Discounted Cash Flow
Citizens Financial Group Inc./Ri
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $5.3b | $1.0b | $1.5b | 19.9% | $1.97 |
| 2017 | $5.7b (8.6%) | $1.7b (58.1%) | $1.9b (26.4%) | 28.9% (45.6%) | $3.26 (65.5%) |
| 2018 | $6.1b (7.4%) | $1.7b (4.2%) | $1.8b (-6.2%) | 28.1% (-3.0%) | $3.54 (8.6%) |
| 2019 | $1.2b (-80.9%) | $1.8b (4.1%) | $1.6b (-11.1%) | 152.8% (444.1%) | $3.82 (7.9%) |
| 2020 | $1.1b (-7.8%) | $1.1b (-41.0%) | $111.0m (-92.9%) | 97.9% (-36.0%) | $2.22 (-41.9%) |
| 2021 | $1.3b (22.7%) | $2.3b (119.4%) | $2.3b (1949.5%) | 175.0% (78.8%) | $5.18 (133.3%) |
| 2022 | $1.3b (-2.0%) | $2.1b (-10.6%) | $4.0b (75.5%) | 159.6% (-8.8%) | $4.12 (-20.5%) |
| 2023 | $1.3b (-2.5%) | $1.6b (-22.4%) | $2.8b (-30.2%) | 127.0% (-20.4%) | $3.14 (-23.8%) |
| 2024 | $1.5b (21.1%) | $1.5b (-6.2%) | $1.9b (-32.6%) | 98.4% (-22.5%) | $3.05 (-2.9%) |
| 2025 | $1.6b (6.7%) | $1.8b (21.3%) | $2.0b (8.4%) | 112.0% (13.8%) | $3.90 (27.9%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.