What Is CFG Fair Value?
Citizens Financial Group (CFG) fair value estimate using multiple valuation models, updated daily.
As of October 14, 2026, Citizens Financial Group (CFG) has a composite fair value estimate of $293.19 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $63.30, suggesting the stock is undervalued by 363.2%.
Data as of October 14, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$293.19
vs. current price of $63.30(+363.2%)
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 →
$534.45
+744.3%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 →
$84.89
+34.1%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 →
$82.31
+30.0%Undervalued
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.
$159.23
+151.6%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 $63.30 is 744.3% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $3.13B | $2.90B |
| Year 2 | $3.91B | $3.36B |
| Year 3 | $4.88B | $3.89B |
| Year 4 | $6.11B | $4.50B |
| Year 5 | $7.63B | $5.22B |
| Year 6 | $9.54B | $6.04B |
| Year 7 | $11.93B | $7.00B |
| Year 8 | $14.91B | $8.11B |
| Year 9 | $18.63B | $9.39B |
| Year 10 | $23.29B | $10.88B |
| Terminal Value | $441.17B | $206.03B |
What Are CFG's Key Financial Metrics?
Earnings & Growth
Current Price
$63.30
EPS (TTM)
$4.59
Forward P/E
9.7
Profit Margin
26.1%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$56.95
Total Debt
16.3B
What Do Analysts Say About CFG?
Low
$70.00
Average
$78.61
High
$89.00
Upside
+24.2%
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 $293.19. The stock is currently trading at $63.30, 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 $63.30 is 363.2% below our estimated fair value of $293.19.
What do Wall Street analysts say about CFG?
19 analysts cover Citizens Financial Group with a consensus rating of "Buy." The average price target is $78.61, ranging from $70.00 to $89.00. This implies 24.2% upside from the current price.