CFG Citizens Financial Group Inc
Price (delayed)
$44.88
Market cap
$19.62B
P/E Ratio
14.71
Dividend/share
$1.68
EPS
$3.05
Enterprise value
$20.78B
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 11% YoY and by 11% QoQ
The EPS has increased by 19% since the previous quarter but it has declined by 2.9% year-on-year
CFG's net income is up by 18% since the previous quarter but it is down by 8% year-on-year
CFG's price to earnings (P/E) is 41% higher than its 5-year quarterly average of 10.4 and 3.6% higher than its last 4 quarters average of 14.2
CFG's gross profit is down by 6% year-on-year
Key stats
What are the main financial stats of CFG
Market
Valuations
Earnings
Shares outstanding
437.14M
Market cap
$19.62B
Enterprise value
$20.78B
Price to earnings (P/E)
14.71
Price to book (P/B)
0.82
Price to sales (P/S)
2.84
EV/EBIT
11.87
EV/EBITDA
9.24
EV/Sales
2.92
Revenue
$7.12B
Gross profit
$7.12B
Operating income
$1.89B
Net income
$1.37B
EBIT
$1.75B
EBITDA
$2.25B
Free cash flow
$1.88B
Per share
Balance sheet
Liquidity
EPS
$3.05
EPS diluted
$3.03
Free cash flow per share
$4.17
Book value per share
$55.04
Revenue per share
$15.8
TBVPS
$464.16
Total assets
$217.52B
Total liabilities
$193.27B
Debt
$12.4B
Equity
$24.25B
Working capital
N/A
Debt to equity
0.51
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.52
Margins
Efficiency
Dividend
EBITDA margin
31.6%
Gross margin
100%
Net margin
19.3%
Operating margin
26.5%
Return on assets
0.6%
Return on equity
5.7%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
24.6%
Dividend yield
3.74%
DPS
$1.68
Payout ratio
55.1%
CFG stock price
How has the Citizens Financial Group stock price performed over time
Intraday
-2.82%
1 week
-3.17%
1 month
-7.1%
1 year
43.89%
YTD
2.56%
QTD
2.56%
Financial performance
How have Citizens Financial Group's revenue and profit performed over time
Revenue
$7.12B
Gross profit
$7.12B
Operating income
$1.89B
Net income
$1.37B
Gross margin
100%
Net margin
19.3%
Citizens Financial Group's operating margin has increased by 19% from the previous quarter
The operating income is up by 19% since the previous quarter but it has declined by 7% year-on-year
The company's net margin rose by 18% QoQ but it fell by 2.5% YoY
CFG's net income is up by 18% since the previous quarter but it is down by 8% year-on-year
Growth
What is Citizens Financial Group's growth rate over time
Valuation
What is Citizens Financial Group stock price valuation
P/E
14.71
P/B
0.82
P/S
2.84
EV/EBIT
11.87
EV/EBITDA
9.24
EV/Sales
2.92
CFG's price to earnings (P/E) is 41% higher than its 5-year quarterly average of 10.4 and 3.6% higher than its last 4 quarters average of 14.2
The EPS has increased by 19% since the previous quarter but it has declined by 2.9% year-on-year
The price to book (P/B) is 17% higher than the 5-year quarterly average of 0.7 and 17% higher than the last 4 quarters average of 0.7
Citizens Financial Group's equity has decreased by 2.7% QoQ
The price to sales (P/S) is 18% more than the 5-year quarterly average of 2.4 and 14% more than the last 4 quarters average of 2.5
The revenue fell by 6% YoY
Efficiency
How efficient is Citizens Financial Group business performance
The ROS has increased by 21% since the previous quarter but it has declined by 3.1% year-on-year
The company's return on assets rose by 20% QoQ but it fell by 14% YoY
The ROE has grown by 19% from the previous quarter but it has contracted by 10% YoY
Citizens Financial Group's return on invested capital has increased by 14% QoQ but it has decreased by 11% YoY
Dividends
What is CFG's dividend history
DPS
$1.68
Dividend yield
3.74%
Payout ratio
55.1%
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 2.2% YoY
The company's total assets fell by 2% YoY
The company's debt is 49% lower than its equity
The company's debt fell by 11% YoY and by 11% QoQ
The debt to equity has contracted by 11% YoY and by 9% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.