NYSE · CFG
Citizens Financial Group, Inc.
Financial Services · Banks - Regional
$63.60▼ 0.25% ($0.16)today
As of 3:55 PM ET
Market cap
$26.90B
P/E
Valuation
P/E Valuation
Verdict: expensive. Price above all scenarios.
Estimated value / share · Base
$48.16
−24%Price vs. estimate range
Assumption scenarios, not confidence intervals
Bear $61.14, Base $48.16, Bull $51.57; price used $63.60
Bear $61.14, Base $48.16, Bull $51.57; price used $63.60
- P/E multiple
- 9.7×
- Earnings basis
- Trailing EPS
USD · Trailing earnings · Price Oct 1, 7:55 PM UTC
Price vs Fundamentals
Why The Stock Is Moving
Note: The most recent financial data is over 3 months old. Metrics shown may not reflect the latest reporting period.
What changed
The stock rose 20.52% over the last year. Revenue declined 4.47% over the trailing twelve months. Operating margin moved from 16.66% to 23.64%. Free cash flow grew 103.37% over the trailing twelve months.
What the market seems to be pricing
The stock move broadly lines up with stronger business momentum, and the shares are still only around the 54th percentile of their historical P/FCF range.
What would invalidate this read
Operating margin is at 23.64%. Revenue declined 4.47% — this thesis depends on that trajectory holding. If revenue growth, margins, or free cash flow roll over while the stock keeps climbing, more of the move would be coming from multiple expansion than business progress.
Return analysis
Company profile
Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive suite of retail and commercial banking solutions across the United States.
Market multiples
Stock splits
No stock splits recorded for this ticker.
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Analyst consensus
30
Buy
7
Hold
1
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Oct 16, 2026
Q3 FY26 · EPS est $1.39 · Revenue est $2.34B
View
Institutional Sentiment
Citizens Financial Group, Inc. · CFG
From Form 13F filings (managers with $100M+). Filings land up to 45 days after quarter end — read this as positioning context, not live fund flow.