CFG
Citizens Financial Group·NYSE
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4.92 / 10
Netural
CFG's fundamental score is 4.92, indicating average health. Key positives include a 36.7% gross profit margin and a 100% total profit/EBIT ratio, while YoY profit growth of 23.3% shows momentum. However, Profit-MV remains a drag, and net assets per share grew only 12.2% year-over-year, suggesting room for improvement. Overall, the company is stable but not exceptional on fundamentals.
Analysis Checks(8/10)
Net assets per share (growth rate compared to beginning of year %)
Value12.21
Score2/3
Weight6.40%
1M Return3.75%
Value12.21
Score2/3
Weight6.40%
1M Return3.75%
Net profit attributable to parent company shareholders / Net profit (%)
Value92.19
Score2/3
Weight8.20%
1M Return4.63%
Value92.19
Score2/3
Weight8.20%
1M Return4.63%
Profit-MV
Value1.39
Score0/3
Weight8.29%
1M Return4.15%
Value1.39
Score0/3
Weight8.29%
1M Return4.15%
PB-ROE
Value-0.93
Score3/3
Weight12.56%
1M Return6.02%
Value-0.93
Score3/3
Weight12.56%
1M Return6.02%
Asset-MV
Value-0.50
Score3/3
Weight22.19%
1M Return10.42%
Value-0.50
Score3/3
Weight22.19%
1M Return10.42%
Revenue-MV
Value-0.04
Score2/3
Weight11.42%
1M Return6.44%
Value-0.04
Score2/3
Weight11.42%
1M Return6.44%
Gross profit margin (%)
Value36.70
Score3/3
Weight5.81%
1M Return3.43%
Value36.70
Score3/3
Weight5.81%
1M Return3.43%
Total profit (YoY growth rate %)
Value23.31
Score1/3
Weight5.67%
1M Return3.23%
Value23.31
Score1/3
Weight5.67%
1M Return3.23%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight5.81%
1M Return3.43%
Value100.00
Score3/3
Weight5.81%
1M Return3.43%
Cash-MV
Value0.14
Score3/3
Weight13.65%
1M Return7.61%
Value0.14
Score3/3
Weight13.65%
1M Return7.61%
Net assets per share (growth rate compared to beginning of year %)
Value12.21
Score2/3
Weight6.40%
1M Return3.75%
Value12.21
Score2/3
Weight6.40%
1M Return3.75%
Revenue-MV
Value-0.04
Score2/3
Weight11.42%
1M Return6.44%
Value-0.04
Score2/3
Weight11.42%
1M Return6.44%
Net profit attributable to parent company shareholders / Net profit (%)
Value92.19
Score2/3
Weight8.20%
1M Return4.63%
Value92.19
Score2/3
Weight8.20%
1M Return4.63%
Gross profit margin (%)
Value36.70
Score3/3
Weight5.81%
1M Return3.43%
Value36.70
Score3/3
Weight5.81%
1M Return3.43%
Profit-MV
Value1.39
Score0/3
Weight8.29%
1M Return4.15%
Value1.39
Score0/3
Weight8.29%
1M Return4.15%
Total profit (YoY growth rate %)
Value23.31
Score1/3
Weight5.67%
1M Return3.23%
Value23.31
Score1/3
Weight5.67%
1M Return3.23%
PB-ROE
Value-0.93
Score3/3
Weight12.56%
1M Return6.02%
Value-0.93
Score3/3
Weight12.56%
1M Return6.02%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight5.81%
1M Return3.43%
Value100.00
Score3/3
Weight5.81%
1M Return3.43%
Asset-MV
Value-0.50
Score3/3
Weight22.19%
1M Return10.42%
Value-0.50
Score3/3
Weight22.19%
1M Return10.42%
Cash-MV
Value0.14
Score3/3
Weight13.65%
1M Return7.61%
Value0.14
Score3/3
Weight13.65%
1M Return7.61%
Is CFG undervalued or overvalued?
- CFG scores 4.92/10 on fundamentals and holds a Fair valuation at present. Backed by its 6.68% ROE, 22.20% net margin, 17.32 P/E ratio, 1.11 P/B ratio, and 27.87% earnings growth, these metrics solidify its Netural investment rating.
