CFG Citizens Financial Group Inc

Price (delayed)

$34.59

Market cap

$14.77B

P/E Ratio

15.58

Dividend/share

$1.56

EPS

$2.22

Enterprise value

$14.59B

Sector: Financial Services
Industry: Banks - Regional

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 33% YoY
Citizens Financial Group's equity has increased by 2.8% YoY
CFG's price to earnings (P/E) is 62% higher than its last 4 quarters average of 9.6 and 30% higher than its 5-year quarterly average of 12.0
CFG's net income is down by 45% year-on-year and by 13% since the previous quarter

Key stats

What are the main financial stats of CFG
Market
Shares outstanding
427.07M
Market cap
$14.77B
Enterprise value
$14.59B
Valuations
Price to earnings (P/E)
15.58
Price to book (P/B)
0.66
Price to sales (P/S)
2.82
EV/EBIT
12.47
EV/EBITDA
8.19
EV/Sales
2.79
Earnings
Revenue
$5.23B
EBIT
$1.17B
EBITDA
$1.78B
Free cash flow
-$165M
Per share
EPS
$2.22
Free cash flow per share
-$0.39
Book value per share
$52.64
Revenue per share
$12.26
TBVPS
$403.37
Balance sheet
Total assets
$179.23B
Total liabilities
$156.76B
Debt
$9.36B
Equity
$22.47B
Working capital
N/A
Liquidity
Debt to equity
0.42
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.1
Margins
EBITDA margin
34.1%
Gross margin
100%
Net margin
18.2%
Operating margin
24.2%
Efficiency
Return on assets
0.5%
Return on equity
4.3%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
22.4%
Dividend
Dividend yield
4.51%
DPS
$1.56
Payout ratio
70.3%

CFG stock price

How has the Citizens Financial Group stock price performed over time
Intraday
0.67%
1 week
-0.32%
1 month
19.23%
1 year
-8.4%
YTD
-14.82%
QTD
36.83%

Financial performance

How have Citizens Financial Group's revenue and profit performed over time
Revenue
$5.23B
Gross profit
$5.23B
Operating income
$1.27B
Net income
$953M
Gross margin
100%
Net margin
18.2%
CFG's net income is down by 45% year-on-year and by 13% since the previous quarter
The operating income has declined by 44% year-on-year and by 13% since the previous quarter
The company's net margin fell by 36% YoY and by 10% QoQ
Citizens Financial Group's operating margin has decreased by 35% YoY and by 10% 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
15.58
P/B
0.66
P/S
2.82
EV/EBIT
12.47
EV/EBITDA
8.19
EV/Sales
2.79
CFG's price to earnings (P/E) is 62% higher than its last 4 quarters average of 9.6 and 30% higher than its 5-year quarterly average of 12.0
The EPS has declined by 42% year-on-year and by 12% since the previous quarter
The price to book (P/B) is 32% higher than the last 4 quarters average of 0.5 but 6% lower than the 5-year quarterly average of 0.7
Citizens Financial Group's equity has increased by 2.8% YoY
The price to sales (P/S) is 34% more than the last 4 quarters average of 2.1 but 2.8% less than the 5-year quarterly average of 2.9
The revenue fell by 14% YoY and by 3.2% QoQ

Efficiency

How efficient is Citizens Financial Group business performance
The company's return on assets has shrunk by 55% YoY and by 17% QoQ
The ROE has contracted by 47% YoY and by 14% from the previous quarter
Citizens Financial Group's return on invested capital has decreased by 46% YoY and by 13% QoQ
The ROS has declined by 38% year-on-year and by 11% since the previous quarter

Dividends

What is CFG's dividend history
DPS
$1.56
Dividend yield
4.51%
Payout ratio
70.3%
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

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