CFG
Citizens Financial Group
$67.99
▲ 1.4%Updated Today 6:01 PM ET
▲ Up 62.3% over the last 12 months
Market Cap
$28.37B
P/E
14.34x
Forward P/E (est.)
10.88x
ROE
7.6%
Revenue Growth
62.7%
EPS Growth
31.9%
Profit Margin
24.6%
FCF Yield
7.4%
Debt / Equity
0.35x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
2.8%
Implied Growth (rev. DCF)
—
Rating Score
82/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what CFG's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. CFG trades near $67.99, above its 50-day average ($63.96) and 200-day average ($58.65). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 66 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. CFG's is $1.62 (~2.4% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month CFG found buyers near $60.28 (support) and sellers near $68.75 (resistance); its 52-week range is $40.25–$68.79. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.1× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Citizens Financial Group (CFG) is a large-cap company in the Regional Banks industry, part of the Financials sector of the S&P 500, with a market value around $28.37B.
In its latest reported year it generated about $1.64B in revenue and $1.83B in net profit.
Our model rates CFG Strong (82/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
5.4%
Revenue moved from $1.32B in 2021 to $1.64B in 2025, a 5.4% compound annual growth rate. The most recent year grew a strong 62.7% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
31.4%
Net Margin
112.0%
ROE
7.6%
Citizens Financial Group keeps about 24.6% of each sales dollar as net profit. Return on equity is 7.6%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$12.26B
Net Debt
$8.19B
Net Debt / EBITDA
—
Debt / Equity
0.35x
Leverage: debt-to-equity is 0.4x. That is a conservative balance sheet — a cushion in downturns. It carries roughly $12.26B of total debt against $4.07B of cash.
Operating CF
$2.21B
Free Cash Flow
$2.21B
FCF Margin
135.2%
In the latest year Citizens Financial Group produced about $2.21B of operating cash flow and $2.21B of free cash flow after capital spending. That is a free-cash-flow yield of about 7.4% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
P/E
14.34x
P/S
1.56x
P/B
0.95x
EV / EBITDA
—
CFG trades at 14.3x trailing earnings (about 10.9x on estimated forward earnings), 1.6x sales, and 1.0x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How CFG stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), CFG ranks #3 of 76 by our overall rating. It trades at roughly in line versus the sector on earnings (14.3x P/E vs. 15.2x median) with a lower return on equity (7.6% vs. 15.3%) and faster revenue growth (62.7% vs. 9.1%).
P/E vs sector
14.3x
median 15.2x
ROE vs sector
7.6%
median 15.3%
Growth vs sector
62.7%
median 9.1%
Sector rank
#3
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$99.13 – $173.47
vs. $67.99 today · expected CAGR 8% – 21%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $2.37B | $3.44B | $4.98B | $7.23B | $10.48B |
| Net income | $1.19B | $1.72B | $2.49B | $3.61B | $5.24B |
| EPS | $2.80 | $4.06 | $5.89 | $8.55 | $12.39 |
| Share price (low) | $22.42 | $32.52 | $47.15 | $68.36 | $99.13 |
| Share price (high) | $39.24 | $56.90 | $82.51 | $119.64 | $173.47 |
| CAGR (low–high) | -67% / -42% | -31% / -9% | -11% / 7% | 0% / 15% | 8% / 21% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for CFG:
- Revenue is growing 62.7% a year, a sign of real demand.
- High net margins (24.6%) point to pricing power or efficiency.
- Healthy free-cash-flow yield (~7.4%) funds buybacks and dividends.
- A conservative balance sheet (debt/equity 0.4x) lowers risk.
- Pays a 2.8% dividend on top of any price gains.
- Our model's overall read is Strong (82/100).
The case against CFG:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Citizens Financial Group is a large-cap financials business still growing nicely, with solid profitability, and a sound balance sheet. It trades at 14.3x earnings, which our model scores Strong (82/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.