Company Analysis Citizens
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
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
4. Fundamental Analysis
4.1. Stock price and price forecast
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%).
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.
Pay for your subscription
More functionality and data for company and portfolio analysis is available by subscription