Citizens Financial Group, Inc. (CFG) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Citizens Financial Group, Inc. stock (CFG) is currently trading at $59.42. Citizens Financial Group, Inc. PE ratio is 15.27. Citizens Financial Group, Inc. PS ratio (Price-to-Sales) is 3.31. Analyst consensus price target for CFG is $71.95. WallStSmart rates CFG as Buy.
- CFG PE ratio analysis and historical PE chart
- CFG PS ratio (Price-to-Sales) history and trend
- CFG intrinsic value — DCF, Graham Number, EPV models
- CFG stock price prediction 2025 2026 2027 2028 2029 2030
- CFG fair value vs current price
- CFG insider transactions and insider buying
- Is CFG undervalued or overvalued?
- Citizens Financial Group, Inc. financial analysis — revenue, earnings, cash flow
- CFG Piotroski F-Score and Altman Z-Score
- CFG analyst price target and Smart Rating
Citizens Financial Group, Inc.
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CFG Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Citizens Financial Group, Inc. (CFG)
CFG trades at a significant discount to its Graham intrinsic value of $180.65, offering a 63% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Citizens Financial Group, Inc. (CFG) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, operating margin. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Citizens Financial Group, Inc. (CFG) Key Strengths (7)
Growing significantly faster than its price suggests
Keeps $32 of every $100 in revenue after operating costs
Earnings per share surging 34.80% year-over-year
Keeps $24 of every $100 in revenue as net profit
99.86% of shares held by major funds and institutions
Large-cap company with substantial market presence
Trading at 1.00x book value, attractively priced
Supporting Valuation Data
Citizens Financial Group, Inc. (CFG) Areas to Watch (3)
Low profitability relative to shareholder equity
Revenue is fairly priced at 3.31x sales
Solid revenue growth at 10.70% per year
Citizens Financial Group, Inc. (CFG) Detailed Analysis Report
Overall Assessment
This company scores 81/100 in our Smart Analysis, earning a A- grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.6/10) while 3 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, EPS Growth. Valuation metrics including PEG Ratio (0.26), Price/Book (1.00) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 32.20%, Profit Margin at 24.00%. Growth metrics are encouraging with EPS Growth at 34.80%.
The Bear Case
The primary concerns are Return on Equity, Price/Sales, Revenue Growth. Some valuation metrics including Price/Sales (3.31) suggest expensive pricing. Growth concerns include Revenue Growth at 10.70%, which may limit upside. Profitability pressure is visible in Return on Equity at 7.24%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.24% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 10.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Operating Margin makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current A- grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CFG Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CFG's Price-to-Sales ratio of 3.31x trades at a 43% premium to its historical average of 2.31x (96th percentile). The current valuation is 8% below its historical high of 3.59x set in Jan 2018, and 264% above its historical low of 0.91x in Oct 2023. Over the past 12 months, the PS ratio has expanded from ~1.4x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Citizens Financial Group, Inc. (CFG) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Citizens Financial Group, Inc. is a mature, profitable business with steady cash generation. Revenue reached 7.6B with 11% growth year-over-year. Profit margins are strong at 24.0%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 24.0% and operating margin of 32.2% demonstrate strong pricing power and operational efficiency.
Free cash flow is -250M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Citizens Financial Group, Inc..
Bottom Line
Citizens Financial Group, Inc. is a well-established business delivering consistent profitability with 24.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(38 last 3 months)
| Insider | Type | Shares |
|---|---|---|
LAMONICA, SUSAN Chief Human Resources Officer | Sell | -13,258 |
Data sourced from SEC Form 4 filings
Last updated: 10:05:47 AM
About Citizens Financial Group, Inc.(CFG)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Citizens Financial Group, Inc. is an American bank headquartered in Providence, Rhode Island.