Citizens Financial Group, Inc.
CFG-PH is overvalued
NYSE · Financial Services
FAIR PRICE
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
$25.62
MARKET PRICE
$11.59
FAIR PRICE
$14.03
MARGIN
COMMUNITY BUY ZONE
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COMMUNITY MEDIAN
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BUYERS AT TODAY'S PRICE
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FPI RATING
Low debt levels and attractive valuation, but limited growth momentum.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$9.27
Fair price × 0.80
DISTANCE
63.8%
Price to entry level
At the current price of $25.62, CFG-PH trades 63.8% above the conservative entry level of $9.27. This entry level represents a 20% margin of safety below the calculated fair price of $11.59 — a buffer that accounts for estimation uncertainty in the valuation model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
SYNCING FEED ▌
P/E RATIO HISTORY
SYNCING FEED ▌
METHODOLOGY
How we calculate CFG-PH's fair price
Citizens Financial Group, Inc.'s fair price of $11.59 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $25.62, CFG-PH trades 54.8% above its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting CFG-PH's risk profile.
RELATIVE · 30%
Comparing CFG-PH's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for CFG-PH, weighted by recency and analyst accuracy.
TRY IT YOURSELF
Want to test your own assumptions? Use our free calculators to estimate CFG-PH's fair value with your own inputs.
CFG-PH DCF Calculator
Pre-filled with CFG-PH's real free cash flow and share count — set your own growth and discount rate to calculate intrinsic value.
Graham Number
Enter CFG-PH's EPS and book value to see the maximum price Benjamin Graham would pay for this stock.
P/E Ratio Calculator
Check how much investors pay per dollar of CFG-PH's earnings and compare it against sector benchmarks.
EV/EBITDA Calculator
Compare CFG-PH against peers on a debt-adjusted basis using enterprise value and EBITDA.
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Explore on BuliosFAQ
What is the fair price of CFG-PH?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for Citizens Financial Group, Inc. is $11.59. At the current market price of $25.62, CFG-PH trades 54.8% above its calculated fair value.
Is CFG-PH overvalued or undervalued?+
Citizens Financial Group, Inc. is currently overvalued based on our valuation model. The stock trades at $25.62, which is 54.8% above the fair price of $11.59. The P/E ratio of 5.7x is a key metric in the valuation.
What is the margin of safety for CFG-PH?+
With a 20% margin of safety applied to the fair price of $11.59, the conservative entry level for CFG-PH is $9.27. At the current market price of $25.62, the stock trades 63.8% above this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is CFG-PH's fair price updated?+
We update fair price calculations for CFG-PH daily after market close. The current fair price of $11.59 incorporates the latest market data and sector multiples.
What factors affect CFG-PH's fair price calculation?+
CFG-PH's fair price of $11.59 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight). Key metrics include P/E of 5.7x, ROE of 8.1%, and dividend yield of 7.20%.
Is CFG-PH a good buy right now?+
At $25.62, CFG-PH trades 54.8% above our fair value estimate of $11.59. The stock is currently overvalued. ROE stands at 8.1% (average). Fair Price Index provides valuation data — always do your own research before investing.
Does CFG-PH pay dividends?+
CFG-PH has a dividend yield of 7.20%.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.