Citizens Financial Group, Inc.

Citizens Financial Group, Inc.

CFG · NYSE · Financial Services / Banks - Regional

65.26USD+0.40 (+0.62%)

Price History

Full chart

Market Stats

Previous Close64.86
Open65.43
Day Range64.21 – 65.49
52-Week Range48.00 – 75.33
Volume2.25M
Market Cap27.44B
P/E (TTM)14.19
Forward P/E10.28
EPS4.59
Dividend Yield3.19%
Beta1.06
50-Day Avg67.19
200-Day Avg65.47

About

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, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and 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. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. 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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Bruce Winfield Van Saun
  • Employees17.61K
  • HeadquartersOne Citizens Plaza, Providence, RI, United States, 02903, USA
  • Websitehttps://www.citizensbank.com

Leadership

  • Mr. Bruce Winfield Van SaunCEO & Chairman of the Board · b. 1957
  • Mr. Brendan CoughlinPresident and Head of Consumer, Private Banking & Wealth · b. 1980
  • Mr. Aunoy BanerjeeExecutive VP & CFO · b. 1978
  • Mr. Chris EmersonHead of Investor Relations
  • Mr. Theodore C. SwimmerExecutive VP & Head of Commercial Banking · b. 1969
  • Mr. Christopher J. SchnirelExecutive VP, Chief Accounting Officer & Controller · b. 1972
  • Mr. Michael RuttledgeExecutive VP, Chief Information Officer and Head of Enterprise Security & Technology · b. 1964
  • Ms. Michelle MoosallyExecutive Vice President, General Counsel and Chief Legal Officer · b. 1976
  • Ms. Susan A. LaMonicaExecutive VP & Chief HR Officer · b. 1962
  • Mr. Thomas M. MetzgerHead of Citizens Private Wealth Manager · b. 1952

Financials

Income Statement

Currency: USD2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue5.92B5.51B5.13B5.05B5.28B5.76B6.45B7.35B8.07B7.68B6.99B9.07B12.19B12.35B11.15B
Growth (%)--6.80%-6.89%-1.54%+4.39%+9.23%+11.99%+13.94%+9.68%-4.84%-8.99%+29.82%+34.38%+1.31%-9.71%
Cost of Revenue1.77B1.03B922.00M682.00M754.00M877.00M1.07B1.55B1.97B2.39B-72.00M1.52B4.65B5.24B3.37B
Gross Profit4.15B4.48B4.21B4.37B4.52B4.89B5.39B5.80B6.10B5.29B7.06B7.55B7.54B7.11B7.78B
Gross Margin70.14%81.28%82.04%86.51%85.71%84.78%83.45%78.90%75.60%68.90%101.03%83.22%61.84%57.56%69.75%
Operating Expense3.37B3.46B7.68B3.10B3.26B3.35B3.47B3.62B3.85B3.99B4.08B4.89B5.51B5.22B5.45B
Operating Income778.00M1.02B-3.47B1.27B1.26B1.53B1.91B2.18B2.25B1.30B2.98B2.65B2.03B1.89B2.33B
Operating Margin13.15%18.57%-67.56%25.09%23.94%26.62%29.63%29.68%27.91%16.91%42.61%29.28%16.66%15.29%20.88%
EBITDA1.21B1.49B-3.06B1.65B1.73B2.05B2.40B2.67B2.88B1.88B3.60B3.22B2.51B2.39B2.81B
EBITDA Margin20.49%27.05%-59.69%32.73%32.87%35.55%37.17%36.33%35.76%24.44%51.56%35.51%20.58%19.32%25.17%
Net Income506.00M643.00M-3.43B865.00M840.00M1.04B1.65B1.72B1.79B1.06B2.32B2.07B1.61B1.51B1.83B
Net Income Margin8.55%11.66%-66.74%17.12%15.92%18.13%25.60%23.40%22.20%13.77%33.19%22.86%13.19%12.22%16.42%
R&D---00000-------
R&D as % of Total Revenue---0.00%0.00%0.00%0.00%0.00%-------
Interest Expense884.00M619.00M443.00M363.00M452.00M508.00M747.00M1.23B1.57B771.00M339.00M1.05B3.96B4.55B3.81B
Interest Expense % of Total Revenue14.95%11.23%8.63%7.18%8.57%8.81%11.57%16.67%19.53%10.04%4.85%11.56%32.52%36.88%34.18%

