CITIZENS FINANCIAL GROUP (CFG)
US1746101054 - Common Stock
Overall CFG gets a fundamental rating of 3 out of 10. We evaluated CFG against 406 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.
1. Profitability
1.1 Basic Checks
In the past year CFG was profitable.
CFG had a positive operating cash flow in the past year.
Each year in the past 5 years CFG has been profitable.
In the past 5 years CFG always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.53%, CFG is doing worse than 69.80% of the companies in the same industry.
CFG has a Return On Equity of 4.67%. This is in the lower half of the industry: CFG underperforms 75.74% 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
CFG has a Profit Margin of 14.90%. This is in the lower half of the industry: CFG underperforms 73.02% of its industry peers.
In the last couple of years the Profit Margin of CFG has declined.
CFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
CFG has less shares outstanding than it did 1 year ago.
CFG has about the same amout of shares outstanding than it did 5 years ago.
The debt/assets ratio for CFG is higher compared to a year ago.
2.2 Solvency
CFG has a debt to FCF ratio of 6.49. This is a slightly negative value and a sign of low solvency as CFG would need 6.49 years to pay back of all of its debts.
The Debt to FCF ratio of CFG (6.49) is worse than 66.83% of its industry peers.
A Debt/Equity ratio of 0.54 indicates that 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 76.73% 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
The earnings per share for CFG have decreased strongly by -36.82% in the last year.
CFG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.61% yearly.
CFG shows a decrease in Revenue. In the last year, the revenue decreased by -7.41%.
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.
The Revenue is expected to grow by 2.14% on average over the next years.
EPS Next Y-1.24%
EPS Next 2Y11.99%
EPS Next 3Y16.54%
EPS Next 5Y6.56%
Revenue Next Year-5.46%
Revenue Next 2Y-0.41%
Revenue Next 3Y2.31%
Revenue Next 5Y2.14%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 17.11, which indicates a rather expensive current valuation of CFG.
Based on the Price/Earnings ratio, CFG is valued a bit more expensive than the industry average as 71.78% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of CFG to the average of the S&P500 Index (27.73), we can say CFG is valued slightly cheaper.
CFG is valuated reasonably with a Price/Forward Earnings ratio of 11.14.
CFG's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.83, CFG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.11 | ||
| Fwd PE | 11.14 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CFG is valued a bit cheaper than the industry average as 74.01% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.27 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as CFG's earnings are expected to grow with 16.54% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.99%
EPS Next 3Y16.54%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.96%, CFG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.15, CFG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, CFG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
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
5.3 Sustainability
77.92% of the earnings are spent on dividend by CFG. This is not a sustainable payout ratio.
CFG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP77.92%
EPS Next 2Y11.99%
EPS Next 3Y16.54%
CITIZENS FINANCIAL GROUP
NYSE:CFG (12/20/2024, 8:04:00 PM)
After market: 48.625 +5.17 (+11.91%)43.45
+1 (+2.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners94.26%
Inst Owner Change2.52%
Ins Owners0.61%
Ins Owner Change-0.2%
Market Cap19.15B
Analysts75.38
Price Target49.59 (14.13%)
Short Float %2.41%
Short Ratio2.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
Dividend Growth(5Y)13.82%
DP77.92%
Div Incr Years2
Div Non Decr Years10
Ex-Date
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)8.22%
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)0.01%
Revenue NY rev (3m)-0.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.11 | ||
| Fwd PE | 11.14 | ||
| P/S | 2.45 | ||
| P/FCF | 9.27 | ||
| P/OCF | 8.75 | ||
| P/B | 0.77 | ||
| P/tB | 1.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.54
EY5.85%
EPS(NY)3.9
Fwd EY8.98%
FCF(TTM)4.69
FCFY10.79%
OCF(TTM)4.96
OCFY11.43%
SpS17.72
BVpS56.57
TBVpS37.69
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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)0.9%
ROA(5y)0.85%
ROE(3y)7.94%
ROE(5y)7.15%
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 3Y9.63%
PM growth 5Y-8.07%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector 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
WACC13.65%
ROIC/WACCN/A
Cap/Depr(3y)26.04%
Cap/Depr(5y)31.27%
Cap/Sales(3y)1.84%
Cap/Sales(5y)2.58%
Profit Quality(3y)162.76%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-36.82%
EPS 3Y11.73%
EPS 5Y-2.61%
EPS Q2Q%-9.41%
EPS Next Y-1.24%
EPS Next 2Y11.99%
EPS Next 3Y16.54%
EPS Next 5Y6.56%
Revenue 1Y (TTM)-7.41%
Revenue growth 3Y6%
Revenue growth 5Y6.06%
Sales Q2Q%-5.61%
Revenue Next Year-5.46%
Revenue Next 2Y-0.41%
Revenue Next 3Y2.31%
Revenue Next 5Y2.14%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-11.48%
EBIT Next 3Y4.42%
EBIT Next 5YN/A
FCF growth 1Y-42.24%
FCF growth 3YN/A
FCF growth 5Y16.82%
OCF growth 1Y-42.16%
OCF growth 3Y198.79%
OCF growth 5Y10.88%