Citizens

NYSE
CFG
Stock
Yield per half year: -6.97%
Dividend yield: 3.97%
Sector: Financials

Company Analysis Citizens

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1. Summary

Advantages

  • Dividends (3.97%) are higher than the sector average (2.95%).
  • Current debt level 5.7% is below 100% and has decreased over 5 years from 8.48%.

Disadvantages

  • Price (43.12 $) is higher than fair price (40.78 $)
  • The stock's return over the last year (8.59%) is lower than the sector average (15.88%).
  • The company's current efficiency (ROE=6.21%) is lower than the sector average (ROE=16.52%)

Similar companies

Citigroup

Goldman Sachs

Deutsche Bank AG

Intercontinental Exchange

2. Share price and performance

2.1. Share price

2.3. Market efficiency

Citizens Financials Index
7 days 3.4% -11.4% 1.6%
90 days 20.4% -9% 23%
1 year 8.6% 15.9% 13%

CFG vs Sector: Citizens has significantly underperformed the "Financials" sector by -7.29% over the past year.

CFG vs Market: Citizens has underperformed the market marginally by -4.45% over the past year.

Stable price: CFG is not significantly more volatile than the rest of the market on "New York Stock Exchange" over the last 3 months, with typical variations of +/- 5% per week.

Long period: CFG with weekly volatility of 0.1651% over the past year.

3. Summary of the report

3.1. General

P/E: 13.15
P/S: 1.61

3.2. Revenue

EPS 3.33
ROE 6.21%
ROA 0.6867%
ROIC 0%
Ebitda margin 19.32%

4. Fundamental Analysis

4.1. Stock price and price forecast

The fair price is calculated taking into account the Central Bank refinancing rate and earnings per share (EPS)

Above fair price: The current price (43.12 $) is higher than the fair price (40.78 $).

Price is higher than fair: The current price (43.12 $) is 5.4% higher than the fair price.

4.2. P/E

P/E vs Sector: The company's P/E (13.15) is lower than that of the sector as a whole (63.39).

P/E vs Market: The company's P/E (13.15) is lower than that of the market as a whole (61.84).

4.2.1 P/E Similar companies

4.3. P/BV

P/BV vs Sector: The company's P/BV (0.8182) is lower than that of the sector as a whole (2.7).

P/BV vs Market: The company's P/BV (0.8182) is lower than that of the market as a whole (20.59).

4.3.1 P/BV Similar companies

4.4. P/S

P/S vs Sector: The company's P/S indicator (1.61) is lower than that of the sector as a whole (3.95).

P/S vs Market: The company's P/S indicator (1.61) is lower than that of the market as a whole (15.97).

4.4.1 P/S Similar companies

4.5. EV/Ebitda

EV/Ebitda vs Sector: The company's EV/Ebitda (8.81) is higher than that of the sector as a whole (-120.2).

EV/Ebitda vs Market: The company's EV/Ebitda (8.81) is lower than that of the market as a whole (18.41).

5. Profitability

5.1. Profitability and revenue

5.2. Earnings per share - EPS

5.3. Past profitability Net Income

Yield Trend: Rising and has grown by 8.47% over the last 5 years.

Earnings Slowdown: The last year's return (0%) is below the 5-year average return (8.47%).

Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-52.19%).

5.4. ROE

ROE vs Sector: The company's ROE (6.21%) is lower than that of the sector as a whole (16.52%).

ROE vs Market: The company's ROE (6.21%) is lower than that of the market as a whole (42.62%).

5.5. ROA

ROA vs Sector: The company's ROA (0.6867%) is lower than that of the sector as a whole (3.56%).

ROA vs Market: The company's ROA (0.6867%) is lower than that of the market as a whole (23.26%).

5.6. ROIC

ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.17%).

ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (9.15%).

6. Finance

6.1. Assets and debt

Debt level: (5.7%) is quite low in relation to assets.

Debt reduction: over 5 years, the debt has decreased from 8.48% to 5.7%.

Excess of debt: The debt is not covered by net income, percentage 821.8%.

6.2. Profit growth and share price

7. Dividends

7.1. Dividend yield vs Market

High yield: The dividend yield of the company 3.97% is higher than the average for the sector '2.95%.

7.2. Stability and increase in payments

Dividend stability: The company's dividend yield 3.97% has been steadily paid over the past 7 years, DSI=1.

Weak dividend growth: The company's dividend yield 3.97% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.

7.3. Payout percentage

Dividend Coverage: Current payments from income (59.84%) are at a comfortable level.

8. Insider trades

8.1. Insider trading

Insider Buying Exceeds insider sales by 100% over the last 3 months.

8.2. Latest transactions

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9. Stocks forum Citizens

9.3. Comments