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)
$117.60
Method range
$41.02 – $117.60
median $59.37
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 | $117.60 | +83.80% |
| Exit multiple | $46.33 | -27.59% |
| Analyst target | $72.42 | +13.19% |
| Graham number | $41.02 | -35.88% |
- Forward DCF$117.60
- Exit multiple$46.33
- Analyst target$72.42
- Graham number$41.02
Stock price
$63.98
FCF / share (TTM)
$0.56
3Y FCF CAGR
-1.8%
Fair value @ hist. growth
$5.76
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
31.2%
per year over your projection horizon
Margin of safety -1010.3% vs hist-growth DCF
Historical 3Y CAGR
-1.8%
Your model implies
31.2%
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% |
|---|---|---|---|---|---|
| 7.8% | 27.4% | 26.5% | 25.5% | 24.4% | 23.1% |
| 8.8% | 30.1% | 29.3% | 28.5% | 27.6% | 26.5% |
| 9.8% | 32.7% | 32.0% | 31.2% | 30.4% | 29.6% |
| 10.8% | 35.1% | 34.5% | 33.8% | 33.1% | 32.3% |
| 11.8% | 37.4% | 36.8% | 36.2% | 35.6% | 34.9% |
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
13.94
Demanding vs growth
Net cash
$1.4B
Total debt − cash
Beta
1.04
Vs market benchmark
Frequently asked questions
Citizens Financial Group (CFG) Key Financials
Charts, filings, and peer comparison for every metric
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