ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Citizens Financial Group, Inc. (Rhode Island) ?
1
The company has declared positive results in Mar'2025 after 6 consecutive negative quarters
- NII(Q) Highest at USD 1,437 MM
- OPERATING PROFIT(Q) Highest at USD 549 MM
- OPERATING PROFIT MARGIN(Q) Highest at 22.81 %
2
With ROA of 0.44%, it has a fair valuation with a 0.96 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 26.22%, its profits have risen by 8.2% ; the PEG ratio of the company is 1.1
- At the current price, the company has a high dividend yield of 331.5
3
Market Beating Performance
- The stock has generated a return of 26.22% in the last 1 year, much higher than market (S&P 500) returns of 14.11%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Citizens Financial Group, Inc. (Rhode Island) should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Citizens Financial Group, Inc. (Rhode Island) for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Citizens Financial Group, Inc. (Rhode Island)
40.03%
2.15
32.48%
S&P 500
17.45%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.52%
EBIT Growth (5y)
14.35%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
44.52%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.12
EV to EBIT
13.30
EV to EBITDA
11.77
EV to Capital Employed
1.14
EV to Sales
2.61
PEG Ratio
0.49
Dividend Yield
273.79%
ROCE (Latest)
8.59%
ROE (Latest)
6.60%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Highest at 0.83%
NII(Q)
Highest at USD 1,537 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 670 MM
OPERATING PROFIT MARGIN(Q)
Highest at 27.39 %
PRE-TAX PROFIT(Q)
Highest at USD 677 MM
NET PROFIT(Q)
Highest at USD 528 MM
EPS(Q)
Highest at USD 1.13
-4What is not working for the Company
ROCE(HY)
Lowest at 0.83%
CREDIT DEPOSIT RATIO(HY)
Lowest at 77.84%
Here's what is working for Citizens Financial Group, Inc. (Rhode Island)
Non Performing Loans (%)
Lowest at 1.05% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 1,537 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Profit
Highest at USD 670 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 27.39 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 677 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 528 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.13
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for Citizens Financial Group, Inc. (Rhode Island)
Credit Deposit Ratio
Lowest at 77.84% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
