.84%
Valuation
Industry RankSector Rank
PE 15.84
Fwd PE 12.39
P/S 2.73
P/FCF 10.31
P/OCF 9.73
P/B 0.85
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)3.05
EY6.31%
EPS(NY)3.9
Fwd EY8.07%
FCF(TTM)4.69
FCFY9.7%
OCF(TTM)4.96
OCFY10.28%
SpS17.72
BVpS56.57
TBVpS37.69
PEG (NY)0.57
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
WACC13.68%
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)-1.93%
EPS 3Y-16.08%
EPS 5Y-4.4%
EPS Q2Q%150%
EPS Next Y27.88%
EPS Next 2Y27.05%
EPS Next 3Y30.43%
EPS Next 5Y8.11%
Revenue 1Y (TTM)-5.05%
Revenue growth 3Y5.52%
Revenue growth 5Y3.77%
Sales Q2Q%-0.1%
Revenue Next Year5.03%
Revenue Next 2Y6.51%
Revenue Next 3Y6.33%
Revenue Next 5Y4.05%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year21.7%
EBIT Next 3YN/A
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