CFG Citizens Financial Group Inc

Price (delayed)

$43.44

Market cap

$18.47B

P/E Ratio

19.57

Dividend/share

$1.56

EPS

$2.22

Enterprise value

$14.02B

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 40% YoY and by 8% QoQ
Citizens Financial Group's equity has increased by 2.1% YoY
CFG's price to earnings (P/E) is 78% higher than its last 4 quarters average of 11.0 and 63% higher than its 5-year quarterly average of 12.0
CFG's net income is down by 45% year-on-year

Key stats

What are the main financial stats of CFG
Market
Shares outstanding
425.11M
Market cap
$18.47B
Enterprise value
$14.02B
Valuations
Price to earnings (P/E)
19.57
Price to book (P/B)
0.82
Price to sales (P/S)
3.51
EV/EBIT
11.77
EV/EBITDA
7.92
EV/Sales
2.65
Earnings
Revenue
$5.29B
EBIT
$1.19B
EBITDA
$1.77B
Free cash flow
-$7M
Per share
EPS
$2.22
Free cash flow per share
-$0.02
Book value per share
$53.09
Revenue per share
$12.38
TBVPS
$412.82
Balance sheet
Total assets
$183.35B
Total liabilities
$160.68B
Debt
$8.59B
Equity
$22.67B
Working capital
N/A
Liquidity
Debt to equity
0.38
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.52
Margins
EBITDA margin
33.4%
Gross margin
100%
Net margin
18%
Operating margin
24.5%
Efficiency
Return on assets
0.5%
Return on equity
4.2%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
22.5%
Dividend
Dividend yield
3.59%
DPS
$1.56
Payout ratio
70.3%

CFG stock price

How has the Citizens Financial Group stock price performed over time
Intraday
-1.72%
1 week
2.19%
1 month
17.25%
1 year
28.94%
YTD
21.48%
QTD
21.48%

Financial performance

How have Citizens Financial Group's revenue and profit performed over time
Revenue
$5.29B
Gross profit
$5.29B
Operating income
$1.3B
Net income
$950M
Gross margin
100%
Net margin
18%
CFG's net income is down by 45% year-on-year
The operating income has declined by 42% year-on-year but it is up by 2.4% since the previous quarter
The company's net margin fell by 36% YoY
Citizens Financial Group's operating margin has decreased by 34% YoY

Growth

What is Citizens Financial Group's growth rate over time

Valuation

What is Citizens Financial Group stock price valuation
P/E
19.57
P/B
0.82
P/S
3.51
EV/EBIT
11.77
EV/EBITDA
7.92
EV/Sales
2.65
CFG's price to earnings (P/E) is 78% higher than its last 4 quarters average of 11.0 and 63% higher than its 5-year quarterly average of 12.0
The EPS has declined by 42% year-on-year
The price to book (P/B) is 64% higher than the last 4 quarters average of 0.5 and 17% higher than the 5-year quarterly average of 0.7
Citizens Financial Group's equity has increased by 2.1% YoY
The price to sales (P/S) is 67% more than the last 4 quarters average of 2.1 and 21% more than the 5-year quarterly average of 2.9
The revenue fell by 13% YoY

Efficiency

How efficient is Citizens Financial Group business performance
The company's return on assets has shrunk by 55% YoY
The ROE has contracted by 46% YoY and by 2.3% from the previous quarter
Citizens Financial Group's return on invested capital has decreased by 46% YoY
The ROS has declined by 37% year-on-year

Dividends

What is CFG's dividend history
DPS
$1.56
Dividend yield
3.59%
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
Citizens Financial Group's total liabilities has increased by 12% YoY and by 2.5% from the previous quarter
The company's total assets rose by 11% YoY and by 2.3% QoQ
The company's debt is 62% lower than its equity
The debt to equity has contracted by 42% YoY and by 10% from the previous quarter
The company's debt fell by 40% YoY and by 8% QoQ

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