Citizens Financial Group (BSP:C1FG34) Cyclically Adjusted PS Ratio: (As of Sep. 21, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BSP:C1FG34 Citizens Financial Group Inc BSP:C1FG34
65 GF Score
Price R$361.80
GF Value R$253.94
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Citizens Financial Group Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Citizens Financial Group  (BSP:C1FG34) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Citizens Financial Group Cyclically Adjusted PS Ratio Related Terms


Citizens Financial Group Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Citizens Financial Group's Cyclically Adjusted PS Ratio 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 PS Ratio Chart

Citizens Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.64 3.66 2.45 3.70 3.97

Citizens Financial Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PS Ratio 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 2.91 3.60 3.98 4.13 4.00

BSP:C1FG34 vs BAP, RF, HBAN: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, Citizens Financial Group's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Citizens Financial Group's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Citizens Financial Group's Cyclically Adjusted PS Ratio falls into.


BSP:C1FG34
65GF Score
Citizens Financial Group Inc BSP:C1FG34
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Financial Group Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Citizens Financial Group's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Citizens Financial Group's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=26.588/333.9520*333.9520
=26.588

Current CPI (Jun. 2026) = 333.9520.

Citizens Financial Group Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 8.556 241.428 11.835
201612 8.548 241.432 11.824
201703 8.415 243.801 11.527
201706 8.867 244.955 12.089
201709 9.014 246.819 12.196
201712 9.602 246.524 13.007
201803 9.668 249.554 12.938
201806 10.911 251.989 14.460
201809 12.464 252.439 16.489
201812 12.077 251.233 16.053
201903 12.357 254.202 16.234
201906 13.085 256.143 17.060
201909 12.861 256.759 16.728
201912 16.324 256.974 21.214
202003 13.526 258.115 17.500
202006 19.762 257.797 25.600
202009 22.433 260.280 28.783
202012 22.697 260.474 29.100
202103 23.742 264.877 29.933
202106 19.704 271.696 24.219
202109 20.293 274.310 24.705
202112 22.798 278.802 27.308
202203 21.783 287.504 25.302
202206 20.116 296.311 22.671
202209 22.838 296.808 25.696
202212 24.579 296.797 27.656
202303 22.707 301.836 25.123
202306 22.191 305.109 24.289
202309 21.186 307.789 22.987
202312 20.244 306.746 22.039
202403 21.320 312.332 22.796
202406 22.754 314.175 24.186
202409 23.838 315.301 25.248
202412 26.063 315.605 27.578
202503 25.629 319.799 26.763
202506 27.084 322.561 28.040
202509 25.963 324.800 26.695
202512 26.808 324.054 27.627
202603 25.909 330.213 26.202
202606 26.588 333.952 26.588

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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.

Is Citizens Financial Group (BSP:C1FG34) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens Financial Group stock appears to be overvalued. The current stock price of R$361.80 is trading 42.5% above its estimated GF Value™ of R$253.94. GuruFocus considers Citizens Financial Group to be Significantly Overvalued.

Key valuation signals for BSP:C1FG34:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: R$253.94 vs. price of R$361.80 (42.5% above fair value)
  • GF Score™: 65/100 with 7 warning signs

No single metric tells the full story. See the BSP:C1FG34 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.
65GF Score

Get the complete analysis for BSP:C1FG34

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

R$361.80
Price
R$253.94
GF Value