
Citizens Financial Group Inc
Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions, with $220.1 billion in assets as of March 31, 2025. Headquartered in Providence, Rhode Island, Citizens offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. Citizens helps its customers reach their potential by listening to them and by understanding their needs in order to offer tailored advice, ideas and solutions. In Consumer Banking, Citizens provides an integrated experience that includes mobile and online banking, a full-service customer contact center and the convenience of approximately 3,100 ATMs and approximately 1,000 branches in 14 states and the District of Columbia. Consumer Banking products and services include a full range of banking, lending, savings, wealth management and small business offerings. In Commercial Banking, Citizens offers a broad complement of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets capabilities.
Holds 1.2x more cash than debt — a strong balance sheet.
Current Price
$60.99
+0.69%GoodMoat Value
$85.16
39.6% undervaluedCitizens Financial Group Inc (CFG) DCF Calculator
What is a DCF Calculator?
A Discounted Cash Flow (DCF) model estimates a company's intrinsic value by projecting its future cash flows and discounting them back to the present. The core idea: a dollar earned in the future is worth less than a dollar today.
Inputs
Cash flow, discount rate, terminal growth & projection years
Model
Projects cash flows forward, adds terminal value, discounts back
Output
Intrinsic value per share — compare with price for margin of safety
Enter a ticker on the left to auto-fill real financial data and get started.
CFG DCF Calculator — Discounted Cash Flow
Discounted Cash Flow (DCF) calculator for Citizens Financial Group Inc (CFG). Estimate the intrinsic value of CFG stock by projecting future cash flows and discounting them to present value. The two-stage DCF model supports EPS-based, FCF-based, and dividend-based approaches.
Current EPS: $3.86. Free cash flow: $2.04B. FCF growth rate: 4.08%. WACC: 10.00%. Shares outstanding: 429.5M. GoodMoat fair value: $85.16.
The DCF calculator projects 10 years of cash flows at a user-adjustable growth rate, applies a terminal growth rate, and discounts all future cash flows back to present value using the weighted average cost of capital (WACC). A sensitivity table shows how the intrinsic value changes across different growth and discount rate assumptions. Use this tool alongside GoodMoat's reverse DCF and fair value models to triangulateCitizens Financial Group Inc's true worth.