CITIZENS FINANCIAL GROUP (CFG)
US1746101054 - Common Stock
Taking everything into account, CFG scores 3 out of 10 in our fundamental rating. CFG was compared to 404 industry peers in the Banks industry. CFG may be in some trouble as it scores bad on both profitability and health. CFG has a valuation in line with the averages, but it does not seem to be growing.
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.
In the past 5 years CFG has always been profitable.
CFG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.53%, CFG is not doing good in the industry: 71.57% of the companies in the same industry are doing better.
The Return On Equity of CFG (4.67%) is worse than 79.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.53% | ||
| ROE | 4.67% | ||
| ROIC | N/A |
ROA(3y)0.9%
ROA(5y)0.85%
ROE(3y)7.94%
ROE(5y)7.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of CFG (14.90%) is worse than 73.82% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 14.9% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.63%
PM growth 5Y-8.07%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CFG has less shares outstanding
The number of shares outstanding for CFG remains at a similar level compared to 5 years ago.
CFG has a worse debt/assets ratio than last year.
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 69.33% 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.
CFG has a Debt to Equity ratio of 0.54. This is in the lower half of the industry: CFG underperforms 74.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.54 | ||
| Debt/FCF | 6.49 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.65%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CFG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -36.82%.
The Earnings Per Share has been decreasing by -2.61% on average over the past years.
Looking at the last year, CFG shows a decrease in Revenue. The Revenue has decreased by -7.41% in the last year.
CFG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.06% yearly.
EPS 1Y (TTM)-36.82%
EPS 3Y11.73%
EPS 5Y-2.61%
EPS Q2Q%-9.41%
Revenue 1Y (TTM)-7.41%
Revenue growth 3Y6%
Revenue growth 5Y6.06%
Sales Q2Q%-5.61%
3.2 Future
CFG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.56% yearly.
CFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.14% yearly.
EPS Next Y-1.24%
EPS Next 2Y12.11%
EPS Next 3Y16.62%
EPS Next 5Y6.56%
Revenue Next Year-5.47%
Revenue Next 2Y-0.41%
Revenue Next 3Y2.28%
Revenue Next 5Y2.14%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 18.41, the valuation of CFG can be described as rather expensive.
CFG's Price/Earnings ratio is a bit more expensive when compared to the industry. CFG is more expensive than 70.57% of the companies in the same industry.
When comparing the Price/Earnings ratio of CFG to the average of the S&P500 Index (28.96), we can say CFG is valued slightly cheaper.
CFG is valuated reasonably with a Price/Forward Earnings ratio of 11.96.
Based on the Price/Forward Earnings ratio, CFG is valued a bit cheaper than 60.60% of the companies in the same industry.
CFG is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.82, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.41 | ||
| Fwd PE | 11.96 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CFG is valued a bit cheaper than the industry average as 72.32% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.98 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CFG's earnings are expected to grow with 16.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y12.11%
EPS Next 3Y16.62%
5. Dividend
5.1 Amount
CFG has a Yearly Dividend Yield of 3.61%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.02, CFG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.23, CFG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.61% |
5.2 History
On average, the dividend of CFG grows each year by 13.82%, which is quite nice.
CFG has paid a dividend for at least 10 years, which is a reliable track record.
As CFG did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)13.82%
Div Incr Years2
Div Non Decr Years9
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 2Y12.11%
EPS Next 3Y16.62%
CITIZENS FINANCIAL GROUP
NYSE:CFG (11/21/2024, 8:19:05 PM)
After market: 46.77 0 (0%)46.77
+0.65 (+1.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap20.61B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.61% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.41 | ||
| Fwd PE | 11.96 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.53% | ||
| ROE | 4.67% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 14.9% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.54 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-36.82%
EPS 3Y11.73%
EPS 5Y
EPS Q2Q%
EPS Next Y-1.24%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-7.41%
Revenue growth 3Y6%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y