Balance Sheet

Currency: USD2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets-127.05B122.15B132.86B138.21B149.52B152.34B160.52B165.73B183.35B188.41B226.73B221.96B217.52B226.35B
Total Liabilities-102.92B102.96B113.59B118.56B129.77B132.07B139.70B143.53B160.68B164.99B203.04B197.62B193.27B200.03B
Total Equity-24.13B19.20B19.27B19.65B19.75B20.27B20.82B22.20B22.67B23.42B23.69B24.34B24.25B26.32B
Cash-3.19B2.99B3.65B3.44B4.14B3.22B4.22B3.68B13.04B9.47B10.85B12.03B11.24B12.73B
Total Debt-4.80B8.45B11.51B13.00B16.66B13.93B16.38B14.18B8.72B7.01B15.89B13.97B12.40B11.28B
Net Debt-1.61B5.46B7.25B9.07B11.86B10.40B11.86B10.37B-4.45B-2.47B5.04B1.94B1.17B-1.45B

Cash Flow

Currency: USD2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow2.48B1.71B2.65B1.39B1.23B1.49B1.88B1.77B1.70B111.00M2.27B4.12B2.96B2.00B2.21B
Investing Cash Flow-2.03B919.00M-2.45B-10.27B-5.91B-11.33B-3.98B-7.08B-3.88B-6.14B-10.49B-12.64B5.25B2.99B-5.97B
Financing Cash Flow-1.67B-3.26B-502.00M9.40B4.49B10.46B1.43B6.35B1.49B15.37B4.64B9.91B-7.13B-6.01B5.88B
Capital Expenditure368.00M371.00M368.00M311.00M299.00M303.00M440.00M232.00M366.00M118.00M124.00M126.00M172.00M122.00M174.00M
Free Cash Flow2.11B1.34B2.28B1.08B930.00M1.19B1.44B1.53B1.33B-7.00M2.15B3.99B2.79B1.88B2.04B
Dividends Paid-150.00M1.19B806.00M221.00M255.00M336.00M485.00M682.00M770.00M783.00M892.00M928.00M903.00M888.00M
FCF to OCF85.16%78.35%86.11%77.63%75.67%79.66%76.63%86.87%78.43%-6.31%94.55%96.94%94.19%93.90%92.13%
Dividend Paid to FCF-11.17%51.95%74.70%23.76%21.48%23.28%31.60%51.24%-11000.00%36.40%22.34%33.27%48.06%43.59%

