Calculated
DCF
Free cash flow, growth, discount rate, and terminal growth form an intrinsic value range.
98.90 USD141.97 USD187.83 USD
-54.47%
141.97 USDCurrent price is 54.5% below the base model value.
C
US
CFG.US · CITIZENS FINANCIAL GROUP INC/RI
US · US
Latest price64.64 USD
30D-12.91%
Vs. base value-29.3%
Research summary
CFG.US latest organized financial period shows revenue grew +5.61% YoY and net income grew +21.34% YoY. Current price is about 64.64 USD, while the model base case is about 91.43 USD; the current price sits -29.3% versus the base case. No structured non-recurring items are identified, so valuation defaults to reported figures. This summary is intended for public-information research and model review.
Key financial trend
Annual financial metrics with switchable views. · Unit: USD
Revenue8B USD
Net income2B USD
Free cash flow2B USD
Operating cash flow2B USD
Price trend
Price date: 2026/04/29 · Updated: 2026/04/29 15:26
Valuation model range
Hover each model row to inspect formulas and inputs.
Current price64.64 USD
Base value91.43 USD
Vs. base-29.3%
Price date2026/04/29
71.32 USD91.43 USD119.55 USD
-29.3%
Calculated
Owner Earnings
Uses recent net income as an owner-earnings proxy and discounts scenario growth.
43.74 USD40.89 USD51.27 USD
+58.08%
40.89 USDCurrent price is 58.1% above the base model value.
Calculated
Reverse DCF
Solves the forward FCF growth rate implied by the current price.
Implied growth0.2%
Current price implies roughly 0.2% annualized FCF growth.
0.2%Current price implies roughly 0.2% annualized FCF growth.
Excluded
Earnings Power Value
Estimates earnings power value without assuming growth.
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-
-Operating income data is insufficient.
Updated: 2026/04/29 15:26
Valuation basis and non-recurring items
Collapsed by default. Expand to inspect structured one-time items and adjusted figures without making them the primary page focus.
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Valuation basis and non-recurring items
Collapsed by default. Expand to inspect structured one-time items and adjusted figures without making them the primary page focus.
A positive amountAfterTax means the item increased reported net income; a negative value means it reduced reported net income. Adjusted net income = reported net income minus total after-tax impact. Valuation defaults to reported figures; adjusted figures are shown to observe one-time-item impact.
No structured non-recurring items identified. Valuation currently defaults to reported figures and does not claim one-time gains have been removed.
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Quarterly and annual financial table
Financial DetailsShowing latest 5 / 14
| Period | Type | Revenue | Net Income | Adjusted net income | Free Cash Flow | Diluted EPS | Adjusted EPS |
|---|---|---|---|---|---|---|---|
| 2025/12/31 | Annual | 8B USD | 2B USD | - | 2B USD | 3.86 | - |
| 2024/12/31 | Annual | 8B USD | 2B USD | - | 2B USD | 3.03 | - |
| 2023/12/31 | Annual | 8B USD | 2B USD | - | 3B USD | 3.13 | - |
| 2022/12/31 | Annual | 8B USD | 2B USD | - | 4B USD | 4.1 | - |
| 2021/12/31 | Annual | 7B USD | 2B USD | - | 2B USD | 5.16 | - |
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