Citizens Financial Group, Inc. cash flow to debt ratio of 19.60% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Citizens Financial Group, Inc.'s free cash flow has increased 8.41% from $1.88B last year to $2.04B, signaling increasing performance

Citizens Financial Group, Inc.'s debt to equity ratio is 0.62, which means that the company's assets are unhealthy financed, signaling financial risk.

Citizens Financial Group, Inc.'s debt has increased relative to shareholder equity from 0.51 last year to 0.62 today, signaling weakened financials

Citizens Financial Group, Inc. has a net cash position, so leverage is healthy.

Citizens Financial Group, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Citizens Financial Group, Inc.'s profit margin has increased (51.71%) in the last year from 12.22% to 18.54%, signaling increasing performance

Citizens Financial Group, Inc.'s short-term assets of $191.33B exceed its short-term liabilities of $183.37B

Citizens Financial Group, Inc.'s return on assets of 0.91% is lower than the 5.00% threshold, indicating inefficient asset utilization

Citizens Financial Group, Inc.'s return on equity of 8.14%, is lower than 15.00%, indicating bad performance

Citizens Financial Group, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Citizens Financial Group, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Citizens Financial Group, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Citizens Financial Group, Inc. has a free cash flow yield of 6.63%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Citizens Financial Group, Inc.'s yearly earnings has increased 21.34% since last year from $1.51B to $1.83B, signaling increasing performance

Citizens Financial Group, Inc.'s yearly revenue has decreased 9.71% since last year from $12.35B to $11.15B, signaling decreasing performance

ROIC 0.91% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Citizens Financial Group, Inc.'s 3-year revenue CAGR of 7.12% is positive, indicating growing revenue over the past 3 years

Citizens Financial Group, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Citizens Financial Group, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Citizens Financial Group, Inc. has insufficient data to evaluate this check.

Citizens Financial Group, Inc. has an earnings yield of 6.92%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Citizens Financial Group, Inc. is overvalued relative to its fair value price of 47.78 based on EBITDA multiple model

Citizens Financial Group, Inc. has insufficient data to compute enterprise value.

Citizens Financial Group, Inc. is undervalued relative to its fair value price of 100.90 based on Earnings Fair Value model

Citizens Financial Group, Inc. has a PEG-ratio over 1 which is considered overvalued

Citizens Financial Group, Inc. has a price-to-book ratio of 1.17x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Citizens Financial Group, Inc. has a price-to-sales ratio of 2.68x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue