Citizens Financial Group, Inc. (CFG) Valuation
Historical valuation analysis based on 1280 data points (2021-09-13 to 2026-10-16)
Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island. Through its subsidiaries, it offers various retail and commercial banking products and services to...
Citizens Financial Group, Inc. (CFG) currently trades at a P/E ratio of 12.55 (historical range: 5.30–17.47, median: 10.16), placing it at the 60th percentile — above its historical average, P/S ratio of 2.16 (range: 0.93–3.43, 59th percentile — near its historical average), EV/EBITDA of 17.31 (range: 10.40–17.40, 97th percentile).
Over the historical period (2021-09-13 to 2026-10-16), Citizens Financial Group, Inc.'s P/E ratio has expanded by 68% over the observed period (from an average of 8.2 to 13.8).
Citizens Financial Group, Inc. trades above its historical valuation range, with most metrics above their median levels.
Historical Valuation Metrics
| Metric | Current | Median | %ile | Assessment |
|---|---|---|---|---|
| P/E Ratio | 12.55 | 10.16 | 60th | above its historical average |
| P/S Ratio | 2.16 | 1.88 | 59th | near its historical average |
| EV/EBITDA | 17.31 | 14.23 | 97th | expensive relative to its history |
| FCF Yield | 8.72% | 7.99% | 85th | cheap relative to its history |
Citizens Financial Group, Inc. (CFG) Valuation & P/E History
Citizens Financial Group, Inc. (CFG) is a US-listed stock operating in the Financial Services sector, specifically the State Commercial Banks industry currently trading at $63.31 with a market capitalization of $26.7 billion. This page provides historical valuation analysis for CFG based on 1280 data points covering 2021-09-13 to 2026-10-16. The P/E ratio of 12.55 is above the historical median of 10.16, placing CFG at the 60th percentile of its valuation range. The P/S ratio of 2.16 compares to a median of 1.88.
CFG Valuation Metrics & Historical Range
The valuation table above shows Citizens Financial Group, Inc.'s current and historical valuation multiples, including P/E ratio, P/S ratio, EV/EBITDA, FCF yield, and dividend yield. Each metric is compared to its own historical range to determine whether CFG is currently trading above or below its typical valuation levels.
- P/E ratio: Price-to-earnings measures how much investors pay per dollar of earnings. A P/E above the historical median suggests CFG is expensively valued; below the median suggests it is cheap.
- P/S ratio: Price-to-sales is useful for companies with volatile or negative earnings. Lower P/S relative to history may indicate value.
- EV/EBITDA: Enterprise value to EBITDA adjusts for debt and cash, providing a capital-structure-neutral valuation measure for Citizens Financial Group, Inc..
- FCF yield: Free cash flow yield shows the cash return relative to market price. Higher yields may indicate undervaluation.
Is CFG Overvalued or Undervalued?
Citizens Financial Group, Inc. trades above its historical valuation range, with most metrics above their median levels. The overall valuation percentile of 72 combines P/E, P/S, and EV/EBITDA percentiles into a single measure of how expensive CFG is relative to its own history. A percentile below 25 suggests the stock may be undervalued, while a percentile above 75 suggests it may be overvalued.
However, valuation is only one factor in investment decisions. A stock can remain "overvalued" for years if growth accelerates, or "undervalued" if the business deteriorates. Always combine valuation analysis with financial statement analysis and the full CFG analysis page for a complete picture.
Valuation data is computed from historical price and fundamental data via Polygon.io and Finnhub.CFG trades on NYSE. This page is for informational purposes only and is not financial advice.