Stock Analysis
Citizens Financial Group, Inc.CFG
P/E 12.55×· 5Y range 5.30–17.47×· 60th percentile of history
Sector: Financial Services · Industry: State Commercial Banks
AnalystsStrong Buy23 analystsP/E 12.6× sits at the 60th percentile of its 5.089664613278576-year history.
Cash covers 37% of debt · Q1 2023.
PMP Verdict
Weak fundamentals
Strengths
- Quality77
Risks
- Financial Health6
- Growth40
Weak fundamentals — valuation is the only support.
Bull Case
- ✓Revenue CAGR 14.6% — durable top-line growth
What's happening with CFG
Profile
Strong earnings quality; financial health and growth lag behind.
How is each axis scored?
- Valuation60/100 · Moderate
- P/E vs own history (60th pct)5/25
- FCF yield (8.7%)25/25
- P/S (2.2x)20/25
- EV/EBIT (n/a)10/25
- Growth40/100 · Weak
- Revenue CAGR (14.6%)20/25
- Net income CAGR (-5.7%)0/25
- EPS CAGR 5Y (-6.2%)0/25
- Fwd implied growth (18.4%)20/25
- Profitability57/100 · Moderate
- ROIC (4.9%)5/25
- ROE (8.1%)12/25
- Net margin (17.2%)20/25
- Operating margin (18.8%)20/25
- Financial Health6/100 · Weak
- Altman Z (0.24)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.4x)3/25
- Net cash / debt (n/a)0/25
- Quality77/100 · Strong
- Piotroski F (6/9)15/25
- Beneish M (-2.51)25/25
- FCF conversion (109%)25/25
- Margin stability (σ 8.9%)12/25
- Moat50/100 · Moderate
- ROIC >12% years (0/5 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (9/9 yrs)25/25
- Worst-year net margin (worst 12.2%)25/25
Risk Flags
- ⚠Altman Z 0.2 — distress-zone balance sheet
- ⚠Interest coverage 0.4× — thin debt cushion
About Citizens Financial Group, Inc.
Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island. Show more
Through its subsidiaries, it offers various retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. The group's reportable business segments are: Consumer Banking and Commercial Banking. The majority of its revenue is generated from the Consumer Banking segment, which serves consumer customers and small businesses, offering traditional banking products and services, including deposits, mortgage and home equity lending, credit cards, small business loans, education loans, point-of-sale finance loans, and wealth management solutions, among others, through a network of branches and ATMs.
Headquarters: PROVIDENCE, RI · Employees: 17,398 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
60BP/E (TTM)12.5xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 5.3x–17.5x · 60th pct
P/FCF10.3xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield8.7%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 7.4%–9.5% · 85th pct
P/S (TTM)2.15xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 0.9x–3.4x · 59th pct
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral — vs own 5Y history: 10.4x–17.4x · 97th pct
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E10.6xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.01xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.58A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield3.43%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio43.1%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
57CROIC4.9%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE8.1%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA0.9%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin17.2%A
Grade A: HighNet Income / Revenue
Operating Margin18.8%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin18.8%A
Grade A: HighFCF / Revenue
True FCF Margin17.8%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
40D+Revenue CAGR14.6%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-5.7%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-6.2%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth18.4%C
Grade C: MedAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-1.5%B
Grade B: FlatShare count change over 5Y
SBC / Net Income6.0%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue1.0%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
6EAltman Z-Score0.24D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.4xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.43xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Quality
77B+Piotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.51A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion109.5%A
Grade A: StrongFCF / Net Income
Margin Stability8.9%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue1.4%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Boss Matthew Filed | Boss Matthew | Tax withholding | -10778 | |
Wade Claude E. Filed | Wade Claude E. | Grant / award | +47 | |
Alexander Lee Filed | Alexander Lee | Grant / award | +162 | |
Cumming Christine M Filed | Cumming Christine M | Grant / award | +269 | |
Lillis Terrance Filed | Lillis Terrance | Grant / award | +246 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Leary Robert G Filed | Leary Robert G | Grant / award | +208 | |
SIEKERKA MICHELE N Filed | SIEKERKA MICHELE N | Grant / award | +134 | |
Swift Christopher Filed | Swift Christopher | Grant / award | +162 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
50CROIC >12% Years0/5 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years9/9 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor12.2%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$5.05
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$33.03
Cash & short-term investments per share (Finnhub)
Book Value / Share$61.95
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$11.28B
Total debt obligations (short + long term)
Cash & Equiv.—
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$26.32B
Shareholders' equity (book value)
Asset / Liability1.13xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$26.66B
Current Market Capitalization
Beta1.11B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Citizens Financial Group, Inc. (CFG)
Piotroski F-Score of 6/9 indicates mixed fundamentals for Citizens Financial Group, Inc.. Altman Z-Score of 0.24 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.51 suggests a low likelihood of earnings manipulation.
- Citizens Financial Group, Inc. converts about 19% of revenue into free cash flow — strong cash generation.
- Interest coverage of 0.4× leaves little room for earnings shocks.
- The stock currently yields 3.4% in dividends.
See how CFG ranks on the Capex Tracker — top 50 capital spenders compared.
Earnings
View earnings calendar →Recent Earnings Results
| Date | Time | EPS Est. | EPS Actual | Surprise | Rev Est. | Rev Actual |
|---|---|---|---|---|---|---|
| Oct 16, 2026 | TBD | $1.40 | — | — | $2.4B | — |
Recent Market Moves
See all CFG moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | After-hours | 63.88 | +2.10% | 2.32 |
| Sep 22 | After-hours | 64.31 | -4.53% | -3.05 |
Frequently Asked Questions about CFG
What is the current Citizens Financial Group, Inc. (CFG) stock price?
CFG is trading at $63.36 at the last market close, down 0.11% on the session. PreMarketPrice tracks CFG pre-market, intraday and after-hours prices.
Is CFG stock a buy right now?
PreMarketPrice's quantitative model rates Citizens Financial Group, Inc.'s financial health at 6/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is CFG stock overvalued?
Citizens Financial Group, Inc. trades at a trailing P/E of 12.5 and our valuation score rates it 60/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Citizens Financial Group, Inc. report earnings?
No confirmed earnings date is currently scheduled for CFG. The Earnings section lists recent reports and updates as dates are announced.
What sector does Citizens Financial Group, Inc. operate in?
Citizens Financial Group, Inc. operates in the Financial Services sector, within the State Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does Citizens Financial Group, Inc. do?
Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island.
About Citizens Financial Group, Inc. (CFG) Stock
Citizens Financial Group, Inc. (CFG) is a US-listed stock operating in the Financial Services sector, specifically the State Commercial Banks industry. As of the latest update, Citizens Financial Group, Inc. is trading at $63.36, down 0.11% on the day with a market capitalization of $26.7 billion. The financial health score for CFG is 6/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for CFG stock.
CFG Stock Analysis & Key Metrics
On PreMarketPrice, you can track Citizens Financial Group, Inc. (CFG) across multiple dimensions:
- Pre-market price & movement: Real-time CFG stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Earnings calendar: Upcoming and past earnings reports for CFG, including EPS estimates, actual results, and surprise percentages.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for CFG with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Citizens Financial Group, Inc. across multiple reporting periods.
- Financial health score: A composite score of 6/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for CFG.
- Sector peers: Compare CFG against 6 other financial services stocks on key financial metrics.
Is CFG a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Citizens Financial Group, Inc. (CFG) as an investment. The financial health score of 6/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average. Earnings data reveals whether the company is meeting or beating analyst expectations.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Citizens Financial Group, Inc. (CFG) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.