# Citizens Financial Group Inc. (CFG) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $70.78, market value $29.8 billion.

## Valuation
- **P/E (trailing): 15.4×** (5-yr avg 10.8×, 3-yr avg 12.8×). Citizens Financial Group Inc. trades at 15.4× trailing earnings, well above its own five-year average of 10.8×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.8×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.40**. A PEG of 0.40 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 17.0×**. Each dollar of revenue is priced at 17.0×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 6.5%**. The inverse of the P/E: 6.5% of the price is earned each year.

## Profitability
- **Net margin: 112.0%**. 112.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 7.0%**. 7.0% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.9%**. Each dollar of assets produces 0.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 6.7%** (3-yr 8.0%/yr, 5-yr 8.6%/yr). Revenue grew 6.7% over the last year, against 8.6% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 27.4%** (3-yr -2.0%/yr, 5-yr 11.7%/yr). Earnings per share rose 27.4%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.

## Dividends
- **Dividend yield: 2.60%** ($1.80 per share, trailing). Citizens Financial Group Inc. yields 2.60%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 41%**. 41% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 12**. 12 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 2.0%/yr** (1-yr 2.4%). The dividend has grown 2.0% a year over five years.

## Analyst view
- **Analyst consensus: buy** (17 analysts). 17 analysts cover Citizens Financial Group Inc.; the consensus is buy, with an average price target of $80.82 (+14% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 38.0%** (YTD 22.9%, 3-mo 10.6%). The shares are up 38.0% over twelve months including dividends.
- **From 52-week high: -6.0%** (47.6% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 1.00** (volatility 26%). Beta of 1.00 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CFG · Page: https://foliofundamentals.com/stocks/cfg

Not investment advice.