CFG Citizens Financial Group Inc

Price (delayed)

$31.39

Market cap

$14.4B

P/E Ratio

10

Dividend/share

$1.68

EPS

$3.14

Enterprise value

$16.34B

Citizens Financial Group, Inc. is an American bank headquartered in Providence, Rhode Island, which operates in the states of Connecticut, Delaware, Maine, Massachusetts, Michigan, New Hampshire, New Jersey, New York, ...

Highlights
The company's debt fell by 21% QoQ and by 12% YoY
Citizens Financial Group's equity has increased by 6% QoQ and by 2.8% YoY
CFG's price to earnings (P/E) is 29% higher than its last 4 quarters average of 7.6 and 3.1% higher than its 5-year quarterly average of 9.5
The EPS has declined by 24% year-on-year and by 22% since the previous quarter

Key stats

What are the main financial stats of CFG
Market
Shares outstanding
458.76M
Market cap
$14.4B
Enterprise value
$16.34B
Valuations
Price to book (P/B)
0.6
Price to sales (P/S)
1.98
EV/EBIT
8.54
EV/EBITDA
6.83
EV/Sales
2.17
Earnings
Revenue
$7.54B
EBIT
$1.91B
EBITDA
$2.39B
Free cash flow
$2.79B
Per share
EPS
$3.14
Free cash flow per share
$5.87
Book value per share
$52.21
Revenue per share
$15.86
TBVPS
$449.64
Balance sheet
Total assets
$221.96B
Total liabilities
$197.62B
Debt
$13.97B
Equity
$24.34B
Working capital
N/A
Liquidity
Debt to equity
0.57
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.81
Margins
EBITDA margin
31.7%
Gross margin
100%
Net margin
19.8%
Operating margin
26.9%
Efficiency
Return on assets
0.7%
Return on equity
6.3%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
25.4%
Dividend
Dividend yield
5.35%
DPS
$1.68
Payout ratio
53.5%

CFG stock price

How has the Citizens Financial Group stock price performed over time
Intraday
2.11%
1 week
1%
1 month
-8.38%
1 year
-24.83%
YTD
-5.28%
QTD
-5.28%

Financial performance

How have Citizens Financial Group's revenue and profit performed over time
Revenue
$7.54B
Gross profit
$7.54B
Operating income
$2.03B
Net income
$1.49B
Gross margin
100%
Net margin
19.8%
The company's net margin fell by 24% YoY and by 21% QoQ
The operating income has declined by 24% year-on-year and by 23% since the previous quarter
CFG's net income is down by 24% year-on-year and by 24% since the previous quarter
Citizens Financial Group's operating margin has decreased by 24% YoY and by 21% from the previous quarter

Growth

What is Citizens Financial Group's growth rate over time

Valuation

What is Citizens Financial Group stock price valuation
P/E
10
P/B
0.6
P/S
1.98
EV/EBIT
8.54
EV/EBITDA
6.83
EV/Sales
2.17
CFG's price to earnings (P/E) is 29% higher than its last 4 quarters average of 7.6 and 3.1% higher than its 5-year quarterly average of 9.5
The EPS has declined by 24% year-on-year and by 22% since the previous quarter
The price to book (P/B) is 16% lower than the 5-year quarterly average of 0.7
Citizens Financial Group's equity has increased by 6% QoQ and by 2.8% YoY
The price to sales (P/S) is 19% less than the 5-year quarterly average of 2.4 but 8% more than the last 4 quarters average of 1.8
The revenue fell by 3.2% QoQ

Efficiency

How efficient is Citizens Financial Group business performance
The ROS has declined by 25% year-on-year and by 22% since the previous quarter
The ROE has contracted by 25% YoY and by 24% from the previous quarter
Citizens Financial Group's return on invested capital has decreased by 25% YoY and by 18% QoQ
The company's return on assets fell by 22% QoQ and by 22% YoY

Dividends

What is CFG's dividend history
DPS
$1.68
Dividend yield
5.35%
Payout ratio
53.5%
Recent dividends

Financial health

How did Citizens Financial Group financials performed over time
The company's total assets is 12% higher than its total liabilities
Citizens Financial Group's total liabilities has decreased by 2.7% YoY and by 2.4% from the previous quarter
The company's total assets fell by 2.1% YoY
The company's debt is 43% lower than its equity
The debt to equity has contracted by 26% from the previous quarter and by 15% YoY
The company's debt fell by 21% QoQ and by 12% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.