What Is CFG Fair Value?
Citizens Financial Group (CFG) fair value estimate using multiple valuation models, updated daily.
As of July 16, 2026, Citizens Financial Group (CFG) has a composite fair value estimate of $293.35 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $71.12, suggesting the stock is undervalued by 312.5%.
Data as of July 16, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$293.35
vs. current price of $71.12(+312.5%)
How Is CFG Fair Value Calculated?
Four independent models estimate what CFG is worth. Each uses different inputs and assumptions. The composite blends them by weight.
CFG Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$533.71
+650.4%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$99.91
+40.5%Undervalued
Inputs used
CFG Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$81.41
+14.5%Fair Value
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$152.98
+115.1%Undervalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $71.12 is 650.4% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $3.33B | $3.07B |
| Year 2 | $4.16B | $3.55B |
| Year 3 | $5.20B | $4.10B |
| Year 4 | $6.50B | $4.73B |
| Year 5 | $8.12B | $5.47B |
| Year 6 | $10.15B | $6.31B |
| Year 7 | $12.69B | $7.29B |
| Year 8 | $15.86B | $8.42B |
| Year 9 | $19.83B | $9.73B |
| Year 10 | $24.78B | $11.23B |
| Terminal Value | $442.95B | $200.77B |
What Are CFG's Key Financial Metrics?
Earnings & Growth
Current Price
$71.12
EPS (TTM)
$4.27
Forward P/E
11.0
Profit Margin
25.0%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$56.48
Total Debt
12.3B
What Do Analysts Say About CFG?
Low
$68.00
Average
$77.00
High
$85.00
Upside
+8.3%
CFG Fair Value FAQ
What is the fair value of CFG?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), CFG's estimated fair value is $293.35. The stock is currently trading at $71.12, which makes it undervalued by our analysis.
How is CFG's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is CFG overvalued or undervalued?
Based on our analysis, CFG is undervalued. The current price of $71.12 is 312.5% below our estimated fair value of $293.35.
What do Wall Street analysts say about CFG?
17 analysts cover Citizens Financial Group with a consensus rating of "Buy." The average price target is $77.00, ranging from $68.00 to $85.00. This implies 8.3% upside from the current price.