Earnings

Report DateOct 27, 2014Jan 26, 2015Apr 22, 2015Jul 21, 2015Oct 23, 2015Jan 22, 2016Apr 21, 2016Jul 21, 2016Oct 21, 2016Jan 20, 2017Apr 20, 2017Jul 21, 2017Oct 20, 2017Jan 19, 2018Apr 20, 2018Jul 20, 2018Oct 19, 2018Jan 18, 2019Apr 18, 2019Jul 19, 2019Oct 18, 2019Jan 17, 2020Apr 17, 2020Jul 17, 2020Oct 16, 2020Jan 20, 2021Apr 16, 2021Jul 20, 2021Oct 20, 2021Jan 19, 2022Apr 19, 2022Jul 19, 2022Oct 19, 2022Jan 17, 2023Apr 19, 2023Jul 19, 2023Oct 18, 2023Jan 17, 2024Apr 17, 2024Jul 17, 2024Oct 16, 2024Jan 17, 2025Apr 16, 2025Jul 17, 2025Oct 15, 2025Jan 21, 2026Apr 16, 2026Jul 16, 2026Oct 16, 2026Jan 20, 2027
EPS Estimate0.350.360.350.380.400.420.390.430.480.520.510.590.640.670.760.850.900.940.890.940.960.950.670.150.750.880.981.141.151.130.911.021.271.321.131.000.910.840.760.790.790.830.750.881.031.111.091.251.38-
EPS Actual0.360.390.390.400.400.420.410.460.520.550.610.630.680.710.780.880.930.980.930.960.980.990.940.550.731.041.411.461.221.261.071.141.301.321.101.040.890.850.790.820.790.850.770.921.051.131.131.301.41-
Surprise2.86%8.33%11.43%5.26%0.00%0.00%5.13%6.98%8.33%5.77%19.61%6.78%6.25%5.97%2.63%3.53%3.33%4.26%4.49%2.13%2.08%4.21%40.30%266.67%-2.67%18.18%43.88%28.07%6.09%11.50%17.58%11.76%2.36%0.00%-2.65%4.00%-2.20%1.19%3.95%3.80%0.00%2.41%2.67%4.55%1.94%1.80%3.67%4.00%2.17%-
TimingPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap27.44B
Enterprise Value33.92B
Trailing P/E14.19
Forward P/E10.28
PEG Ratio1.65
Price / Sales3.27
Price / Book1.17
EPS4.59
Book Value54.49
Revenue (TTM)8.39B
Gross Profit (TTM)8.39B
Profit Margin27.02%
Operating Margin36.60%
Return on Equity8.90%
Return on Assets0.99%
Shares Outstanding421.22M
Shares Float417.08M
Beta1.06
Dividend Yield3.19%
Dividend Rate2.08
Payout Ratio31.56%

Analyst Ratings

Buy
Based on 20 analystsTarget 76.61
  • Strong Buy
    12
  • Buy
    5
  • Hold
    3

Ownership Breakdown

Institutions
100.12%
Insiders
0.71%
Retail / Other
0.00%

Top Institutional Holders

  • BlackRock Inc
    48.74M11.57%
  • Vanguard Capital Management, LLC
    26.91M6.39%
  • Capital World Investors
    23.27M5.52%
  • Amvescap Plc.
    22.15M5.26%
  • State Street Corp
    21.24M5.04%
  • Vanguard Portfolio Management, LLC
    20.57M4.88%
  • Morgan Stanley - Brokerage Accounts
    12.26M2.91%
  • Geode Capital Management, LLC
    11.82M2.81%
  • Ninety One UK Limited
    7.85M1.86%
  • AQR Capital Management LLC
    7.63M1.81%
  • Nordea Investment Mgmt Bank Demark A/s
    7.26M1.72%
  • Charles Schwab Investment Management Inc
    6.55M1.56%
  • NORGES BANK
    5.93M1.41%
  • LSV Asset Management
    5.75M1.36%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    12.70M3.01%
  • Vanguard 500 Index Investor
    11.06M2.63%
  • Vanguard MStar Mid Cap Index Instl
    8.57M2.03%
  • American Funds Income Fd of Amer A
    8.49M2.02%
  • American Funds Washington Mutual A
    7.89M1.87%
  • iShares Core S&P 500 ETF
    5.61M1.33%

Dividends

20264×
0.52Oct 30, 20260.46Jul 30, 20260.46Apr 30, 20260.46Feb 4, 2026
20254×
0.46Oct 29, 20250.42Jul 31, 20250.42Apr 30, 20250.42Jan 31, 2025
20244×
0.42Oct 30, 20240.42Jul 31, 20240.42Apr 30, 20240.42Jan 30, 2024
20234×
0.42Oct 31, 20230.42Aug 1, 20230.42May 2, 20230.42Jan 30, 2023
20224×
0.42Nov 1, 20220.42Aug 1, 20220.39May 2, 20220.39Jan 28, 2022
20214×
0.39Oct 28, 20210.39Jul 29, 20210.39Apr 28, 20210.39Feb 2, 2021