/CFG
Citizens Financial Group, Inc.
CFG • NYSECFG • NYSE • Financial Services
$56.94-2.67%-1.56
$56.94-2.67%(-1.56)Financial Services
GoAI Score
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Valuation
50Fair Value
Sentiment
100Bullish
Risk
77Low Risk
Momentum
47Neutral
Institutional-Grade Intelligence
🏆PRO
Actionable Intelligence
AI-driven stance, execution logic & risk thresholds
Catalyst Roadmap
Event timeline with expected impact & market context
Deep Insights
Fact-checked analysis & score logic breakdown
Financial Statements
Margin Trends
Gross
69.8%▲12.2pp
Revenue after COGS
Operating
20.9%▲5.6pp
After operating expenses
Net
16.4%▲4.2pp
Bottom-line profitability
Gross Margin
Operating Margin
Net Margin
Valuation Snapshot
P/E Ratio
13.8
Price vs earnings
EV/EBITDA
8.8
Enterprise value
FCF Yield
8.1%
Cash generation
Earnings Yield
7.3%
Inverse of P/E
Capital Efficiency
4
GoAI Quality ScoreWeak
ROEReturn on Equity
7.0%Fair
ROAReturn on Assets
0.8%Fair
ROICReturn on Invested Capital
4.3%Fair
Financial Health
Current RatioAdequate
1.04
Short-term solvency (>1.5)
Net Debt / EBITDANet Cash
-0.54x
Debt repayment capacity (<3x)
Income QualityStrong
1.21
Cash backs earnings (>1)
Revenue & Profitability
Revenue
Net Income
Net Loss
Income Statement
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $11.15B | $12.35B | $12.19B | $9.07B | $6.99B |
| Gross Profit | $7.78B | $7.11B | $7.54B | $7.55B | $7.06B |
| Gross Margin | 69.8% | 57.6% | 61.8% | 83.2% | 101.0% |
| Operating Income | $2.33B | $1.89B | $2.03B | $2.65B | $2.98B |
| Net Income | $1.83B | $1.51B | $1.61B | $2.07B | $2.32B |
| Net Margin | 16.4% | 12.2% | 13.2% | 22.9% | 33.2% |
| EPS | $3.90 | $3.04 | $3.14 | $4.12 | $5.18 |
Average Price Target
$70.08▲ 23.1% Upside
Past 12 Months
12 Month Forecast
Based on 50 Wall Street analysts offering 12 month price targets for Citizens Financial Group, Inc., the average price target is $70.08, with a high forecast of $80.00 and a low forecast of $60.00. The average price target represents a 23.1% increase from the current price of $56.94.
Highest
$80.00
Average
$70.08
Lowest
$60.00
Rating Distribution
Strong Buy
0
0%
Buy
31
82%
Hold
6
16%
Sell
1
3%
Strong Sell
0
0%
Recent Analyst Ratings
FirmActionRatingDate
Baird▲ Upgrade
Neutral→Outperform
2026-03-09Cantor Fitzgerald● Maintain
Overweight
2026-03-03Morgan Stanley● Maintain
Overweight
2026-03-02JP Morgan● Maintain
Overweight
2026-02-09Evercore ISI Group● Maintain
Outperform
2026-02-05Citigroup● Maintain
Buy
2026-01-26Truist Securities● Maintain
Hold
2026-01-26Argus Research● Maintain
Buy
2026-01-23DA Davidson● Maintain
Buy
2026-01-22Morgan Stanley● Maintain
Overweight
2026-01-22Earnings History & Surprises
BEAT RATE
50%
Last 16 quarters
AVG SURPRISE
-4.5%
EPS vs Estimate
BEATS / MISSES
8/8
Last 16 quarters
LATEST EPS
$1.13
Q1 '26
QUARTERLY EPS TREND
Estimated
Beat
Miss
QUARTERLY DETAIL
Q1 '26
+2.7%
$1.13 vs $1.10
Q4 '25
+1.9%
$1.05 vs $1.03
Q3 '25
+4.2%
$0.92 vs $0.88
Q2 '25
+2.8%
$0.77 vs $0.75
Q1 '25
+2.4%
$0.85 vs $0.83
Q4 '24
-2.5%
$0.77 vs $0.79
Q3 '24
-1.3%
$0.78 vs $0.79
Q2 '24
-12.2%
$0.65 vs $0.74
Q1 '24
-52.1%
$0.34 vs $0.71
Q4 '23
-6.6%
$0.85 vs $0.91
Q3 '23
-8.9%
$0.92 vs $1.01
Q2 '23
-11.5%
$1.00 vs $1.13
No investor questions available.
Latest News
No news available