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Citizens Financial Group, Inc.NYSE:CFG Stock Report

Market Cap US$21.9b
Share Price
US$50.62
My Fair Value
US$61.48
17.7% undervalued intrinsic discount
1Y22.2%
7D-2.1%
Portfolio Value
View

Citizens Financial Group, Inc.

NYSE:CFG Stock Report

Market Cap: US$21.9b

Citizens Financial Group (CFG) Stock Overview

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. More details

CFG fundamental analysis
Snowflake Score
Valuation4/6
Future Growth4/6
Past Performance4/6
Financial Health6/6
Dividends5/6

CFG Community Fair Values

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See what 45 others think this stock is worth. Follow their fair value or set your own to get alerts.

US$86.72
FV
41.6% undervalued intrinsic discount
15.00%
Revenue growth p.a.
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Citizens Financial Group, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Citizens Financial Group
Historical stock prices
Current Share PriceUS$50.62
52 Week HighUS$55.24
52 Week LowUS$32.60
Beta1.14
1 Month Change-3.67%
3 Month Change2.72%
1 Year Change22.15%
3 Year Change25.95%
5 Year Change95.60%
Change since IPO119.32%

Recent News & Updates

Citizens Financial Group (NYSE:CFG) Will Pay A Larger Dividend Than Last Year At $0.46

Oct 18
Citizens Financial Group (NYSE:CFG) Will Pay A Larger Dividend Than Last Year At $0.46

Citizens Financial Group: Strong NIM Trajectory Supports Shares

Oct 15

Recent updates

Citizens Financial Group (NYSE:CFG) Will Pay A Larger Dividend Than Last Year At $0.46

Oct 18
Citizens Financial Group (NYSE:CFG) Will Pay A Larger Dividend Than Last Year At $0.46

Citizens Financial Group: Strong NIM Trajectory Supports Shares

Oct 15

Citizens Financial Group (NYSE:CFG) Has Affirmed Its Dividend Of $0.42

Jul 21
Citizens Financial Group (NYSE:CFG) Has Affirmed Its Dividend Of $0.42

Citizens Financial Group (NYSE:CFG) Is Paying Out A Dividend Of $0.42

Jan 20
Citizens Financial Group (NYSE:CFG) Is Paying Out A Dividend Of $0.42

Citizens Financial Group: Much Better Options Out There

Jan 17

Citizens Financial: A Pivotal Year On Tap, Shares Fairly Priced, A Mixed Chart

Dec 30

Citizens Financial: After An In-Line Q3, Shares Appear Fairly Valued

Oct 16

Citizens Financial Group Q2 Preview: Potential Reserve Build Is A Source Of Caution (Downgrade)

Jul 11

Citizens Financial Group: Two Good Income Options

May 09

Citizens Financial: Solid Dividend And Discount

Apr 18

Citizens Financial Q4: Remains Attractive As The Swap Headwind Nears Its Peak

Jan 31

Citizens Financial Group Preferred D Shares Set To Float At Yields Near 9.5%

Nov 27

Citizens: A Buy Despite An Interest Rate Misstep

Oct 19

Citizens Financial Upgrade To Strong Buy, Undervalued With 6.3% Dividend Yield

Sep 28

Citizens Financial Group: A Potential 10% Preferred Dividend Yield Upon Reset

Aug 27

The Recovery Of Citizens Financial Group

Aug 15

Citizens Financial: A Value Play With 6.5% Dividend Yield

Jun 30

Citizens Financial Group: Banking On The Stock's Recovery

Jun 05

Shareholder Returns

CFGUS BanksUS Market
7D-2.1%-2.6%-0.1%
1Y22.2%18.3%16.6%

Return vs Industry: CFG exceeded the US Banks industry which returned 19.3% over the past year.

Return vs Market: CFG exceeded the US Market which returned 16.7% over the past year.

Price Volatility

Is CFG's price volatile compared to industry and market?
CFG volatility
CFG Average Weekly Movement3.8%
Banks Industry Average Movement3.9%
Market Average Movement6.5%
10% most volatile stocks in US Market17.3%
10% least volatile stocks in US Market3.0%

Stable Share Price: CFG has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CFG's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
182817,496Bruce Van Saunwww.citizensbank.com

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, wealth management, and investment services; and education and point-of-sale finance loans, as well as digital deposit products.

Citizens Financial Group, Inc. Fundamentals Summary

How do Citizens Financial Group's earnings and revenue compare to its market cap?
CFG fundamental statistics
Market capUS$21.93b
Earnings (TTM)US$1.57b
Revenue (TTM)US$7.44b
13.9x
P/E Ratio
0.9x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CFG income statement (TTM)
RevenueUS$7.44b
Cost of RevenueUS$0
Gross ProfitUS$7.44b
Other ExpensesUS$5.88b
EarningsUS$1.57b

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

Jan 21, 2026

Earnings per share (EPS)3.63
Gross Margin100.00%
Net Profit Margin21.04%
Debt/Equity Ratio44.1%

How did CFG perform over the long term?

See historical performance and comparison

Dividends

3.3%
Current Dividend Yield
47%
Payout Ratio

Does CFG pay a reliable dividends?

See CFG dividend history and benchmarks
When do you need to buy CFG by to receive an upcoming dividend?
Citizens Financial Group dividend dates
Ex Dividend DateOct 29 2025
Dividend Pay DateNov 12 2025
Days until Ex dividend6 days
Days until Dividend pay date20 days

Does CFG pay a reliable dividends?

See CFG dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/22 03:11
End of Day Share Price 2025/10/22 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Citizens Financial Group, Inc. is covered by 38 analysts. 18 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullArgus Research Company
David GeorgeBaird
Jason GoldbergBarclays