Is Citizens Financial Group (CFG) overvalued or fairly valued?

MarketChacha shows Citizens Financial Group's valuation in context — a trailing P/E of about 16.0, a forward P/E of about 10.8, a price-to-book of about 1.2 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Citizens Financial Group's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.45×) from reported figures — education, not a rating.

What is Citizens Financial Group's revenue?

Citizens Financial Group reported revenue of $1.6B for FY2025, with net profit of $1.8B, per official filings.

What is the share price of Citizens Financial Group (CFG)?

Citizens Financial Group last traded at $70.29 (+0.7% on the day), as of 9/3/2026 — a delayed quote shown for education, not investment advice.

Citizens Financial Group

CFG · NYSE · Financials · United States

Snapshot

TickerCFG

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees17,727

HeadquartersProvidence, United States

Websitewww.citizensbank.com

Filings tracked18

About Citizens Financial Group

Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and education and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

Who owns it

Insiders0.7%
Institutions99.3%
Public & other0.0%

1,497 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.11.57%
Vanguard Capital Management LLC6.39%
Capital World Investors5.52%
Invesco Ltd.5.26%
State Street Corporation5.04%
Vanguard Portfolio Management LLC4.88%
Morgan Stanley2.91%
Geode Capital Management, LLC2.81%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

Margin has compressed by about 15.0 points over the period — profitability is trending down.

Cash conversion1.45×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend127.0% → 112.0%

Margin has compressed by about 15.0 points over the period — profitability is trending down.

Return on equity7.0%

Latest ROE of 7.0% is on the low side — the business earns a modest return on shareholder capital.

Growth qualityrev 14% · PAT 7%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $2.4B · EPS 1.48

Est. earnings growth +31.3%

Next fiscal year

Rev $10.0B · EPS 6.52

Est. earnings growth +23.0%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$1.6B

Net margin

112.0%

ROE

7.0%

Revenue CAGR (2y)

+13.6%

Profit CAGR (2y)

+6.7%

EPS (FY2025)

3.86

Net profit (FY2025)

$1.8B

Ask MarketChacha about CFG

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$1.6B	$1.8B	3.86	112.0%	7.0%
FY2024	$1.5B	$1.5B	3.03	98.4%	6.2%
FY2023	$1.3B	$1.6B	3.13	127.0%	6.6%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$451.0M	$587.0M	1.30	130.2%
2026Q1	$415.0M	$517.0M	1.13	124.6%
2025Q3	$452.0M	$494.0M	1.05	109.3%
2025Q2	$383.0M	$436.0M	0.92	113.8%
2025Q1	$367.0M	$373.0M	0.77	101.6%
2024Q3	$367.0M	$382.0M	0.77	104.1%
2024Q2	$402.0M	$392.0M	0.78	97.5%
2024Q1	$367.0M	$334.0M	0.65	91.0%
2023Q3	$310.0M	$430.0M	0.85	138.7%
2023Q2	$323.0M	$478.0M	0.92	148.0%
2023Q1	$309.0M	$511.0M	1.00	165.4%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC8/3/2026
8-K — Security holder rights, Bylaw/charter change, Other events, Exhibits
SEC7/31/2026material
8-K — Other events, Exhibits
SEC7/21/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC7/16/2026material
10-Q filing
SEC5/4/2026
8-K — Shareholder vote results
SEC4/24/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC4/16/2026material
10-K filing
SEC2/12/2026
8-K — Other events, Exhibits
SEC1/29/2026material
8-K — Other events, Exhibits
SEC1/22/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC1/21/2026material

2025

10-Q filing
SEC11/3/2025
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC10/15/2025material
8-K — Executive/director change, Exhibits
SEC10/7/2025material
8-K — Bylaw/charter change, Exhibits
SEC10/6/2025material
8-K — Executive/director change, Exhibits
SEC8/12/2025material
10-Q filing
SEC8/4/2025
8-K — Security holder rights, Bylaw/charter change, Other events, Exhibits
SEC7/31/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.