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Ticker
CFG

Price
34.82
Stock movement up
+0.03 (0.09%)
Company name
Citizens Financial Group, Inc.
Exchange
(NYSE
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
15.35B
Ent value
198.56B
Price/Sales
1.50
Price/Book
0.62
Div yield
4.82%
Div growth
11.38%
Growth years
7
FCF payout
47.86%
Trailing P/E
11.83
Forward P/E
9.07
PEG
2.07
EPS growth
-1.20%
1 year return
2.99%
3 year return
-6.12%
5 year return
12.26%
10 year return
3.41%
Last updated: 2025-04-11

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.68
Dividend yield4.82%
Payout frequencyQuarterly
Maximum yield9.07%
Average yield4.59%
Minimum yield2.77%
Discount to avg yield4.82%
Upside potential5.07%
Yield as % of max yield53.17%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield4.82%
Current yield distribution36.11%
Yield at 100% (Min)2.77%
Yield at 90%3.28%
Yield at 80%3.55%
Yield at 50% (Median)4.26%
Yield at 20%5.80%
Yield at 10%6.29%
Yield at 0% (Max)9.07%

Dividend per share

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Dividend per share data
Years of growth7 years
CCC statusDividend Challenger
Dividend per share1.68
Payout frequencyQuarterly
Ex-div date31 Jan 2025
EPS (TTM)2.88
EPS (1y forward)3.84
EPS growth (5y)-1.20%
EPS growth (5y forward)5.72%

Dividend growth

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Dividend growth data
CFGS&P500
DGR MR7.69%-13.74%
DGR TTM-6.60%
DGR 3 years2.50%5.24%
DGR 5 years11.38%5.40%
DGR 10 years-7.07%
DGR 15 years-6.12%
Time since last change announced1001 days
EPS growth (5y)-1.20%
EPS growth (5y forward)5.72%

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM69.93%47.86%
Average--
Forward43.76%-

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VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E11.83
Price to OCF7.61
Price to FCF8.10
Price to EBITDA17.40
EV to EBITDA225.12

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.50
Price to Book0.62
EV to Sales19.44

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FINANCIALS

Per share

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Per share data
Current share count440.70M
EPS (TTM)2.88
FCF per share (TTM)4.21

Income statement

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Income statement data
Revenue (TTM)10.21B
Gross profit (TTM)10.16B
Operating income (TTM)1.72B
Net income (TTM)1.30B
EPS (TTM)2.88
EPS (1y forward)3.84

Margins

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Margins data
Gross margin (TTM)99.44%
Operating margin (TTM)16.84%
Profit margin (TTM)12.70%

Balance Sheet

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Balance Sheet data
Cash11.56B
Net receivables0.00
Total current assets33.81B
Goodwill8.19B
Intangible assets137.00M
Property, plant and equipment0.00
Total assets219.71B
Accounts payable0.00
Short/Current long term debt13.96B
Total current liabilities93.34B
Total liabilities194.77B
Shareholder's equity24.93B
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)2.02B
Capital expenditures (TTM)122.00M
Free cash flow (TTM)1.90B
Dividends paid (TTM)907.00M

Financial returns

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Financial returns data
Return on Equity5.20%
Return on Assets0.59%
Return on Invested Capital4.82%
Cash Return on Invested Capital7.04%

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STOCK INFORMATION

Stock chart

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Stock price data
Open34.40
Daily high35.17
Daily low33.73
Daily Volume6.85M
All-time high56.35
1y analyst estimate50.23
Beta1.32
EPS (TTM)2.88
Dividend per share1.68
Ex-div date31 Jan 2025
Next earnings date16 Apr 2025

Downside potential

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Downside potential data
CFGS&P500
Current price drop from All-time high-38.21%-12.89%
Highest price drop-68.00%-56.47%
Date of highest drop18 Mar 20209 Mar 2009
Avg drop from high-22.14%-11.07%
Avg time to new high31 days12 days
Max time to new high825 days1805 days

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COMPANY DETAILS
CFG (Citizens Financial Group, Inc.) company logo
Marketcap
15.35B
Marketcap category
Large-cap
Description
Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment serves corporate banking, healthcare, technology, asset finance, franchise finance, leasing, asset-based lending, commercial real estate, mid-corporate, and private equity sponsor industries. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.
Employees
17329
SEC filings
CEO
Bruce Winfield van Saun
Country
USA
City
Providence
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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