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Citizens Financial Group, Inc. (0HYP.L)

London Stock Exchange Financial Services BanksView data quality →
52.7Fair

ValueMarkers Composite Index

Top 41%#26,461 of 44,707
Slightly Undervalued

9% below intrinsic value ($59)

UndervaluedFair ValueOvervalued
Piotroski
8/9
Strong
Beneish
-2.45
Low Risk
Altman
-0.22
Distress
DCF Value
$59
Overvalued
ROIC
4.3%
Low
P/E
15.3
Fair
Updated: ·Source: Data sourced from SEC filings and institutional providers. Not financial advice.·Report data issue

Citizens Financial Group, Inc. (0HYP.L) — VMCI valuation read

Headline read on 0HYP.L: VMCI of 53/100 versus a Financial Services sector median of 50. The 3-point above-median position is what makes Citizens Financial Group, Inc. a relative-value candidate in the mid-cap cohort, before any pillar-level review.

Form 4 filings on 0HYP.L: zero in the trailing 30 days. The absence of insider transactions is itself a data point, just a low-information one. The thesis runs on financials and price action until that changes.

**Investor frame.** Three reads on 0HYP.L: value (0HYP.L trades at 21.0x earnings, 17% above the Financial Services median of 18.0x), quality (ROIC of 11.0% sits 1.0pp above the Financial Services median (10.0%)), and risk (net debt to EBITDA of -1.1x leaves covenant headroom). The value read also implies an EV/EBITDA gap of +4.0x against the Financial Services 12.0x baseline.

0HYP.L rose 3.7% over the trailing 7 days, with a +7.6% read on a 30-day basis.

Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

CEO: Bruce Winfield Van Saun17,315 employeesUSwww.citizensbank.com

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