Citizens Financial Group, Inc. CFG-PE NYSE

Citizens Financial Group, Inc. (CFG-PE) has shown moderate revenue growth over the past 3 years, expanding from $9.1B to $11.1B (average +8.7%/yr). Net income reached $1.8B, reflecting earnings decline at -2.4%/yr on average. The net profit margin is 16.4%, which is high. The company has maintained profitability in all 4 of the past 4 years, demonstrating a consistent earnings track record. The gross margin is 69.8% (high), with a -13.4pp trend over the period. With a $8B market cap and MOAT composite score of 63/100, the company has a moderate competitive position.

Criteria proven by this page:

• GROWTH (40/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 15-year history, the company was profitable in 14 of 15 years — an excellent long-term track record
• INCOME (70/100, Pass) — proves strong profitability and pricing power
• MOAT (63/100, Partial) — some competitive advantages are present but not dominant

Overall SharesGrow Score: 66/100 with 3/7 criteria passed.