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Intrinsic value of Citizens Financial Group, Inc. (CFG)

Previous Close$37.75
Intrinsic Value
Upside potential
Previous Close
$37.75
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.
Use floor (the cash flow based valuation has rendered a result, which is lower than an estimated minimum value derived from the company’s balance sheet analysis)

VALUATION INPUT DATA

Revenue, mln $
Initial revenue growth rate (norm.), %
Variable cost ratio, %
Fixed operating expenses, mln $
Production assets / Revenue, %
Working capital / Revenue, %
Interest rate on debt, %
Initial discount rate, %
Shares outstanding, mln
Adjusted equity ratio
Adjusted assets / Revenue
Cash & ST Investments
Total debt
Market cap, m$
15,934

Based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %3.9NaN
Revenue, $6719NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m3742NaN
Operating income, $m2977NaN
EBITDA, $m3602NaN
Interest expense (income), $mNaN
Earnings before tax, $m2864NaN
Tax expense, $m658NaN
Net income, $m2206NaN

BALANCE SHEET

Cash and short-term investments, $m9474NaN
Total assets, $m189817NaN
Adjusted assets (=assets-cash), $m180343NaN
Average production assets, $m9541NaN
Working capital, $m-15088NaN
Total debt, $m7806NaN
Total liabilities, $m166397NaN
Total equity, $m23420NaN
Debt-to-equity ratio0.333NaN
Adjusted equity ratio0.089NaN

CASH FLOW

Net income, $m2206NaN
Depreciation, amort., depletion, $m625NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m1190NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-124NaN
Free cash flow, $m1314NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-15088
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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