SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Citizens Financial Group, Inc. (CFG) trades at a trailing P/E of 15.0, forward P/E of 12.6. Trailing earnings yield is 6.64%, forward earnings yield 7.92%. PEG 0.55 (Peter Lynch undervalued ≤1.0). Graham Number is $76.33.
Criteria proven by this page:
- VALUE (77/100, Pass) — P/E is below market average (15.0); PEG ≤ 1.0 — Peter Lynch undervalued (0.55); earnings yield beats bond yields (6.64%).
- Forward P/E 12.6 (down from trailing 15.0) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.55 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 6.64% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 7.92% as earnings recover.
- Analyst consensus target $70.75 (+9.1% upside) — modest upside expected.
Overall SharesGrow Score: 70/100 with 4/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
77/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
50/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — CFG
Valuation Multiples
P/E (TTM)15.0
Forward P/E12.6
PEG Ratio0.55
Forward PEG0.38
P/B Ratio1.05
P/S Ratio2.46
EV/EBITDA9.6
Per Share Data
EPS (TTM)$4.24
Forward EPS (Est.)$5.14
Book Value / Share$61.01
Revenue / Share$25.84
FCF / Share$4.72
Yields & Fair Value
Earnings Yield6.64%
Forward Earnings Yield7.92%
Dividend Yield2.76%
Graham Number$76.33
SharesGrow IV$86.30 (+33%)
Analyst Target$70.75 (+9.1%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
17.8 |
0.66 |
0.94 |
3.23 |
1.37% |
| 2017 |
12.8 |
0.19 |
1.04 |
3.27 |
1.59% |
| 2018 |
8.3 |
0.96 |
0.68 |
1.94 |
3.41% |
| 2019 |
10.2 |
1.29 |
0.82 |
2.26 |
3.73% |
| 2020 |
14.4 |
-0.34 |
0.67 |
1.99 |
5.04% |
| 2021 |
8.7 |
0.07 |
0.86 |
2.88 |
3.89% |
| 2022 |
9.0 |
-0.44 |
0.79 |
2.07 |
4.76% |
| 2023 |
9.8 |
-0.41 |
0.65 |
1.29 |
5.89% |
| 2024 |
13.1 |
-4.10 |
0.81 |
1.60 |
4.58% |
| 2025 |
13.8 |
0.49 |
0.96 |
2.26 |
3.52% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.97 |
$5.76B |
$1.05B |
18.1% |
| 2017 |
$3.25 |
$6.45B |
$1.65B |
25.6% |
| 2018 |
$3.52 |
$7.35B |
$1.72B |
23.4% |
| 2019 |
$3.81 |
$8.07B |
$1.79B |
22.2% |
| 2020 |
$2.22 |
$7.68B |
$1.06B |
13.8% |
| 2021 |
$5.16 |
$6.99B |
$2.32B |
33.2% |
| 2022 |
$4.10 |
$9.07B |
$2.07B |
22.9% |
| 2023 |
$3.13 |
$12.19B |
$1.61B |
13.2% |
| 2024 |
$3.03 |
$12.35B |
$1.51B |
12.2% |
| 2025 |
$3.86 |
$11.15B |
$1.83B |
16.4% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$5.12 |
$4.96 – $5.30 |
$9.09B |
$8.96B – $9.16B |
14 |
| 2027 |
$6.29 |
$5.92 – $6.69 |
$9.82B |
$9.63B – $10B |
14 |
| 2028 |
$7.13 |
$6.61 – $7.62 |
$10.2B |
$10.16B – $10.25B |
4 |
