CFG Citizens Financial Group, Inc.

Financial Services

Price

$72.70

Intrinsic value

$52.94

Buy price

$42.35

Discount

-37.3%

Overvalued

DCF walkthrough

This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.

Discount rate9.00%

Margin of safety20.00%

Operating CF: $2,501,000,000.00
Total debt: $16,348,999,680.00
Cash & STI: $13,866,999,808.00
Shares out.: 426,681,848

Overvalued

Intrinsic value$52.78

Buy price (with MOS)$42.22

Current price$72.70

Discount to intrinsic value-37.7%

7-step quality scorecard

ROE quality

LOW

Average ROE: 7.1%
Current ROE: 7.0%
Minimum ROE: 6.2%

Debt quality

MODERATE

Debt / Equity: 0.62x

Moat proxy

WEAK_PROXY

Cash-flow reliability

NOT_APPLICABLE

Operating CF / Net income: 1.26x

Technical chart

Confluence: NONE (0/3)

Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.

Assumptions & data quality

Data source: yfinance
Growth (g1) source: min(cfCAGR,revenueCAGR)
Valuation model: EXCESS_RETURN
Debt as % of DCF PV: 96.1%
Public economic interest: 100.0%

These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.