Stock · CFG · Financial Services

Citizens Financial Group, Inc.

United States · Large Cap · listed since 2014 · Revenue 12 mo. $11.6B

Price as of 11/06/2026

StockScorer score
1.8
of 10 2 of 11 points Not rated To the score
Price
$63.24
1 Y +14.6%
Market cap
$26.1B

Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States.

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Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and education and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

Original text from the data provider

Summary

Citizens Financial Group, Inc. is around the middle of the Financial Services sector overall

49.9 of 100

Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.

Analysis

What the price requires

The price requires a lasting 9.4% return on equity, more than the average of the last 5 and 10 years.

Book value €22.3B, market value €23.4B (P/B 1.0). At a 9% discount rate, the premium over book value only pays off with a lasting 9.4% return on equity.

Required return on equity per year

9.4%

no perpetual growth

Market value breakdown€23.4B market value, price as of 11/06/2026

€22.3B book value
€1B premium over book value
  • ROE 5-yr avg 7.7%
  • ROE 10-yr avg 7.3%
  • required 9.4%

Valuation against its own history

Price to book 1.05×, above its usual range.

Middle half of 20 quarters: 0.70× to 0.88×, median 0.76×.

Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.

No sign supports the expectation, 2 speak against it.

What supports it

with respect to the priced-in expectation

No indication in the stored figures.

What speaks against it

with respect to the priced-in expectation

  • Expectation above the company's own record priced in 9.4%, achieved at most 7.7%
  • Revenue declined revenue −9.7% year on year

Since the last quarter

Q2 → Q3 2026

Mostly better than the previous quarter: 1 of 1 change for the better.

  • EBIT margin23.6% → 24.8%+1.1 ppbetter

3 more unchanged: Revenue, 12 mo., Shares outstanding, Return on equity

Derivation

How the sector comparison is derived

Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.

Price as of 11/06/2026.

Profitability39.0below the middleEarns less than the sector: Return on equity 6.96%, sector 12.46%.
MetricStockSector medianPosition in sector
Return on equity6.96%12.46%Rank 13
Return on capital (Greenblatt)26.23%59.04%Rank 37
EBIT margin20.88%23.06%Rank 45
FCF margin18.27%19.82%Rank 46
Gross margin69.75%65.53%Rank 55
Growth29.4below the middleGrows more slowly than the sector: Revenue growth, 1 year −9.71%, sector 7.39%.
MetricStockSector medianPosition in sector
Revenue growth, 1 year−9.71%7.39%Rank 11
Earnings growth, 3 years per year−1.04%15.20%Rank 13
Earnings growth, 5 years per year11.24%15.17%Rank 36
Sustainable growth (ROE × retained earnings)1.56%1.25%Rank 57
Valuation66.3above the middleValued lower than the sector: EV/sales −1.08, sector 2.82.
MetricStockSector medianPosition in sector
Earnings yield6.65%6.47%Rank 52
FCF yield7.82%7.16%Rank 54
EV/saleslower is better−1.082.82Rank 93
EV/EBITlower is betterdoes not count towards the rank−5.1814.24
Momentum31.6below the middleShare price doing worse than the sector: Share price, 3 months −7.85%, sector 0.45%.
MetricStockSector medianPosition in sector
Share price, 1 year14.64%7.80%Rank 60
Share price, 6 months−0.29%8.71%Rank 22
Share price, 3 months−7.85%0.45%Rank 12
Distance from 52-week high−15.38%−10.68%Rank 32
Quality63.4above the middleQuality above the sector: Change in share count −3.98%, sector −0.60%.
MetricStockSector medianPosition in sector
Accruals (Sloan)lower is better2.52%1.23%Rank 36
Change in share countlower is better−3.98%−0.60%Rank 81
Dividend streak in years115Rank 75
Price reaction to results, market-adjusted0.74%0.00%Rank 62
Balance sheet & risk69.6above the middleLess risk than the sector: Net debt/EBITDA −13.58, sector 0.12.
MetricStockSector medianPosition in sector
Equity ratio11.63%9.21%Rank 61
Net debt/EBITDAlower is better−13.580.12Rank 90
Debt to equitylower is better0.430.90Rank 71
Volatility, 1 yearlower is better25.32%25.95%Rank 56

Ten years in figures

Revenue from $5.8B (2016) to $11.1B (2025), 7.6% a year.

