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Citizens Financial Group, Inc.
CFGFinancial ServicesNYSEUS
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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 | $11.15B | 16.4% | $1.83B | $2.04B | N/A |
| 2027 | $11.76B | 16.4% | $1.93B | $2.15B | $1.96B |
| 2028 | $12.41B | 16.4% | $2.03B | $2.27B | $1.88B |
| 2029 | $13.09B | 16.4% | $2.15B | $2.40B | $1.80B |
| 2030 | $13.81B | 16.4% | $2.26B | $2.53B | $1.73B |
| 2031 | $14.57B | 16.4% | $2.39B | $2.67B | $1.66B |
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 | 13.8 | P/E |
| Future price | $185.18 | Future EPS × P/E |
| Fair value today | $114.98 | PV @ 10.0% |
| 30% safety price | $80.489 | Margin of safety |
| 50% safety price | $57.492 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $179.82 | $189.66 | $203.07 |
| 10.0% | $169.85 | $177.10 | $186.59 |
| 11.0% | $161.98 | $167.50 | $174.50 |