Citizens Financial Group (MEX:CFG) Cyclically Adjusted FCF per Share: MXN85.07 (As of Mar. 2026)


MEX:CFG Citizens Financial Group Inc MEX:CFG
62 GF Score
Price MXN1,169.99
GF Value MXN857.84
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Citizens Financial Group Cyclically Adjusted FCF per Share?

Citizens Financial Group MEX:CFG 62 Cyclically Adjusted FCF per Share is MXN85.07 as of Mar. 2026. GuruFocus rates MEX:CFG with a GF Score™ of 62/100 and a GF Value™ of MXN857.84 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Citizens Financial Group's adjusted free cash flow per share for the three months ended in Mar. 2026 was MXN9.941. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is MXN85.07 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Citizens Financial Group's average Cyclically Adjusted FCF Growth Rate was 9.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 6.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Citizens Financial Group was 6.50% per year. The lowest was 6.50% per year. And the median was 6.50% per year.

As of today (2026-07-06), Citizens Financial Group's current stock price is MXN1169.99. Citizens Financial Group's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was MXN85.07. Citizens Financial Group's Cyclically Adjusted Price-to-FCF of today is 13.75.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Citizens Financial Group was 15.14. The lowest was 5.58. And the median was 9.91.


Citizens Financial Group  (MEX:CFG) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Citizens Financial Group's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=1169.99/85.07
=13.75

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Citizens Financial Group was 15.14. The lowest was 5.58. And the median was 9.91.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Citizens Financial Group Cyclically Adjusted FCF per Share Related Terms


Citizens Financial Group Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Citizens Financial Group's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Citizens Financial Group Cyclically Adjusted FCF per Share Chart

Citizens Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 72.48 94.65 83.72 81.59

Citizens Financial Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 89.29 84.61 76.70 81.59 85.07

MEX:CFG vs BAP, RF, KEY: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Citizens Financial Group's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Citizens Financial Group Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Citizens Financial Group's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Citizens Financial Group's Cyclically Adjusted Price-to-FCF falls into.


MEX:CFG
62GF Score
Citizens Financial Group Inc MEX:CFG
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citizens Financial Group Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Citizens Financial Group's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=9.941/330.2130*330.2130
=9.941

Current CPI (Mar. 2026) = 330.2130.

Citizens Financial Group Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 9.624 241.018 13.186
201609 15.992 241.428 21.873
201612 6.378 241.432 8.723
201703 29.458 243.801 39.899
201706 -14.606 244.955 -19.690
201709 29.165 246.819 39.019
201712 9.789 246.524 13.112
201803 22.836 249.554 30.217
201806 23.201 251.989 30.403
201809 -12.924 252.439 -16.906
201812 28.303 251.233 37.201
201903 19.796 254.202 25.715
201906 4.391 256.143 5.661
201909 17.352 256.759 22.316
201912 31.433 256.974 40.392
202003 -73.338 258.115 -93.823
202006 -6.640 257.797 -8.505
202009 33.963 260.280 43.088
202012 40.230 260.474 51.001
202103 -33.441 264.877 -41.690
202106 25.979 271.696 31.574
202109 60.219 274.310 72.491
202112 49.999 278.802 59.219
202203 70.469 287.504 80.937
202206 -76.712 296.311 -85.489
202209 117.865 296.808 131.130
202212 57.307 296.797 63.759
202303 40.728 301.836 44.557
202306 2.958 305.109 3.201
202309 36.303 307.789 38.948
202312 22.580 306.746 24.307
202403 19.466 312.332 20.580
202406 32.262 314.175 33.909
202409 4.201 315.301 4.400
202412 20.403 315.605 21.347
202503 -10.502 319.799 -10.844
202506 36.792 322.561 37.665
202509 69.969 324.800 71.135
202512 -10.376 324.054 -10.573
202603 9.941 330.213 9.941

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of MXN85.07 mean?
Citizens Financial Group (MEX:CFG) has a Cyclically Adjusted FCF per Share of MXN85.07 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Citizens Financial Group and its competitors.
Is Citizens Financial Group's Cyclically Adjusted FCF per Share too high?
Citizens Financial Group's current Cyclically Adjusted FCF per Share is MXN85.07. Overall, Citizens Financial Group has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial Group's Cyclically Adjusted FCF per Share compare to BAP and RF?
Citizens Financial Group's Cyclically Adjusted FCF per Share of MXN85.07 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Citizens Financial Group and its competitors. Citizens Financial Group's current Cyclically Adjusted FCF per Share is MXN85.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Citizens Financial Group (MEX:CFG) is currently considered Significantly Overvalued. The stock's GF Value™ is MXN857.84, compared to a current price of MXN1,169.99 — trading 36.4% above its estimated fair value. The current Cyclically Adjusted FCF per Share is MXN85.07. Citizens Financial Group's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Citizens Financial Group (MEX:CFG), the current Cyclically Adjusted FCF per Share is MXN85.07 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Citizens Financial Group (MEX:CFG) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens Financial Group stock appears to be overvalued. The current stock price of MXN1,169.99 is trading 36.4% above its estimated GF Value™ of MXN857.84. GuruFocus considers Citizens Financial Group to be Significantly Overvalued.

Key valuation signals for MEX:CFG:

  • Cyclically Adjusted FCF per Share: MXN85.07
  • GF Value™: MXN857.84 vs. price of MXN1,169.99 (36.4% above fair value)
  • GF Score™: 62/100 with 6 warning signs

No single metric tells the full story. See the MEX:CFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Citizens Financial Group Business Description

Address One Citizens Plaza, Providence, RI, USA, 02903
Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island. Through its subsidiaries, it offers various retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. The group's reportable business segments are: Consumer Banking and Commercial Banking. The majority of its revenue is generated from the Consumer Banking segment, which serves consumer customers and small businesses, offering traditional banking products and services, including deposits, mortgage and home equity lending, credit cards, small business loans, education loans, point-of-sale finance loans, and wealth management solutions, among others, through a network of branches and ATMs.
62GF Score

Get the complete analysis for MEX:CFG

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN1,169.99
Price
MXN857.84
GF Value