CFG

NYSE

CITIZENS FINANCIAL GROUP INC/RI

Financials, Regional Banks

$72.67

close 7 Aug 2026

+54.85%

52-week change

$30.72B

market cap

$46.79

$74.70

52-week range

Expected price

$44.84 – $54.80

Current price

$72.67

Signal

Could be overvalued

A historical-multiple reference, never a fair-value claim. The band uses only data public at each date and ends at the latest month — no forward estimates.

Current multiples

P/E (TTM)15.80x

P/S (TTM)3.07x

P/B1.17x

EV/EBITDA (TTM)—

FCF yield (TTM)7.66%

PEG (TTM, GAAP)—

Context

P/E, own 5-year average11.91x

P/E, sector median16.04x*

Price at 5-year median P/E$49.94*

Indicated dividend yield2.53%

Forward — analyst consensus

Forward P/E (FY2026)13.70x*

Forward P/E (FY2027)11.16x

Forward PEG0.60*

Consensus EPS FY2026 (13 analysts)$5.30

EPS growth (FY2026→FY2027)22.84%

Revenue growth (FY2026)11.33%

Street view

Price target (mean)$80.59*

Target upside10.90%

Ratings (buy / hold / sell)15 / 3 / 0

FY2026 EPS revisions, 30d (up / down)11 / 1

5-year history

Dashed line: average of month-end values

P/E (TTM)

P/S (TTM)

P/B

FCF yield (TTM)

Dividend yield

period to 30 Jun 2026, filed 3 Aug 2026, close 7 Aug 2026

Discounted cash flow

Ten projected years plus a perpetuity, prefilled from filings — a model to argue with, never a fair-value claim.

Free cash flow, last ten years and TTM

10Y CAGR +6.28%

Assumptions

Growth rate, years 1–10%

Perpetual growth%Discount rate%

Base FCF$M

As filed — not assumptions

Current price$72.67

Cash & equivalents—

Total debt$16.35B

Shares outstanding422.68M

Result

DCF price per share—

Current price$72.67

Margin of safety—

PV of years 1–10$21.56B

PV of terminal value$37.35B

Equity value—

Market-implied growth—

Projected FCF, years 1–10

Hover for PV and growth

Projection detail

Override growth for any year; blank years use the uniform rate

Year	2026	2027	2028	2029	2030	2031	2032	2033	2034	2035	Terminal
Growth, %											2.5
FCF	$2.50B	$2.66B	$2.82B	$3.00B	$3.19B	$3.39B	$3.60B	$3.83B	$4.07B	$4.33B	$80.63B
PV	$2.32B	$2.28B	$2.24B	$2.21B	$2.17B	$2.14B	$2.10B	$2.07B	$2.04B	$2.00B	$37.35B

period to 30 Jun 2026, filed 3 Aug 2026, close 7 Aug 2026