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Citizens Financial Group, Inc. (CFG-PD)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$74.74 - $166.36$107.93
Multi-Stage$92.39 - $101.31$96.77
Blended Fair Value$102.35
Current Price$53.16
Upside92.53%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS4.50%-0.47%1.751.841.771.521.531.401.070.730.550.49
YoY Growth---4.83%3.72%16.27%-0.30%8.91%31.00%46.27%33.61%12.62%-73.45%
Dividend Yield--4.27%5.16%5.83%3.36%3.46%7.46%3.17%1.74%1.59%2.32%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)1,704.00
(-) Cash Dividends Paid (M)743.00
(=) Cash Retained (M)961.00
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)340.80213.00127.80
Cash Retained (M)961.00961.00961.00
(-) Cash Required (M)-340.80-213.00-127.80
(=) Excess Retained (M)620.20748.00833.20
(/) Shares Outstanding (M)439.76439.76439.76
(=) Excess Retained per Share1.411.701.89
LTM Dividend per Share1.691.691.69
(+) Excess Retained per Share1.411.701.89
(=) Adjusted Dividend3.103.393.58
WACC / Discount Rate6.75%6.75%6.75%
Growth Rate2.50%3.50%4.50%
Fair Value$74.74$107.93$166.36
Upside / Downside40.59%103.02%212.95%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)1,704.001,763.691,825.471,889.411,955.602,024.102,084.82
Payout Ratio43.60%52.88%62.16%71.44%80.72%90.00%92.50%
Projected Dividends (M)743.00932.691,134.751,349.821,578.571,821.691,928.46

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate6.75%6.75%6.75%
Growth Rate2.50%3.50%4.50%
Year 1 PV (M)865.23873.67882.12
Year 2 PV (M)976.55995.701,015.03
Year 3 PV (M)1,077.631,109.481,141.95
Year 4 PV (M)1,169.111,215.411,263.06
Year 5 PV (M)1,251.601,313.851,378.56
PV of Terminal Value (M)35,291.3037,046.7038,871.26
Equity Value (M)40,631.4342,554.8144,551.99
Shares Outstanding (M)439.76439.76439.76
Fair Value$92.39$96.77$101.31
Upside / Downside73.80%82.03%90.57%

High-Yield Dividend Screener

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