CFG Citizens Financial Group Inc

Price (delayed)

$36.415

Market cap

$18.04B

P/E Ratio

7.68

Dividend/share

$1.56

EPS

$4.74

Enterprise value

$13.34B

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 29% YoY and by 16% QoQ
CFG's price to earnings (P/E) is 29% lower than its 5-year quarterly average of 10.6 and 22% lower than its last 4 quarters average of 9.6
CFG's net income is up by 32% year-on-year but it is down by 9% since the previous quarter
The EPS has increased by 32% year-on-year but it has declined by 8% since the previous quarter
Citizens Financial Group's equity has decreased by 6% QoQ and by 2.6% YoY

Key stats

What are the main financial stats of CFG
Market
Shares outstanding
495.45M
Market cap
$18.04B
Enterprise value
$13.34B
Valuations
Price to earnings (P/E)
7.68
Price to book (P/B)
0.7
Price to sales (P/S)
2.23
EV/EBIT
5.1
EV/EBITDA
4.22
EV/Sales
1.93
Earnings
Revenue
$6.9B
EBIT
$2.62B
EBITDA
$3.16B
Free cash flow
$4.35B
Per share
EPS
$4.74
Free cash flow per share
$10.31
Book value per share
$52.29
Revenue per share
$16.34
TBVPS
$437.65
Balance sheet
Total assets
$192.1B
Total liabilities
$170.02B
Debt
$5.92B
Equity
$22.07B
Working capital
N/A
Liquidity
Debt to equity
0.27
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.49
Margins
EBITDA margin
45.8%
Gross margin
100%
Net margin
29.2%
Operating margin
39.6%
Efficiency
Return on assets
1.1%
Return on equity
8.7%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
37.9%
Dividend
Dividend yield
4.28%
DPS
$1.56
Payout ratio
32.9%

CFG stock price

How has the Citizens Financial Group stock price performed over time
Intraday
2.4%
1 week
2.03%
1 month
-11.31%
1 year
-18%
YTD
-22.93%
QTD
2.03%

Financial performance

How have Citizens Financial Group's revenue and profit performed over time
Revenue
$6.9B
Gross profit
$6.9B
Operating income
$2.73B
Net income
$2.01B
Gross margin
100%
Net margin
29.2%
The operating income is up by 34% year-on-year but it has declined by 8% since the previous quarter
CFG's net income is up by 32% year-on-year but it is down by 9% since the previous quarter
Citizens Financial Group's operating margin has increased by 18% YoY but it has decreased by 6% from the previous quarter
The company's net margin rose by 15% YoY but it fell by 7% QoQ

Growth

What is Citizens Financial Group's growth rate over time

Valuation

What is Citizens Financial Group stock price valuation
P/E
7.68
P/B
0.7
P/S
2.23
EV/EBIT
5.1
EV/EBITDA
4.22
EV/Sales
1.93
The EPS has increased by 32% year-on-year but it has declined by 8% since the previous quarter
CFG's price to earnings (P/E) is 29% lower than its 5-year quarterly average of 10.6 and 22% lower than its last 4 quarters average of 9.6
The price to book (P/B) is 24% lower than the last 4 quarters average of 0.9 and 15% lower than the 5-year quarterly average of 0.8
Citizens Financial Group's equity has decreased by 6% QoQ and by 2.6% YoY
The price to sales (P/S) is 25% less than the last 4 quarters average of 2.9 and 22% less than the 5-year quarterly average of 2.8
The revenue rose by 14% YoY but it fell by 2.2% QoQ

Efficiency

How efficient is Citizens Financial Group business performance
The company's return on assets rose by 38% YoY but it fell by 8% QoQ
Citizens Financial Group's return on invested capital has increased by 36% YoY but it has decreased by 6% QoQ
The ROE has grown by 28% YoY but it has contracted by 8% from the previous quarter
The ROS has increased by 19% year-on-year but it has declined by 7% since the previous quarter

Dividends

What is CFG's dividend history
DPS
$1.56
Dividend yield
4.28%
Payout ratio
32.9%
Recent dividends

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 increased by 3.3% YoY and by 3.1% from the previous quarter
The company's total assets rose by 2.6% YoY
The company's debt is 73% lower than its equity
The company's debt fell by 29% YoY and by 16% QoQ
The debt to equity has contracted by 27% YoY and by 10% from the previous quarter

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