Citizens Financial Group, Inc.
CFGFinancial Services · Stock · quarterly payer
Forward Yield
2.54%
Annual Dividend
$1.84
Payout Ratio
39%
5-Yr Growth
2.0%
Ex-Date
Jul 30, 2026
Frequency
Quarterly
Summary
As of July 2026, Citizens Financial Group, Inc. (CFG) yields 2.54% ($1.84 per share annually), with a blended fair-value estimate of $123.46 — +71% upside, so it screens as undervalued. Dividend safety grade: A (89/100). 1 years of dividend growth.
Is CFG a good dividend stock?
YesCitizens Financial Group, Inc. (CFG) pays a quarterly dividend yielding 2.54% ($1.84/yr), with 1 year of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Never cut its dividend on record
- Comfortable payout ratio (39%)
- 65% total price return over 5 years
- Top-tier dividend safety score
Risks
- Single-stock concentration risk — diversify
Key Data
- Dividend Yield
- 2.54%
- Payout Ratio
- 39%
- Annual Dividend
- $1.84
- 5-Yr Avg Growth
- 2.0%
- Ex-Dividend Date
- Jul 30, 2026
- Years of Growth
- 1
- Frequency
- quarterly
- Beta
- 1.00
- Market Cap
- $30.2B
- P/E Ratio
- 15.8
- 5-Yr Total Return
- 65%
- 52-Week Range
- $45.91 – $74.70
- Dividend Safety
- A · 89/100
- Ever Cut?
- No
Frequently Asked Questions
CFG Price — Last 12 Months
Daily close
Price Return
1 Year
+38%
3 Years
+157%
5 Years
+65%
52-Week Range
$45.91 – $74.70
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is CFG worth?
Undervaluedmedium confidenceOur blended fair-value estimate for Citizens Financial Group, Inc. is $123.46 per share, versus a market price of $72.39. That implies 71% of upside — a margin of safety of about 41%.
Fair Value
$123.46
Current Price
$72.39
Upside
+71%
Margin of Safety
41%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about 2.0% annual free-cash-flow growth. We model 20.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 9.3% discount rate (CAPM), 20.0% stage-1 growth, 2.5% terminal growth, $4.59 EPS, $1.84 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
CFG Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Apr 30, 2026 | — | $0.4600 | regular |
| Feb 4, 2026 | — | $0.4600 | regular |
| Oct 29, 2025 | — | $0.4600 | regular |
| Jul 31, 2025 | — | $0.4200 | regular |
| Apr 30, 2025 | — | $0.4200 | regular |
| Jan 31, 2025 | — | $0.4200 | regular |
| Oct 30, 2024 | — | $0.4200 | regular |
| Jul 31, 2024 | — | $0.4200 | regular |
| Apr 30, 2024 | — | $0.4200 | regular |
| Jan 30, 2024 | — | $0.4200 | regular |
| Oct 31, 2023 | — | $0.4200 | regular |
| Aug 1, 2023 | — | $0.4200 | regular |
| May 2, 2023 | — | $0.4200 | regular |
| Jan 30, 2023 | — | $0.4200 | regular |
Income Calculator
At $1.84 / yr per share
