Profitability
Weight: 25%
C-
46
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.8%
- Operating Margin Trend -5.74 pp/yr
CFG
Citizens Financial Group, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B-
64
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 10.4%
- 5yr Share-Count CAGR 0.5%
Growth Quality
Weight: 10%
B-
63
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 9.7%
- 5yr EPS CAGR -7.0%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
98
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.47x
Balance Sheet
Weight: 30%
C+
62
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 11.6%
- Interest Coverage (EBIT/Int) 0.61x
Stability
Weight: 10%
B-
63
- EPS Volatility (σ/μ) 0.32
- Piotroski F-Score 7
- Negative-Revenue Years (5) 2/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.5 of 5 gurus held; 3 added; 1 trimmed; 1 full exit.
- Holders
- 5
- Avg Δ position
- +2562.1%
- New buys
- 0
- Full exits
- 1