Citizens Financial Group, Inc. engages in the provision of commercial banking services. It operates through the following segments: Consumer Banking and Commercial Banking. The Consumer Banking segment includes deposit products, mortgage and home equity lending, student loans, auto financing, credit cards, business loans, and wealth management and investment services. The Commercial Banking segment offers lending and leasing, trade financing, deposit and treasury management, foreign exchange and interest rate risk management, corporate finance and debt, and equity capital markets. The company was founded in 1828 and is headquartered in Providence, RI.
Highlights
The company's debt fell by 46% QoQ and by 27% YoY
Citizens Financial Group's equity has increased by 2.1% QoQ
CFG's price to earnings (P/E) is 20% higher than its last 4 quarters average of 9.1 but 10% lower than its 5-year quarterly average of 12.2
CFG's net income is down by 37% year-on-year and by 16% since the previous quarter
The EPS has declined by 33% year-on-year and by 14% since the previous quarter
Key stats
What are the main financial stats of CFG
Market
Shares outstanding
426.83M
Market cap
$11.73B
Enterprise value
$13.27B
Valuations
Price to earnings (P/E)
10.95
Price to book (P/B)
0.52
Price to sales (P/S)
2.17
EV/EBIT
9.71
EV/EBITDA
6.5
EV/Sales
2.45
Earnings
Revenue
$5.41B
EBIT
$1.37B
EBITDA
$2.04B
Free cash flow
-$573M
Per share
EPS
$2.51
Free cash flow per share
-$1.34
Book value per share
$52.55
Revenue per share
$12.67
TBVPS
$405.11
Balance sheet
Total assets
$179.87B
Total liabilities
$157.46B
Debt
$9.46B
Equity
$22.42B
Working capital
N/A
Liquidity
Debt to equity
0.42
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.75
Margins
EBITDA margin
37.7%
Gross margin
100%
Net margin
20.3%
Operating margin
26.9%
Efficiency
Return on assets
0.6%
Return on equity
5%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
25.3%
Dividend
Dividend yield
5.57%
DPS
$1.53
Payout ratio
61%
CFG stock price
How has the Citizens Financial Group stock price performed over time
Financial performance
How have Citizens Financial Group's revenue and profit performed over time
Revenue
$5.41B
Gross profit
$5.41B
Operating income
$1.46B
Net income
$1.1B
Gross margin
100%
Net margin
20.3%
CFG's net income is down by 37% year-on-year and by 16% since the previous quarter
The operating income has declined by 36% year-on-year and by 16% since the previous quarter
The company's net margin fell by 30% YoY and by 12% QoQ
Citizens Financial Group's operating margin has decreased by 29% YoY and by 12% 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
10.95
P/B
0.52
P/S
2.17
EV/EBIT
9.71
EV/EBITDA
6.5
EV/Sales
2.45
The EPS has declined by 33% year-on-year and by 14% since the previous quarter
CFG's price to earnings (P/E) is 20% higher than its last 4 quarters average of 9.1 but 10% lower than its 5-year quarterly average of 12.2
The price to book (P/B) is 35% lower than the 5-year quarterly average of 0.8 and 13% lower than the last 4 quarters average of 0.6
Citizens Financial Group's equity has increased by 2.1% QoQ
The price to sales (P/S) is 25% less than the 5-year quarterly average of 2.9 and 6% less than the last 4 quarters average of 2.3
The revenue fell by 10% YoY and by 4.3% QoQ
Efficiency
How efficient is Citizens Financial Group business performance
The company's return on assets fell by 46% YoY and by 25% QoQ
The ROE has contracted by 39% YoY and by 15% from the previous quarter
Citizens Financial Group's return on invested capital has decreased by 39% YoY and by 20% QoQ
The ROS has declined by 31% year-on-year and by 13% since the previous quarter
Dividends
What is CFG's dividend history
DPS
$1.53
Dividend yield
5.57%
Payout ratio
61%
Recent dividends
Financial health
How did Citizens Financial Group financials performed over time
The company's total assets is 14% higher than its total liabilities
The company's debt is 58% lower than its equity
The debt to equity has contracted by 48% from the previous quarter and by 29% YoY
The company's debt fell by 46% QoQ and by 27% YoY
All financial data is based on trailing twelve months (TTM) periods - updated
quarterly, unless otherwise specified.