Citizens Financial Group, Inc. (Rhode Island) (CFG) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Capital One Financial Corp.

JPMorgan Chase & Co.

Credicorp Ltd.

Citigroup, Inc.

Bank of America Corp.

U.S. Bancorp

Huntington Bancshares, Inc.

The PNC Financial Services Group, Inc.

Citizens Financial Group, Inc. (Rhode Island)

Regions Financial Corp.

Wells Fargo & Co.

Why is Citizens Financial Group, Inc. (Rhode Island) ?

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 %

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

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 Report

Verdict Report

How 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)

54.78%

2.15

32.48%

S&P 500

20.34%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.52%

EBIT Growth (5y)

14.35%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

44.52%

Pledged Shares

Institutional Holding

100.00%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.25

EV to EBIT

13.98

EV to EBITDA

11.11

EV to Capital Employed

1.34

EV to Sales

2.68

PEG Ratio

0.73

Dividend Yield

252.43%

ROCE (Latest)

9.61%

ROE (Latest)

6.96%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

GROSS NPA (%)

NII(Q)

Highest at USD 1,562 MM

OPERATING CASH FLOW(Y)

Highest at USD 2,661 MM

ROCE(HY)

Highest at 0.88%

DIVIDEND PER SHARE(HY)

Highest at USD 0

-3What is not working for the Company

ROCE(HY)

Lowest at 0.88%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 40.86%

Here's what is working for Citizens Financial Group, Inc. (Rhode Island)

Non Performing Loans (%)

Lowest at 1.04% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII

Highest at USD 1,562 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Cash Flow

Highest at USD 2,661 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for Citizens Financial Group, Inc. (Rhode Island)

Dividend Payout Ratio

Lowest at 40.86%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)

Capital Adequacy Ratio

Lowest at 11.7%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)