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Price (delayed)
$42.53
Market cap
$19.07B
P/E Ratio
16.05
Dividend/share
$1.68
EPS
$2.65
Enterprise value
$19.82B
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 14% YoY and by 5% QoQ
CFG's price to earnings (P/E) is 60% higher than its 5-year quarterly average of 10.0 and 46% higher than its last 4 quarters average of 10.9
CFG's net income is down by 44% year-on-year and by 7% since the previous quarter
Key stats
What are the main financial stats of CFG
Market
Valuations
Earnings
Shares outstanding
448.3M
Market cap
$19.07B
Enterprise value
$19.82B
Price to earnings (P/E)
16.05
Price to book (P/B)
0.81
Price to sales (P/S)
2.67
EV/EBIT
12.88
EV/EBITDA
9.75
EV/Sales
2.74
Revenue
$7.23B
EBIT
$1.54B
EBITDA
$2.03B
Free cash flow
$2.95B
Per share
Balance sheet
Liquidity
EPS
$2.65
Free cash flow per share
$6.48
Book value per share
$52.46
Revenue per share
$15.92
TBVPS
$465.96
Total assets
$219.94B
Total liabilities
$196.07B
Debt
$13.08B
Equity
$23.87B
Working capital
N/A
Debt to equity
0.55
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.37
Margins
Efficiency
Dividend
EBITDA margin
28.1%
Gross margin
100%
Net margin
16.9%
Operating margin
23%
Return on assets
0.5%
Return on equity
5.1%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
21.3%
Dividend yield
3.95%
DPS
$1.68
Payout ratio
63.4%
CFG stock price
How has the Citizens Financial Group stock price performed over time
Intraday
0.69%
1 week
2.63%
1 month
3.55%
1 year
81.83%
YTD
28.33%
QTD
3.55%
Financial performance
How have Citizens Financial Group's revenue and profit performed over time
Revenue
$7.23B
Gross profit
$7.23B
Operating income
$1.66B
Net income
$1.22B
Gross margin
100%
Net margin
16.9%
CFG's net income is down by 44% year-on-year and by 7% since the previous quarter
The operating income has declined by 43% year-on-year and by 7% since the previous quarter
The company's net margin fell by 38% YoY and by 4.5% QoQ
Citizens Financial Group's operating margin has decreased by 37% YoY and by 6% 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
16.05
P/B
0.81
P/S
2.67
EV/EBIT
12.88
EV/EBITDA
9.75
EV/Sales
2.74
CFG's price to earnings (P/E) is 60% higher than its 5-year quarterly average of 10.0 and 46% higher than its last 4 quarters average of 10.9
The EPS has declined by 40% year-on-year and by 5% since the previous quarter
The price to book (P/B) is 35% higher than the last 4 quarters average of 0.6 and 16% higher than the 5-year quarterly average of 0.7
The price to sales (P/S) is 27% more than the last 4 quarters average of 2.1 and 11% more than the 5-year quarterly average of 2.4
The revenue fell by 10% YoY
Efficiency
How efficient is Citizens Financial Group business performance
The company's return on assets has shrunk by 50% YoY and by 17% QoQ
Citizens Financial Group's return on invested capital has decreased by 46% YoY and by 13% QoQ
The ROE has contracted by 44% YoY and by 7% from the previous quarter
The ROS has declined by 39% year-on-year and by 6% since the previous quarter
Dividends
What is CFG's dividend history
DPS
$1.68
Dividend yield
3.95%
Payout ratio
63.4%
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 12% higher than its total liabilities
The company's debt is 45% lower than its equity
The company's debt fell by 14% YoY and by 5% QoQ
The debt to equity has contracted by 14% YoY and by 5% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.