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Citizens Financial Group, Inc.
0HYP.LFinancial ServicesLSEUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $12.06B | 15.2% | $1.83B | $2.04B | N/A |
| 2027 | $12.72B | 15.2% | $1.93B | $2.15B | $1.95B |
| 2028 | $13.42B | 15.2% | $2.04B | $2.27B | $1.87B |
| 2029 | $14.16B | 15.2% | $2.15B | $2.39B | $1.80B |
| 2030 | $14.94B | 15.2% | $2.27B | $2.52B | $1.72B |
| 2031 | $15.76B | 15.2% | $2.40B | $2.66B | $1.65B |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $3.86 | 2025-12-31 |
| EPS growth | +28.3% | Forecast years: 5 |
| Future EPS | $13.419 | EPS × (1 + G)^5 |
| Base P/E | 13.9 | P/E |
| Future price | $186.52 | Future EPS × P/E |
| Fair value today | $115.82 | PV @ 10.0% |
| 30% safety price | $81.072 | Margin of safety |
| 50% safety price | $57.908 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $54.874 | $64.802 | $78.341 |
| 10.0% | $44.812 | $52.132 | $61.704 |
| 11.0% | $36.875 | $42.448 | $49.508 |