Citizens Financial Group, Inc. CFG
Financial Services · Banks - Regional · United States · S&P 500
Based on the available data, Citizens Financial Group, Inc. gets an algorithmic score of 68/100. It trades at 63.89 $, with a sideways/transition technical trend (RSI 30.3) and 26.9% annual volatility.
Updated: 2026-09-30
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Strengths
- High net margin (26.1%): pricing power / competitive advantage.
- Attractive free-cash-flow yield (7.6%).
- Low valuation (P/E 9.8).
Weaknesses
- —
Fundamentals
| P/E | 14.13 |
| Forward P/E | 9.78 |
| PEG | 1.65 |
| P/B | 1.12 |
| P/S | 3.30 |
| ROE % | 8.27 |
| ROA % | 0.94 |
| Gross margin % | 0.00 |
| Operating margin % | 35.13 |
| Net margin % | 26.05 |
| Revenue growth % (y/y) | 14.70 |
| Earnings growth % (y/y) | 41.30 |
| Revenue CAGR % | 0.93 |
| Earnings CAGR % | -4.05 |
| FCF yield % | 7.57 |
| Dividend yield % | 2.88 |
| Payout % | 39.22 |
Returns
| 1 month | -8.3 % |
| 3 months | -8.2 % |
| 6 months | +12.7 % |
| YTD | +9.8 % |
| 1 year | +23.3 % |
| 3 years | +171.4 % |
| 5 years | +87.7 % |
Risk
| 1-year volatility | 26.9 % |
| Beta | 1.20 |
| 5-year max drawdown | -56.2 % |
| Sharpe 1A | 0.76 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a US company, its valuation depends on the Fed, 10-year Treasury yields and the US earnings cycle.
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.