Banks - Regional · NYSE
Current Price
$55.64
Intrinsic Value
Use the calculator below to estimate
Run a full DCF analysis on Citizens Financial Group, Inc. with auto-filled fundamentals, adjustable assumptions, and sensitivity heatmap.
Open DCF Calculator for CFGCitizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, 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. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. 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.
ROIC (TTM)
4.3%
ROE (TTM)
7.2%
FCF Yield
8.52%
Based on trailing twelve-month data, CFG shows a free cash flow per share of N/A and a ROIC of 4.3%, key inputs for stock valuation using the DCF method. The P/FCF ratio of N/A and FCF yield of 8.52% are important context metrics when evaluating CFG's stock valuation relative to peers.
The intrinsic value of CFG depends on your assumptions about future growth rate, discount rate (WACC), and terminal value. Use MiniValuator's free DCF stock valuation calculator to estimate it with your own assumptions and see the sensitivity analysis heatmap.
Whether CFG is undervalued depends on your DCF assumptions. If the calculated intrinsic value is significantly above the current market price, it may be undervalued. The margin of safety indicates the degree of undervaluation. Run a full stock valuation on MiniValuator to find out.
You can value CFG using MiniValuator's DCF stock valuation calculator: enter the ticker, review auto-filled fundamentals, adjust growth rate and discount rate assumptions, then get an instant intrinsic value with sensitivity heatmap.
DCF (Discounted Cash Flow) stock valuation estimates a company's intrinsic value by discounting projected future free cash flows back to their present value. For CFG, you input expected growth rates and a discount rate (WACC), and the model calculates what the stock should be worth today based on its future cash generation.
WACC (Weighted Average Cost of Capital) is the discount rate used in CFG stock valuation. A higher WACC lowers the intrinsic value estimate, while a lower WACC raises it. Use MiniValuator's sensitivity heatmap to see how different WACC assumptions impact the CFG DCF valuation result.
