Citizens Financial GroupCFG -0.37%67 EV-to-FCF is 12.41 as of Jun. 27, 2026, which is 8% below its 10-year median of 13.43. GuruFocus rates CFG with a GF Score™ of 67/100 and a GF Value™ of $48.07 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,195 Banks companies, Citizens Financial Group ranks worse than 70.38% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Citizens Financial Group's Enterprise Value is $31,036 Mil.
Citizens Financial Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $2,501 Mil. Therefore, Citizens Financial Group's EV-to-FCF for today is 12.41.
The historical rank and industry rank for Citizens Financial Group's EV-to-FCF or its related term are showing as below:
CFG'
s EV-to-FCF Range Over the Past 10 Years
Min: -231.25 Med: 13.43 Max: 288.94
Current: 12.41
During the past 13 years, the highest EV-to-FCF of Citizens Financial Group was 288.94. The lowest was -231.25. And the median was 13.43.
CFG's EV-to-FCF is ranked worse than 70.38% of 1195
companies
in the Banks industry
Industry Median: 6.52
vs CFG: 12.41
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Citizens Financial Group (NYSE:CFG) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Citizens Financial Group's PE Ratio (TTM) for today is calculated as:
Citizens Financial Group's share price for today is $70.40.
Citizens Financial Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.230.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Citizens Financial Group EV-to-FCF Related Terms
Citizens Financial Group EV-to-FCF Historical Data
* 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.
For the Banks - Regional subindustry, Citizens Financial Group's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Citizens Financial Group's EV-to-FCF falls into.
Citizens Financial Group's current Enterprise Value is $31,036 Mil.
Citizens Financial Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2,501 Mil.
* 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 (CFG) has a EV-to-FCF of 12.41 as of Jun. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Citizens Financial Group and its competitors. This is near median its historical median of 13.43. According to the industry distribution chart, Citizens Financial Group ranks #841 out of 1195 companies in the Banks industry, placing it in the top 70.4%.
Is Citizens Financial Group's EV-to-FCF too high?
Citizens Financial Group's current EV-to-FCF of 12.41 is near median its 10-year median of 13.43. The Banks industry median EV-to-FCF is 6.52. Citizens Financial Group's value of 12.41 is 90.3% above this industry median. Based on the distribution chart, Citizens Financial Group ranks #841 out of 1195 companies in the Banks industry, which is below the industry midpoint. Overall, Citizens Financial Group has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial Group's EV-to-FCF compare to BAP and RF?
According to the Banks industry distribution chart, Citizens Financial Group ranks #841 out of 1195 companies for EV-to-FCF. This places Citizens Financial Group in the lower half of its industry. The industry median EV-to-FCF is 6.52. Citizens Financial Group's value of 12.41 is 90.3% above this benchmark. While the company's 10-year median is 13.43 vs. the industry median of 6.52, Citizens Financial Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Group's current EV-to-FCF of 12.41 is 90.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Citizens Financial Group and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Group's current EV-to-FCF is 12.41, which is near median its own 10-year median of 13.43. 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 (CFG) is currently considered Significantly Overvalued. The stock's GF Value™ is $48.07, compared to a current price of $70.40 — trading 46.5% above its estimated fair value. The current EV-to-FCF is 12.41, which is near median its 10-year median of 13.43 and 90.3% above the Banks industry median of 6.52. Citizens Financial Group's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Citizens Financial Group (CFG), the current EV-to-FCF is 12.41 as of Jun. 27, 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 (CFG) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Financial Group stock appears to be overvalued.
The current stock price of $70.40 is trading 46.5% above its estimated GF Value™ of $48.07.
GuruFocus considers Citizens Financial Group to be Significantly Overvalued.
Key valuation signals for CFG:
EV-to-FCF: 12.41 (near median its 10-year median of 13.43)
GF Value™: $48.07 vs. price of $70.40 (46.5% above fair value)
Industry Position: 90.3% above the Banks median (#841 of 1195)
No single metric tells the full story. See the CFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
67GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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