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Price (delayed)
$46.77
Market cap
$20.61B
P/E Ratio
18.2
Dividend/share
$1.68
EPS
$2.57
Enterprise value
$23.01B
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
Citizens Financial Group's equity has increased by 9% YoY and by 4.5% QoQ
The company's debt fell by 21% YoY but it rose by 7% QoQ
CFG's price to earnings (P/E) is 77% higher than its 5-year quarterly average of 10.3 and 37% higher than its last 4 quarters average of 13.3
CFG's net income is down by 40% year-on-year and by 4.6% since the previous quarter
Key stats
What are the main financial stats of CFG
Market
Valuations
Earnings
Shares outstanding
440.7M
Market cap
$20.61B
Enterprise value
$23.01B
Price to book (P/B)
0.84
Price to sales (P/S)
2.94
EV/EBIT
15.85
EV/EBITDA
11.79
EV/Sales
3.23
Revenue
$7.12B
EBIT
$1.45B
EBITDA
$1.95B
Free cash flow
$2.07B
Per share
Balance sheet
Liquidity
EPS
$2.57
Free cash flow per share
$4.63
Book value per share
$55.61
Revenue per share
$15.93
TBVPS
$473.35
Total assets
$219.71B
Total liabilities
$194.77B
Debt
$13.96B
Equity
$24.93B
Working capital
N/A
Debt to equity
0.56
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.23
Margins
Efficiency
Dividend
EBITDA margin
27.4%
Gross margin
100%
Net margin
16.4%
Operating margin
22.3%
Return on assets
0.5%
Return on equity
4.8%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
20.4%
Dividend yield
3.59%
DPS
$1.68
Payout ratio
65.4%
CFG stock price
How has the Citizens Financial Group stock price performed over time
Intraday
1.41%
1 week
0.41%
1 month
13.91%
1 year
74%
YTD
41.13%
QTD
13.88%
Financial performance
How have Citizens Financial Group's revenue and profit performed over time
Revenue
$7.12B
Gross profit
$7.12B
Operating income
$1.59B
Net income
$1.16B
Gross margin
100%
Net margin
16.4%
The operating income has declined by 40% year-on-year and by 4.7% since the previous quarter
CFG's net income is down by 40% year-on-year and by 4.6% since the previous quarter
Citizens Financial Group's operating margin has decreased by 35% YoY and by 3% from the previous quarter
The company's net margin fell by 35% YoY and by 3% QoQ
Growth
What is Citizens Financial Group's growth rate over time
Valuation
What is Citizens Financial Group stock price valuation
P/E
18.2
P/B
0.84
P/S
2.94
EV/EBIT
15.85
EV/EBITDA
11.79
EV/Sales
3.23
CFG's price to earnings (P/E) is 77% higher than its 5-year quarterly average of 10.3 and 37% higher than its last 4 quarters average of 13.3
The EPS has declined by 37% year-on-year and by 3% since the previous quarter
The price to book (P/B) is 20% higher than the 5-year quarterly average of 0.7 and 20% higher than the last 4 quarters average of 0.7
Citizens Financial Group's equity has increased by 9% YoY and by 4.5% QoQ
The price to sales (P/S) is 28% more than the last 4 quarters average of 2.3 and 23% more than the 5-year quarterly average of 2.4
The revenue fell by 9% YoY
Efficiency
How efficient is Citizens Financial Group business performance
The company's return on assets fell by 44% YoY
The ROE has contracted by 42% YoY and by 6% from the previous quarter
The ROS has declined by 37% year-on-year and by 4.2% since the previous quarter
Citizens Financial Group's return on invested capital has decreased by 36% YoY
Dividends
What is CFG's dividend history
DPS
$1.68
Dividend yield
3.59%
Payout ratio
65.4%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Citizens Financial Group financials performed over time
The company's total assets is 13% higher than its total liabilities
Citizens Financial Group's total liabilities has decreased by 3.8% YoY
The company's total assets fell by 2.5% YoY
The company's debt is 44% lower than its equity
The debt to equity has contracted by 27% YoY
The company's debt fell by 21% YoY but it rose by 7% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.