Fiscal years, amounts in USD
YearRevenue, $BNet income, $BReturn on equityShares
20165.81.05.3%524M
20176.51.78.2%504M
20187.41.78.3%480M
20198.11.88.1%451M
20207.71.14.7%428M
20217.02.39.9%427M
20229.12.18.8%478M
202312.21.66.6%477M
202412.31.56.2%454M
202511.11.87.0%435M
1.8 / 10Not ratedStockScorer score2 of 11 points

1 of 7 StockScorer Score rules met · How the score is built

Citizens Financial Group, Inc. mainly meets criteria in the Valuation category. Result from 18 strategies checked.

This stock · Profitability: 0%This stock · Growth: 0%This stock · Valuation: 100%This stock · Momentum: 0%Median of all stocks · Profitability: 33%Median of all stocks · Growth: 0%Median of all stocks · Valuation: 0%Median of all stocks · Momentum: 0%50%100%ProfitabilityGrowthValuationMomentumThis stockMedian of all stocks

How Citizens Financial Group, Inc.'s score is built

This is how the StockScorer Score strategy, the flagship rule set, calculates the points for Citizens Financial Group, Inc. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.

1 of 7 rules met

2 of 11 points

The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.

  1. Free cash flow yield above the sector medianmet2 of 2 points
  2. Return on capital (Greenblatt ROC) above the sector mediannot met0 of 2 points
  3. Return on equity above the sector mediannot met0 of 1 point
  4. Free cash flow margin above the sector mediannot met0 of 2 points
  5. Revenue growth above 15%not met0 of 2 points
  6. 3-year earnings growth above 12% p.a.not met0 of 1 point
  7. 12-month share price more than 20 percentage points ahead of the marketnot met0 of 1 point
  8. Exclusion: financial and real estate stocksapplies

Detail data

How does Citizens Financial Group, Inc. stock perform across 18 strategies?

Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.

12 more strategies locked

With a free account, you can see the match across all strategies checked in one complete overview.

  • Balanced GARP
  • Defensive: Low Volatility
  • Moat Quality
  • Mohanram G-Score: Growth Quality
  • StockScorer Score
  • Growth Momentum (CAN SLIM principle)
  • Levermann Strategy (13 Criteria)
  • PEG Strategy (inspired by Peter Lynch)
  • Altman Z-Score: Stress Test
  • Dividend Aristocrats & Continuity
  • Earnings Quality: Accrual Check (Sloan)
  • High-Growth / Rule of 40

Citizens Financial Group, Inc. key metrics: P/E, P/B and equity ratio

Selected fundamental metrics for Citizens Financial Group, Inc.

MetricStockSector
P/E ratio15.015.2
P/B ratio1.01.8
Return on equity (ROE)7.0%12.5%
Equity ratio11.6%9.2%
Debt-to-equity (D/E)0.430.90
Dividend yield3.0%3.3%

Similar stocks in Financial Services

How comparable stocks in the same sector score in the StockScorer model.

SymbolCompanyRating
CFGCitizens Financial Group, Inc.this page
FCNCAFirst Citizens BancShares, Inc.locked
RFRegions Financial CorporationLow5.5
KEYKeyCorpLow5.5
MTBM&T Bank Corporationlocked
HBANHuntington Bancshares Incorporatedlocked

Frequently asked questions about Citizens Financial Group, Inc. stock

How does Citizens Financial Group, Inc. stock (CFG) score in the StockScorer model?
Citizens Financial Group, Inc. stock reaches a StockScorer score of 1.8 out of 10, but is not rated (exclusion rule: Exclusion: financial and real estate stocks).
What is Citizens Financial Group, Inc.'s P/E ratio?
Citizens Financial Group, Inc.'s P/E ratio is 15.0. The Financial Services sector median is 15.2.
What sector is Citizens Financial Group, Inc. in?
Citizens Financial Group, Inc. is assigned to the Financial Services sector. Its rank within the sector is 49.9 out of 100: 100 means the stock leads its peer group of large and mid-cap sector stocks in every measured area.

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