MEDIUM confidence: 100% data completeness, but the composite (60) sits in the indecisive 30–70 range — strong-buy and short calls require a more decisive composite. What does confidence mean?
Technical context for active traders — derived from price, the 50/200-day moving averages, the 52-week range, and recent volume. Not part of the QScore.
Fama-French 5-factor (2×3) + Momentum, monthly OLS with Newey-West errors. Bars show signed factor betas; faded bars/figures aren't statistically significant.
Avg target $73 (last qtr, 4 analysts) → $72 (last mo, 1) (-1.0%).
Buy-rated share 91% → 89% over ~3 months (-2pp).
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Apr 2026 | $1.09 | $1.13 | +3.7% |
| Jan 2026 | $1.10 | $1.13 | +2.7% |
| Oct 2025 | $1.03 | $1.05 | +1.9% |
| Jul 2025 | $0.88 | $0.92 | +4.2% |
| Apr 2025 | $0.75 | $0.77 | +2.8% |
| Jan 2025 | $0.83 | $0.85 | +2.4% |
| Oct 2024 | $0.79 | $0.77 | -2.5% |
| Jul 2024 | $0.79 | $0.78 | -1.3% |
| Metric (USD) | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $7.0B— | $9.1B+29.8% | $12.2B+34.4% | $12.3B+1.3% | $11.1B-9.7% |
| EPS (dil.) | $5.16— | $4.10-20.5% | $3.13-23.7% | $3.03-3.2% | $3.86+27.4% |
| Free Cash Flow | $2.2B— | $4.0B+85.6% | $2.8B-30.2% | $1.9B-32.6% | $2.0B+8.4% |
| Gross Margin | 101.0% | 83.2%-17.8pp | 61.8%-21.4pp | 57.6%-4.3pp | 69.8%+12.2pp |
| Operating Margin | 42.6% | 29.3%-13.3pp | 16.7%-12.6pp | 15.3%-1.4pp | 20.9%+5.6pp |
| Net Margin | 33.2% | 22.9%-10.3pp | 13.2%-9.7pp | 12.2%-1.0pp | 16.4%+4.2pp |
Absolute figures with year-over-year change. Margins show the level with the change in percentage points (pp). “n/m” = not meaningful (prior ≤ 0); ⚠ marks a large percentage off a small base — read the dollar figure.
Net insider -$1.1M over 180 days (0 open-market buys, 2 sells). Insider buying is the informative signal; routine selling is normal.
Short interest, days-to-cover, and institutional-ownership change require a data-plan upgrade (not yet available).
Forward-return IC, quintile spread & hit rate publish on /performance as the tracking panel accrues enough no-look-ahead history.
Net buyback (repurchases less issuance) ÷ market cap, plus trailing dividend yield.
The QScore of 60 for Citizens Financial Group indicates a moderately attractive stock, with the short-term score of 64 being notably higher than the long-term score of 56. The stock scores high on momentum, with a 12-month return of 63.3% and a bullish 50-day versus 200-day moving average. In contrast, growth and profitability scores are lower, driven by negative revenue growth and an ROE of 7.6%. The stock trades at a reasonable valuation, with a P/E of 16.5 and P/B of 1.1.