CFG
CITIZENS FINANCIAL GROUP INC/RIData updated: 2026-04-28 · Current price: $60.86
Composite Score: 42
PASS
Score: 42 / 100
Insufficient margin of safety — pass on this opportunity
Profitability
50
Growth
43
Valuation
33
Moat
25
Stability
57
Business Quality
ROE · Gross Margin · Revenue Growth
ROE
7.0%
Quality threshold: > 15%
Gross Margin
N/A
Quality threshold: > 40%
Rev. Growth (5yr)
5.5%
Quality threshold: > 5%
5-Year ROE: 7.0% → 6.2% → 6.6% → 8.8% → 9.9%|5-Year Gross Margin: 0.0% → 0.0% → 0.0% → 0.0% → 0.0%
Financial Strength
Debt Ratio · Free Cash Flow · Current Ratio
Debt / Equity
7.6
Quality threshold: < 0.5
FCF (5yr avg)
2.7B $
Quality threshold: > 0
Current Ratio
1.13x
Quality threshold: > 1.5
FCF Trend (B USD)
$2.2B2022
$2.0B2023
$3.0B2024
$4.1B2025
$2.3B2026
Valuation
Intrinsic Value · Margin of Safety
Owner Earnings
$1.8B
Net Income + D&A - CapEx
Current Price
$60.86
Source: Alpha Vantage
💡 Valuation Note: Intrinsic value based on DCF model, adjustable above. Visit the DCF Calculator for full three-stage valuation.
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