Stock · CFG · Financial Services
United States · Large Cap · listed since 2014 · Revenue 12 mo. $11.6B
Price as of 11/06/2026
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.
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
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
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
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.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
Since the last quarter
Q2 → Q3 2026
3 more unchanged: Revenue, 12 mo., Shares outstanding, Return on equity
Derivation
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.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 6.96% | 12.46% | Rank 13 |
| Return on capital (Greenblatt) | 26.23% | 59.04% | Rank 37 |
| EBIT margin | 20.88% | 23.06% | Rank 45 |
| FCF margin | 18.27% | 19.82% | Rank 46 |
| Gross margin | 69.75% | 65.53% | Rank 55 |
| Metric | Stock | Sector median | Position 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 year | 11.24% | 15.17% | Rank 36 |
| Sustainable growth (ROE × retained earnings) | 1.56% | 1.25% | Rank 57 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 6.65% | 6.47% | Rank 52 |
| FCF yield | 7.82% | 7.16% | Rank 54 |
| EV/saleslower is better | −1.08 | 2.82 | Rank 93 |
| EV/EBITlower is betterdoes not count towards the rank | −5.18 | 14.24 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | 14.64% | 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 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 2.52% | 1.23% | Rank 36 |
| Change in share countlower is better | −3.98% | −0.60% | Rank 81 |
| Dividend streak in years | 11 | 5 | Rank 75 |
| Price reaction to results, market-adjusted | 0.74% | 0.00% | Rank 62 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 11.63% | 9.21% | Rank 61 |
| Net debt/EBITDAlower is better | −13.58 | 0.12 | Rank 90 |
| Debt to equitylower is better | 0.43 | 0.90 | Rank 71 |
| Volatility, 1 yearlower is better | 25.32% | 25.95% | Rank 56 |
Ten years in figures
| Year | Revenue, $B | Net income, $B | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 5.8 | 1.0 | 5.3% | 524M |
| 2017 | 6.5 | 1.7 | 8.2% | 504M |
| 2018 | 7.4 | 1.7 | 8.3% | 480M |
| 2019 | 8.1 | 1.8 | 8.1% | 451M |
| 2020 | 7.7 | 1.1 | 4.7% | 428M |
| 2021 | 7.0 | 2.3 | 9.9% | 427M |
| 2022 | 9.1 | 2.1 | 8.8% | 478M |
| 2023 | 12.2 | 1.6 | 6.6% | 477M |
| 2024 | 12.3 | 1.5 | 6.2% | 454M |
| 2025 | 11.1 | 1.8 | 7.0% | 435M |
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 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.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Citizens Financial Group, Inc.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 15.0 | 15.2 |
| P/B ratio | 1.0 | 1.8 |
| Return on equity (ROE) | 7.0% | 12.5% |
| Equity ratio | 11.6% | 9.2% |
| Debt-to-equity (D/E) | 0.43 | 0.90 |
| Dividend yield | 3.0% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| CFG | Citizens Financial Group, Inc.this page | |
| FCNCA | First Citizens BancShares, Inc. | locked |
| RF | Regions Financial Corporation | Low5.5 |
| KEY | KeyCorp | Low5.5 |
| MTB | M&T Bank Corporation | locked |
| HBAN | Huntington Bancshares Incorporated | locked |
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