Citizens Financial Group, Inc. provides a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions.
The company’s products and services are off…
Analysis
Weak and unloved
Citizens Financial Group, Inc. scores below average on quality and is priced accordingly, a low-conviction position in either direction.
On valuation, the picture is attractive. The owner-earnings multiple stands at 14.0×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 1% a year, against analyst forecasts of 24%. The price, in other words, assumes less than the experts do.
Growth is solid; the safety picture is stretched. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.
No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.
360° rank · history
1007550250
Jan 2023100
71
2023202420252026
All-time high
100
Jan 2023
All-time low
45
Oct 2025
Average rank
68
across all years
Detailed & Historical Ranks
Deep dive into 15 detailed ranks and 3 years of history.
Current202520242023
Price/Sales
62
91
95
85
Price/Earnings
29
54
79
49
Price/Book
60
81
97
87
Dividend Yield
71
63
74
94
Value (overall)
53
71
90
100
Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.