Stock AnalizCitizens Financial Group Inc CFG
Major Banks · IPO 2014 · data as of November 13, 2026
Citizens Financial Group Inc (CFG) is a financial company listed in the US with a market value of about $27.4B. In the twelve months to September 30, 2026 it had revenue of $8.9B and net income of $2.1B, a net margin of 23.8%.
Its overall Stock Analiz score is 2.4 out of 5 (weak). The strongest part is value (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 13.2, a price to free cash flow of 25.0, 5-year revenue growth of 4% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 12% above the current price.
Score: 2.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Profit margin improving
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
- Positive free cash flow
Checks not passed
- P/FCF below 20
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- ROE above 15%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $8.9B | $8.2B | $7.8B | $8.2B | $8.0B | $6.6B | $6.9B | $6.5B | $6.1B | $5.7B | $5.3B |
| Net income | $2.1B | $1.8B | $1.5B | $1.6B | $2.1B | $2.3B | $1.1B | $1.8B | $1.7B | $1.7B | $1.0B |
| Free cash flow | $1.1B | $2.0B | $1.9B | $2.8B | $4.0B | $2.2B | -$7M | $1.6B | $1.5B | $1.6B | $1.4B |
| EPS (diluted) | $4.96 | $3.86 | $3.03 | $3.13 | $4.10 | $5.16 | $2.22 | $3.81 | $3.52 | $3.25 | $1.97 |
| Net margin | 23.8% | 22.2% | 19.3% | 19.6% | 25.8% | 34.9% | 15.3% | 27.6% | 28.1% | 28.9% | 19.9% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 19 analysts is $76.39, 17% above the current price; targets range from $65.00 to $87.00; the consensus rating is “Buy”; expected EPS is $5.30 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Citizens Financial Group’s P/E ratio?
About 13.2, based on the last twelve months of diluted earnings per share (forward P/E about 10.6).
Is Citizens Financial Group stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 12% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Citizens Financial Group pay a dividend?
Yes. The dividend yield is about 3.18%, and it has paid dividends for 10 years in our data.
Is Citizens Financial Group a good stock to buy?
We do not give buy or sell advice. Citizens Financial Group scores 2.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.