Definitive Analysis
Loading...
Definitive Analysis

Financial Statements

Analysis Mode

Ticker

Industry

Sector

Citizens Financial Group, Inc. (CFG-PD)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$74.71 - $166.23$107.87
Multi-Stage$92.35 - $101.26$96.72
Blended Fair Value$102.29
Current Price$53.16
Upside92.43%
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 Rate6.76%6.76%6.76%
Growth Rate2.50%3.50%4.50%
Fair Value$74.71$107.87$166.23
Upside / Downside40.53%102.91%212.70%

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 Rate6.76%6.76%6.76%
Growth Rate2.50%3.50%4.50%
Year 1 PV (M)865.22873.66882.10
Year 2 PV (M)976.52995.671,015.00
Year 3 PV (M)1,077.581,109.421,141.89
Year 4 PV (M)1,169.031,215.331,262.98
Year 5 PV (M)1,251.491,313.741,378.44
PV of Terminal Value (M)35,271.5337,025.9438,849.48
Equity Value (M)40,611.3742,533.7644,529.90
Shares Outstanding (M)439.76439.76439.76
Fair Value$92.35$96.72$101.26
Upside / Downside73.72%81.94%90.48%

High-Yield Dividend Screener

« Prev Page 71 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
603556.SSHexing Electrical Co.,Ltd.2.03%$0.7437.74%
CUERVO.MXBecle, S.A.B. de C.V.2.03%$0.4216.99%
MDIA3.SAM. Dias Branco S.A. Indústria e Comércio de Alimentos2.03%$0.4824.23%
TRH1V.HETrainers' House Oyj2.03%$0.0541.72%
000065.SZNorinco International Cooperation Ltd.2.02%$0.2534.80%
001206.SZTianjin Yiyi Hygiene Products Co.,Ltd2.02%$0.6050.08%
0QND.LBachem Holding AG2.02%$1.2136.62%
300705.SZHunan Jiudian Pharmaceutical Co., Ltd.2.02%$0.3033.69%
3711.TWASE Technology Holding Co., Ltd.2.02%$5.2165.40%
600497.SSYunnan Chihong Zinc & Germanium Co., Ltd.2.02%$0.1565.03%
BMEB3.SABanco Mercantil do Brasil S.A.2.02%$1.2523.03%
COGN3.SACogna Educação S.A.2.02%$0.069.04%
CZG.PRColt CZ Group SE2.02%$15.0050.93%
PINFRA.MXPromotora y Operadora de Infraestructura, S. A. B. de C. V.2.02%$5.3312.11%
002138.SZShenzhen Sunlord Electronics Co.,Ltd.2.01%$0.7256.61%
012630.KSHDC HOLDINGS CO.,Ltd2.01%$351.076.96%
0303.HKVtech Holdings Limited2.01%$1.2497.00%
300519.SZZhejiang Xinguang Pharmaceutical Co., Ltd.2.01%$0.3082.84%
6096.TRareJob Inc.2.01%$6.4030.88%
AKRN.MEPJSC Acron2.01%$363.0128.13%
CGY.TOCalian Group Ltd.2.01%$1.1363.09%
FORUS.SNForus S.A.2.01%$46.8542.68%
INDU-A.STAB Industrivärden (publ)2.01%$8.2525.83%
002773.SZChengdu Kanghong Pharmaceutical Group Co., Ltd2.00%$0.6044.20%
004080.KSShinhung Co., Ltd2.00%$279.3556.15%
600388.SSFujian Longking Co., Ltd.2.00%$0.3342.78%
7199.TPremium Group Co., Ltd.2.00%$38.8033.41%
EVANS.BOEvans Electric Ltd.2.00%$2.5014.08%
PFV.DEPfeiffer Vacuum Technology AG2.00%$3.1699.27%
002996.SZChongqing Shunbo Aluminum Co.,Ltd.1.99%$0.1568.38%
0285.HKBYD Electronic (International) Company Limited1.99%$0.7022.65%
1948.HKUju Holding Limited1.99%$0.0823.66%
301119.SZHangzhou Zhengqiang Corporation Limited1.99%$1.0594.30%
3391.TTsuruha Holdings Inc.1.99%$57.3849.48%
3545.TWFocalTech Systems Co., Ltd.1.99%$1.0236.23%
601579.SSKuaijishan Shaoxing Rice Wine Co., Ltd.1.99%$0.4094.73%
603025.SSBeijing Dahao Technology Corp.,Ltd1.99%$0.3657.13%
603313.SSHealthcare Co., Ltd.1.99%$0.1860.06%
000554.SZSINOPEC Shandong Taishan Pectroleum CO.,LTD.1.98%$0.1338.84%
000997.SZNewland Digital Technology Co.,Ltd.1.98%$0.5650.65%
1381.HKCanvest Environmental Protection Group Company Limited1.98%$0.1012.54%
300795.SZZhejiang Meorient Commerce Exhibition Inc.1.98%$0.2765.37%
600482.SSChina Shipbuilding Industry Group Power Co., Ltd.1.98%$0.4149.72%
6005.TMiura Co., Ltd.1.98%$60.2627.67%
603197.SSShanghai Baolong Automotive Corporation1.98%$0.7361.39%
605058.SSChangzhou Aohong Electronics Co., Ltd.1.98%$0.6058.36%
BLA-R.BKBangkok Life Assurance Public Company Limited1.98%$0.4013.92%
LAS-A.TOLassonde Industries Inc.1.98%$4.3023.88%
NREST.STNordrest Holding AB (publ)1.98%$4.9045.35%
SGER.JKPT Sumber Global Energy Tbk1.98%$8.2746.12%