Fair value (multi-method)
Four independent methods triangulate what CFG is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$130.14
Method range
$43.98 – $130.14
median $64.30
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $130.14 | +79.66% |
| Exit multiple | $50.85 | -29.81% |
| Analyst target | $77.75 | +7.33% |
| Graham number | $43.98 | -39.29% |
- Forward DCF$130.14
- Exit multiple$50.85
- Analyst target$77.75
- Graham number$43.98
Stock price
$72.44
FCF / share (TTM)
$0.56
3Y FCF CAGR
-1.8%
Fair value @ hist. growth
$5.83
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied FCF growth
32.8%
per year over your projection horizon
Margin of safety -1,142.1% vs hist-growth DCF
Historical 3Y CAGR
-1.8%
Your model implies
32.8%
Analyst consensus is EPS-only — no comparable FCF / share estimate to show on this basis.
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Undiscounted FCF per share over 10 years at -2% annual growth.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 7.7% | 28.9% | 27.9% | 26.9% | 25.7% | 24.4% |
| 8.7% | 31.7% | 30.8% | 29.9% | 29.0% | 27.9% |
| 9.7% | 34.3% | 33.5% | 32.8% | 31.9% | 31.0% |
| 10.7% | 36.7% | 36.1% | 35.4% | 34.7% | 33.9% |
| 11.7% | 39.0% | 38.5% | 37.8% | 37.2% | 36.5% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
PEG
14.86
Demanding vs growth
Net cash
$1.45B
Total debt − cash
Beta
1.00
Vs market benchmark
Frequently asked questions
Citizens Financial Group (CFG) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation
How this company returns cash to shareholders — buybacks, dividends, and stock splits.