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)
32.6%
2.15
32.48%
S&P 500
13.34%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.72%
EBIT Growth (5y)
12.20%
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
55.53%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
0.96
EV to EBIT
10.77
EV to EBITDA
8.66
EV to Capital Employed
0.95
EV to Sales
1.76
PEG Ratio
1.14
Dividend Yield
331.50%
ROCE (Latest)
8.82%
ROE (Latest)
6.23%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NII(Q)
Highest at USD 1,437 MM
OPERATING PROFIT(Q)
Highest at USD 549 MM
OPERATING PROFIT MARGIN(Q)
Highest at 22.81 %
PRE-TAX PROFIT(Q)
Highest at USD 554 MM
NET PROFIT(Q)
Highest at USD 436 MM
EPS(Q)
Highest at USD 0.92
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 1,286 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 79.56%
Here's what is working for Citizens Financial Group, Inc. (Rhode Island)
NII
Highest at USD 1,437 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Profit
Highest at USD 549 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 22.81 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 554 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 436 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.92
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Citizens Financial Group, Inc. (Rhode Island)
Operating Cash Flow
Lowest at USD 1,286 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Lowest at 79.56% 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 (%)
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