Citizens Financial Group, Inc. — Earnings Quality Grade B
CFG · Financial Services
Generally healthy
Screening Summary
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 5.6%, CFFO 10.5%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 42.6% is >2x revenue growth 5.6%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.21. Profits backed by cash
FCF $2.0B, FCF/NI = 1.11
Accruals ratio = -0.2%. Low accruals
Cash $13.7B covers debt $11.3B
Balance Sheet Health
Goodwill+Intangibles $8.3B = 32% of equity
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -0% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Citizens Financial Group, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-09