Skip to main content
Back
Watch Compare

CITIZENS FINANCIAL GROUP INC/RI

Data quality: 100%
Also listed as CFG-PH NYSE CFG-PI NYSE
CFG-PE
NYSE Financial Services Depository Institutions
$18.97
▼ $0.05 (-0.27%)
Mkt Cap: 8.32 B
Price
$19.05
Mkt Cap
8.32 B
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

Revenue grew 5.54% annually over 5 years — modest growth
Earnings grew 21.34% over the past year
Net margin of 22.20% shows strong profitability
Debt/Equity of 0.41 — conservative balance sheet
Generating 2.21 B in free cash flow
P/E of 4.55 — trading at a low valuation

Growth

Revenue Growth (5Y)
5.54%
Below sector avg (5.90%)
Revenue (1Y)5.61%
Earnings (1Y)21.34%
FCF Growth (3Y)-13.59%

Quality

Return on Equity
7.17%
Below sector avg (9.24%)
ROICN/A
Net Margin22.20%
Op. MarginN/A

Safety

Debt / Equity
0.41
Below sector avg (0.49)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
4.55
Below sector avg (11.15)
P/B Ratio0.32
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2180 peers)
Metric Stock Sector Median
P/E 4.6 11.1
P/B 0.3 1.2
ROE % 7.2 9.2
Net Margin % 22.2 9.4
Rev Growth 5Y % 5.5 5.9
D/E 0.4 0.5

Analyst Price Target

No analyst coverage available

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 — 9.86 B —
FY2026 — 9.06 B —

All Fundamental Metrics
Growth
Revenue Growth (1Y) 5.61% Revenue Growth (3Y) 0.14%
Earnings Growth (1Y) 21.34% Earnings Growth (3Y) 6.71%
Revenue Growth (5Y) 5.54% Earnings Growth (5Y) -5.74%
Profitability
Revenue (TTM) 8.25 B Net Income (TTM) 1.83 B
ROE 7.17% ROA 0.83%
Gross Margin N/A Operating Margin N/A
Net Margin 22.20% Free Cash Flow (TTM) 2.21 B
ROIC N/A FCF Growth (3Y) -13.59%
Safety
Debt / Equity 0.41 Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.04
Working Capital N/A Tangible Book Value 17.64 B
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 4.55 Forward P/E N/A
P/B Ratio 0.32 P/S Ratio 1.01
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 26.57%
Market Cap 8.32 B Enterprise Value 18.98 B
Per Share
EPS (Diluted TTM) 3.86 Revenue / Share 18.88
FCF / Share 5.06 OCF / Share 5.06
EPS CAGR (1Y) 27.39% EPS CAGR (5Y) -7.00%
EPS CAGR (10Y) 7.76%
Efficiency
CapEx / Revenue N/A FCF Conversion 120.75%
SBC-Adj. FCF N/A Growth Momentum 0.07

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 8.25 B 7.81 B 8.22 B 8.02 B 6.65 B
Net Income 1.83 B 1.51 B 1.61 B 2.07 B 2.32 B
EPS (Diluted) 3.86 3.03 3.13 4.10 5.16
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 5.85 B 5.63 B 3.96 B 1.05 B 339.00 M
Income Tax 497.00 M 379.00 M 422.00 M 582.00 M 658.00 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 226.35 B 217.52 B 221.96 B 226.73 B 188.41 B
Total Liabilities 200.03 B 193.27 B 197.62 B 203.04 B 164.99 B
Shareholders' Equity 26.32 B 24.25 B 24.34 B 23.69 B 23.42 B
Total Debt 11.28 B 12.40 B 13.97 B 15.89 B 7.01 B
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —