Citizens Financial Group, Inc.

DB:1C5 Stock Report

Market Cap: €17.3b

Citizens Financial Group Valuation

Is 1C5 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 1C5 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 1C5 (€38.77) is trading below our estimate of fair value (€87.34)

Significantly Below Fair Value: 1C5 is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for 1C5?

Other financial metrics that can be useful for relative valuation.

1C5 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio0.7x

Price to Earnings Ratio vs Peers

How does 1C5's PE Ratio compare to its peers?

The above table shows the PE ratio for 1C5 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average12.6x
CBK Commerzbank
9.1x7.7%€19.7b
8308 Resona Holdings
13.6x9.5%JP¥2.4t
RF Regions Financial
13.2x9.0%US$21.9b
HBAN Huntington Bancshares
14.7x15.6%US$22.4b
1C5 Citizens Financial Group
16x21.9%€18.8b

Price-To-Earnings vs Peers: 1C5 is expensive based on its Price-To-Earnings Ratio (16x) compared to the peer average (12.6x).


Price to Earnings Ratio vs Industry

How does 1C5's PE Ratio compare vs other companies in the European Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a0.4%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a0.4%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: 1C5 is expensive based on its Price-To-Earnings Ratio (16x) compared to the European Banks industry average (7.7x).


Price to Earnings Ratio vs Fair Ratio

What is 1C5's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

1C5 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio16x
Fair PE Ratio13.1x

Price-To-Earnings vs Fair Ratio: 1C5 is expensive based on its Price-To-Earnings Ratio (16x) compared to the estimated Fair Price-To-Earnings Ratio (13.1x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 1C5 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€38.77
€42.96
+10.8%
4.1%€46.03€39.21n/a18
Oct ’25€36.76
€40.63
+10.5%
6.3%€44.78€35.82n/a18
Sep ’25€38.46
€40.09
+4.3%
7.6%€44.83€33.17n/a19
Aug ’25€39.46
€40.56
+2.8%
8.4%€46.34€34.29n/a19
Jul ’25€33.37
€36.73
+10.1%
6.2%€41.99€32.66n/a19
Jun ’25€31.66
€36.03
+13.8%
6.6%€41.40€32.20n/a19
May ’25€32.12
€36.57
+13.9%
6.1%€40.22€32.74n/a19
Apr ’25€33.01
€35.35
+7.1%
6.3%€39.10€32.12n/a19
Mar ’25€28.94
€34.61
+19.6%
6.9%€38.99€30.63n/a19
Feb ’25€30.22
€34.12
+12.9%
7.9%€38.87€28.69n/a19
Jan ’25€30.28
€30.17
-0.4%
14.3%€37.95€22.59n/a18
Dec ’24€24.90
€28.58
+14.8%
14.3%€38.59€22.97n/a18
Nov ’24€22.09
€29.99
+35.8%
15.1%€39.69€23.62n/a19
Oct ’24€24.82
€32.25
+29.9%
12.5%€41.88€25.70€36.7620
Sep ’24€25.86
€31.69
+22.5%
11.5%€40.47€24.83€38.4621
Aug ’24€29.24
€30.95
+5.9%
13.1%€39.78€24.41€39.4621
Jul ’24€23.79
€31.38
+31.9%
15.4%€40.32€22.91€33.3721
Jun ’24€24.07
€33.26
+38.2%
14.9%€48.28€26.00€31.6620
May ’24€27.21
€33.26
+22.2%
14.0%€47.19€25.41€32.1220
Apr ’24€28.20
€41.42
+46.9%
14.3%€52.55€26.74€33.0120
Mar ’24€39.40
€44.87
+13.9%
9.3%€53.76€35.84€28.9420
Feb ’24€39.60
€43.46
+9.8%
9.2%€52.82€35.21€30.2220
Jan ’24€36.80
€43.75
+18.9%
9.2%€51.80€35.79€30.2820
Dec ’23€40.40
€43.85
+8.5%
8.9%€52.25€36.10€24.9019
Nov ’23€40.80
€45.80
+12.2%
11.3%€55.68€33.41€22.0919
Oct ’23€34.40
€46.30
+34.6%
11.8%€56.13€33.68€24.8219

Analyst Forecast: Target price is less than 20% higher than the current share price.


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