Obermatt

Citizens Financial Group

NYQ:CFG · US1746101054
BanksMedium

360

52
Profit price26
Cash yield71
Price/Sales62
EV / Gross Profit73
Price/Book60
Returns on capital32
Profit margins
Cash Conversion83
Accruals56
Owner Earnings Margin13
Sales growth59
Profit Growth96
Long-Term EPS Growth75
Owner Earnings Growth53
Reinvestment4
Price momentum98
Debt load40
Debt serviceability20
Liquidity15
Analyst ratings86
Opinion Changes28
Price Target Upside70
Market mood49
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Citizens Financial Group clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeMedium
TypePublic Company
ExchangeNYSE
Founded1984
ISINUS1746101054
Last UpdateApr 2, 2026
Themes
BankingCredit CardsFinancial ServicesRetail

Description

Citizens Financial Group, Inc. provides a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. The company’s products and services are off…

Analysis

Weak and unloved

Citizens Financial Group, Inc. scores below average on quality and is priced accordingly, a low-conviction position in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 14.0×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 1% a year, against analyst forecasts of 24%. The price, in other words, assumes less than the experts do.

Growth is solid; the safety picture is stretched. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
71
2023202420252026

All-time high

100

Jan 2023

All-time low

45

Oct 2025

Average rank

68

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
62
91
95
85
Price/Earnings
29
54
79
49
Price/Book
60
81
97
87
Dividend Yield
71
63
74
94
Value (overall)
53
71
90
100

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →