Profitability
Weight: 25%
F
24
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 74.2%
- Efficiency Ratio Trend +0.64 pp/yr
CFG
Citizens Financial Group, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C
52
- 5yr Avg ROE 7.7%
- 5yr Share-Count CAGR 0.3%
Growth Quality
Weight: 15%
C
56
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 7.7%
- Efficiency Ratio Trend (growth quality check) +0.64 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
C
56
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.05
Balance Sheet
Weight: 20%
A-
85
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 11.6%
Stability
Weight: 10%
B-
63
- EPS Volatility (σ/μ) 0.32
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.5 of 5 gurus held; 1 added; 4 trimmed; 1 full exit.
- Holders
- 5
- Avg Δ position
- -14.6%
- New buys
- 0
- Full exits
- 1