Citizens Financial Group (CFG) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Citizens Financial Group

NYSE•Financial Services•Banks - Regional

$63.81-1.43(-0.02%)Market closed

Market Cap

$27.11B

P/E

12.0x

P/S

3.0x

P/B

1.1x

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, and wealth management services; and education and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

How this company scores

GoodMetricSide Score: 64/100

Strongest: Growth (23/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability21/25

Growth23/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality12/25

Strengths

Strong marginsRising earningsProfit converts from growthConsistent growth

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.0x5y range 5.5x – 14.1x

Currently near its 20-quarter median.

P/S · 3.0x5y range 1.4x – 3.4x

Currently near its 20-quarter median.

P/B · 1.1x5y range 0.5x – 1.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Leverage Risk

Watch

Debt-to-equity has risen 67.3% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $27.11B

Metrics at a Glance

as of September 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $8.93B
Q. Revenue: $2.32B
TTM EBITDA: $2.89B
TTM Op. Income: $2.89B
Q. Op. Income: $804.00M
TTM Net Income: $2.27B
Q. Net Income: $636.00M
EPS: $1.42
Shares Out.: $421.15M

$8.93B in TTM revenue grew 10.6% YoY, reaching $2.32B last quarter. TTM EBITDA of $2.89B and TTM operating income of $2.89B show growth is flowing through to the bottom line. TTM net income of $2.27B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 6 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 34.6%
Op. Margin: 34.6%
Net Margin: 27.4%

Op. margin of 34.6% is up 4.9% YoY — cost efficiency is improving. Net margin at 27.4% Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.0x
P/S Ratio: 3.0x
P/B Ratio: 1.1x

At 12.0x P/E, the stock trades below typical market levels. P/S of 3.0x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 12% — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $234.46B
Cash: $1.04B
Long-Term Debt: $17.01B
Book Value: $25.16B
D/E Ratio: 0.7
Debt/EBITDA: 21.2

With $234.46B in assets and $17.01B in long-term debt, D/E is 0.7and book value is $25.16B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has risen for 4 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $453.00M
TTM Free Cash Flow: $1.26B
FCF Margin: 14.1%
FCF / Net Income: 0.6

TTM FCF of $1.26B on $453.00M in operating cash flow. The FCF / Net Income ratio of 0.6x means cash covers only part of net income — earnings quality needs attention. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.