Analysis for CFG
$63.43
+0.86
(+1.37%)
- 📈 Growth — 25/30
- 💰 Profitability — 16/20
- 🏦 Financial Health — 14/20
- 💵 Valuation — 12/20
- ⚠️ Risk — 5/10
Overall Score: 72/100
Summary:
📈 Growth & Financial Trajectory
From 2024-Q3 to 2026-Q2, Revenues rose from $1.901B to $2.283B, up about 20%. Net income grew from $382M to $587M, up ~54%; though 2025-Q1 shows a temporary dip, the trajectory remains constructive.
💰 Margins & Cash Flow
- Operating margin proxies: Operating Income around $0.63B–$0.75B on Revenue in the $2.0B–$2.3B range, indicating solid leverage.
- Cash flow: Net cash from operating activities is generally positive, ranging roughly from $130M–$726M per quarter; the strongest quarter in the series shows $726M operating cash flow and a $430M net cash flow. Investing is typically negative, financing often offset.
🛡️ Balance Sheet & Liquidity
Assets run around $220B–$235B with Equity attributable to parent near $24B–$28B and Long-term debt around $11B–$15B, suggesting solid liquidity and modest leverage for a regional bank.
⚠️ Key Drivers & Risks
- Drivers: Deposit stability and loan growth; NII resilience in a rising-rate environment
- Risks: Banking-cycle sensitivity and regulatory costs; valuation sensitivity to rate moves
📊 Key Financial Fundamentals
Valuation Multiples
Market Cap
$28.42B
P/E Ratio
13.37
Forward P/E
11.96
P/S Ratio
1.48
P/B Ratio
1.13
EV / EBITDA
N/A
Profitability & Returns
Gross Margin
N/A
Operating Margin
31.45%
Net Margin
24.56%
ROE
8.14%
ROIC
5.87%
Financial Health & Liquidity
Current Ratio
N/A
Quick Ratio
N/A
Financial Scale & Cash Flow
Revenue
$19.14B
Net Income
$4.70B
FCF Yield
9.16%
Free Cash Flow
$2.60B
Total Debt To Equity
0.40