CFG PE Ratio & Valuation,Is CFG Overvalued

CFG Relative Valuation

CFG's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CFG is overvalued; if below, it's undervalued.

Historical Valuation

Citizens Financial Group Inc (CFG) is now in the Overvalued zone, suggesting that its current forward PE ratio of 12.32 is considered Overvalued compared with the five-year average of 9.86. The fair price of Citizens Financial Group Inc (CFG) is between 44.18 to 57.53 according to relative valuation methord. Compared to the current price of 58.47 USD , Citizens Financial Group Inc is Overvalued By 1.63%.

Relative Value

Fair Zone

44.18-57.53

Current Price：58.47

1.63%

Overvalued

12.32

0.00

EV/EBITDA

Citizens Financial Group Inc. (CFG) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Citizens Financial Group Inc. (CFG) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.85

Citizens Financial Group Inc. (CFG) has a current PS of 2.85. The 5-year average PS is 2.30. The thresholds are as follows: Strongly Undervalued below 1.44, Undervalued between 1.44 and 1.87, Fairly Valued between 2.73 and 1.87, Overvalued between 2.73 and 3.16, and Strongly Overvalued above 3.16. The current Forward PS of 2.85 falls within the Overvalued range.

0.00

P/OCF

Citizens Financial Group Inc. (CFG) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Citizens Financial Group Inc. (CFG) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Citizens Financial Group Inc (CFG) has a current Price-to-Book (P/B) ratio of 1.06. Compared to its 3-year average P/B ratio of 0.78 , the current P/B ratio is approximately 35.63% higher. Relative to its 5-year average P/B ratio of 0.83, the current P/B ratio is about 27.66% higher. Citizens Financial Group Inc (CFG) has a Forward Free Cash Flow (FCF) yield of approximately 10.85%. Compared to its 3-year average FCF yield of 17.36%, the current FCF yield is approximately -37.47% lower. Relative to its 5-year average FCF yield of 14.31% , the current FCF yield is about -24.16% lower.

1.06

P/B

Median3y

0.78

Median5y

0.83

10.85

FCF Yield

Median3y

17.36

Median5y

14.31

Competitors Valuation Multiple

The average P/S ratio for CFG's competitors is 2.92, providing a benchmark for relative valuation. Citizens Financial Group Inc Corp (CFG) exhibits a P/S ratio of 2.85, which is -2.48% above the industry average. Given its robust revenue growth of 11.27%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of CFG increased by 36.12% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 22.07 to 25.65.

The secondary factor is the Revenue Growth, contributed 11.27%to the performance.

Overall, the performance of CFG in the past 1 year is driven by Margin Expansion. Which is more sustainable.

11.27%

1.73B → 1.93B

Revenue Growth

16.22%

22.07 → 25.65

Margin Expansion

8.63%

15.04 → 16.34

P/E Change

36.12%

42.89 → 58.39

Mkt Cap Growth

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Frequently Asked Questions

Is Citizens Financial Group Inc (CFG) currently overvalued or undervalued?

What is Citizens Financial Group Inc (CFG) fair value?

CFG's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Citizens Financial Group Inc (CFG) is between 44.18 to 57.53 according to relative valuation methord.

How does CFG's valuation metrics compare to the industry average?

What is the current P/B ratio for Citizens Financial Group Inc (CFG) as of Dec 16 2025?

As of Dec 16 2025, Citizens Financial Group Inc (CFG) has a P/B ratio of 1.06. This indicates that the market values CFG at 1.06 times its book value.

What is the current FCF Yield for Citizens Financial Group Inc (CFG) as of Dec 16 2025?

As of Dec 16 2025, Citizens Financial Group Inc (CFG) has a FCF Yield of 10.85%. This means that for every dollar of Citizens Financial Group Inc’s market capitalization, the company generates 10.85 cents in free cash flow.

What is the current Forward P/E ratio for Citizens Financial Group Inc (CFG) as of Dec 16 2025?

As of Dec 16 2025, Citizens Financial Group Inc (CFG) has a Forward P/E ratio of 12.32. This means the market is willing to pay $12.32 for every dollar of Citizens Financial Group Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Citizens Financial Group Inc (CFG) as of Dec 16 2025?

As of Dec 16 2025, Citizens Financial Group Inc (CFG) has a Forward P/S ratio of 2.85. This means the market is valuing CFG at $2.85 for every dollar of expected revenue over the next 12 months.

CFG Valuation

CFG Valuation

CFG Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is Citizens Financial Group Inc (CFG) currently overvalued or undervalued?

What is Citizens Financial Group Inc (CFG) fair value?

How does CFG's valuation metrics compare to the industry average?

What is the current P/B ratio for Citizens Financial Group Inc (CFG) as of Dec 16 2025?

What is the current FCF Yield for Citizens Financial Group Inc (CFG) as of Dec 16 2025?

What is the current Forward P/E ratio for Citizens Financial Group Inc (CFG) as of Dec 16 2025?

What is the current Forward P/S ratio for Citizens Financial Group Inc (CFG) as of Dec 16 2025?