BIT/1CFG (BIT/1CFG)

Borsa Italiana: BIT/1CFG · EUR

€56.9

+1.86 (+3.4%)· Recorded snapshot

Market cap	24.7B
Revenue (ttm)	7.4B
Net income (ttm)	1.9B
EPS (ttm)	€4.45
P/E (trailing)	12.8x
P/E (forward)	10.7x
Dividend	€1.19 (2.08%)

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 7.4B
Net income (ttm): 1.9B
EPS (ttm): €4.45
P/E (trailing): 12.8x
P/E (forward): 10.7x
Market cap: 24.7B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E10.7

P25 9.9P50 11.4P75 15.9

Trailing P/E12.8

P25 10.6P50 12.9P75 19.7

ROE8.9

P25 9.2P50 13.9P75 20.3

ROICn/a

P25 4.1P50 8.8P75 16.9

Benchmarks · 1M

All BIT/1CFG indicators

Market & fundamental data

Available fields

190

Groups with data

Currency

USD

Showing 190 of 190 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	EUR
Country	United States
Country code	IT
Earnings date	2026-10-16
Employees	17,609
Employees change	111
Employees growth	0.64%
Exchange	Borsa Italiana
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-10-10
Fiscal year end	December
Founded	1828
Industry	Banks - Regional
Is primary listing	No
ISIN number	US1746101054
Last earnings date	2026-10-16
Last refreshed	2026-10-28
Market cap	EUR 24.7B
Next earnings date	2027-01-15
Price	EUR 56.94
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-02
Symbol	bit/1CFG
Website	https://www.citizensbank.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	11.5x
Average P/E ratio (3Y)	13.64x
Average P/E ratio (5Y)	11.56x
Earnings yield	7.81%
FCF yield	8.56%
Forward P/E	10.66x
Graham number	70.45611
Graham upside	23.74%
Industry forward P/E	10.54x
Industry P/E	11.33x
Lynch fair value	EUR 21.59
Lynch upside	-62.09%
P/B ratio	1.11x
P/E ratio	12.81x
P/FCF ratio	11.68x
P/OCF ratio	10.99x
P/S ratio	3.34x
Price / tangible book value	1.92x
Sector forward P/E	10.82x
Sector P/E	11.69x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	21.41%
FCF margin	28.83%
Operating margin	34.07%
Pretax margin	34.38%
Profit margin	27.02%
Profit per employee	EUR 106,318
Profitable quarters	52
Profitable years	12
Revenue per employee	EUR 419,772
ROA	0.99%
ROA (5Y)	0.9%
ROE	8.9%
ROE (5Y)	7.8%
Tax / revenue	7.36%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	38.61%
EPS growth (Q)	34.29%
EPS growth (QoQ)	8.46%
EPS growth 10Y	10.4%
EPS growth 3Y	7.03%
EPS growth 5Y	-0.12%
EPS growth quarters	7
EPS growth years	1
FCF growth	103.37%
FCF growth 3Y	-24.9%
FCF growth 5Y	12.31%
Net income growth	33.1%
Net income growth (Q)	28.75%
Net income growth (QoQ)	8.12%
Net income growth 3Y	2.87%
Net income growth 5Y	-0.06%
Net income growth quarters	7
Net income growth years	1
OCF growth	94.48%
OCF growth 10Y	5.84%
OCF growth 3Y	-24.09%
OCF growth 5Y	12.08%
Revenue growth	12.78%
Revenue growth (Q)	11.86%
Revenue growth (QoQ)	2.23%
Revenue growth 10Y	5.79%
Revenue growth 3Y	2.67%
Revenue growth 5Y	4.01%
Revenue growth quarters	5
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	EUR -132.9M
EPS	EUR 4.45
Financing cash flow	EUR 11.1B
Free cash flow	EUR 2.1B
Gross profit	EUR 7.4B
Income taxes	EUR 544.2M
Investing cash flow	EUR -9.6B
Net borrowing	EUR 3.2B
Net cash flow	EUR 3.8B
Net income	EUR 1.9B
Operating income	EUR 2.5B
Revenue	EUR 7.4B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	EUR 47.98
Debt / equity	0.71
Debt / FCF	7.43
Goodwill	EUR 7.4B
Net cash (debt)	EUR -3.8B
Net cash / market cap	-15.24%
Net debt / equity	0.17
Net debt / FCF	1.78
Piotroski F-Score	4
Property, plant and equipment	EUR 793M
Shareholders' equity	EUR 22.2B
Tangible book value	EUR 12.9B
Tangible book value per share	EUR 30.59
Total assets	EUR 206.5B
Total cash	EUR 11.9B
Total debt	EUR 15.7B
Total liabilities	EUR 184.3B

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -151.1B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	2.42%
Dividend growth	-22.24%
Dividend growth (3Y)	45.09%
Dividend growth (5Y)	-2.51%
Dividend growth years	2
Dividend payment date	2026-08-13
Dividend payment years	3
Dividend payout frequency	Quarterly
Dividend per share	EUR 1.19
Dividend yield	2.08%
Ex-dividend date	2026-07-29
Last dividend	EUR 0.40
Payout ratio	26.67%
Shareholder yield	4.5%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	EUR 57.33
1D price change	3.38%
1M price change	-3.49%
1M total return	-3.49%
1W price change	0.96%
1W total return	0.96%
1Y price change	26.39%
1Y return CAGR	29.03%
1Y total return	29.01%
20-day SMA	EUR 58.39
200-day SMA	EUR 56.32
3M price change	-9.73%
3M total return	-9.15%
50-day SMA	EUR 60.55
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 65.00
52-week high date	2026-07-16
52-week low	EUR 41.08
52-week low date	2025-10-21
6M price change	8.03%
6M total return	9.48%
All-time high	EUR 65.00
All-time high date	2026-07-16
All-time low	EUR 32.20
All-time low date	2025-04-30
Average true range (ATR)	EUR 0.80
Average volume	2.5
Change from 52-week high	-12.4%
Change from 52-week low	38.62%
Change from all-time high	-12.4%
Change from all-time low	76.86%
Change from open	0%
Day's gap	3.38%
High price	EUR 56.94
Low price	EUR 56.94
Monthly RSI	78.1
Open price	EUR 56.94
Previous close	EUR 55.08
Price vs 150-day SMA	-0.69%
Price vs 20-day SMA	-2.48%
Price vs 200-day SMA	1.1%
Price vs 50-day SMA	-5.96%
Relative volume	8
RSI	41.22
Sharpe ratio	0.9
Sortino ratio	1.53
Weekly RSI	47.83
YTD price change	13.79%
YTD total return	16.14%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	417.1M
Shares change (QoQ)	-0.24%
Shares change (YoY)	-2.42%
Shares held by insiders	0.88%
Shares held by institutions	98.59%
Short ratio	4.3 days

Deeper analysis on BIT/1CFG

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BIT/1CFG report

Is a complete BIT/1CFG research report available?

No complete published report is available for bit/1CFG (BIT/1CFG) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BIT/1CFG (BIT/1CFG)

Price

Financial snapshot

Fair-value bridge

Latest news · BIT/1CFG

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BIT/1CFG indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BIT/1CFG

Frequently asked questions