Citizens Financial Group, Inc. (CFG)
NYSE · Financials · market cap 26.33B
Share price
$64.93
At the last nightly close
Intrinsic value
$49.40
A single conservative estimate.
Margin of safety
-23.9%
($49.40 − $64.93) ÷ $64.93
EV / EBIT
n/a
Not ranked: financial sector.
How these numbers are computed
The valuations are calculated in Python from filed accounts, not written by a language model. Three methods run side by side: earnings power value, which capitalises a normalised operating profit; a free-cash-flow model; and the Graham Number as an asset-side cross-check. The conservative figure above starts from the lower of the first two; the Graham Number never enters it.
The frame gives no credit for growth unless the company has earned it: only a return on invested capital that has beaten the cost of capital year after year earns a growth credit, and that credit is capped. A company that compounds will therefore usually read as expensive against it — that is deliberate. It is a price-discipline floor, not a price target, and it is not a view on what the shares will do.
The EV/EBIT ranking uses the median operating profit of up to fifteen fiscal years — a full cycle — where the free screeners use the last twelve months. When the data cannot support a method, the figure reads n/a rather than a number: a free-cash-flow valuation on a bank, a PEG on erratic earnings, a multiple on a company with no operating profit to speak of.
Fundamentals from SEC EDGAR. Prices, market data and technicals from yfinance. Valuation computed 2026-09-02.
Key metrics
Market position
Annual financials
| Period | Revenue | Operating income | Net income | EPS | Free cash flow |
|---|---|---|---|---|---|
| 2025-FY | 8.25B | n/a | 1.83B | 3.90 | 2.04B |
| 2024-FY | 7.81B | n/a | 1.51B | 3.05 | 1.88B |
| 2023-FY | 8.22B | n/a | 1.61B | 3.14 | 2.79B |
| 2022-FY | 8.02B | n/a | 2.07B | 4.12 | 3.99B |
| 2021-FY | 6.65B | n/a | 2.32B | 5.16 | n/a |
Filed figures from SEC EDGAR, in the reporting currency.
Next earnings
Recent news
- Citizens Financial Group (NYSE:CFG) - Stock Analysis - Simply Wall Stsimplywall.st
- CFG Earnings: Latest Report, Earnings Call & Financialspublic.com
- CFG Stock Price, News & Analysis | Citizens Finl Groupstocktitan.net
- Perplexityperplexity.ai
- Citizens Financial Group, Inc. (CFG) Stock Price, News, Quote & History - Yahoo Financefinance.yahoo.com
Headlines link to their source. Sperio does not republish article text.
The figures above are the arithmetic. To see what a board of eight AI agents makes of them — macro, sector, filings, news and a devil's advocate whose only job is to attack the thesis — run the full analysis on CFG.
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This page presents computed figures and filed financial data for information only. It is not investment advice, not a recommendation to buy or sell any security, and not a statement about what these shares will do. Sperio is a research tool, not an investment adviser. Figures are derived automatically from public filings and market data and may be incomplete, out of date or wrong. See the Terms & Disclaimer.