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CFG Citizens Financial Group Inc

Price (delayed)

$40.17

Market cap

$17.42B

P/E Ratio

12.63

Dividend/share

$1.68

EPS

$3.18

Enterprise value

$17.51B

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 EPS has increased by 14% year-on-year and by 4.3% since the previous quarter
The company's debt fell by 11% YoY
CFG's price to earnings (P/E) is 17% higher than its 5-year quarterly average of 10.8 but 11% lower than its last 4 quarters average of 14.2
CFG's gross profit is down by 3.4% year-on-year
The revenue fell by 3.4% YoY

Key stats

What are the main financial stats of CFG
Market
Shares outstanding
433.65M
Market cap
$17.42B
Enterprise value
$17.51B
Valuations
Price to earnings (P/E)
12.63
Price to book (P/B)
0.71
Price to sales (P/S)
2.47
EV/EBIT
9.8
EV/EBITDA
7.6
EV/Sales
2.46
Earnings
Revenue
$7.12B
Gross profit
$7.12B
Operating income
$1.93B
Net income
$1.41B
EBIT
$1.79B
EBITDA
$2.31B
Free cash flow
$1.11B
Per share
EPS
$3.18
EPS diluted
$3.15
Free cash flow per share
$2.53
Book value per share
$56.88
Revenue per share
$16.23
TBVPS
$483.26
Balance sheet
Total assets
$220.15B
Total liabilities
$195.28B
Debt
$12.31B
Equity
$24.87B
Working capital
N/A
Liquidity
Debt to equity
0.5
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.04
Margins
EBITDA margin
32.4%
Gross margin
100%
Net margin
19.8%
Operating margin
27.1%
Efficiency
Return on assets
0.6%
Return on equity
5.8%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
25.1%
Dividend
Dividend yield
4.18%
DPS
$1.68
Payout ratio
52.8%

CFG stock price

How has the Citizens Financial Group stock price performed over time
Intraday
-1.62%
1 week
1.11%
1 month
3.93%
1 year
17.56%
YTD
-8.2%
QTD
-1.95%

Financial performance

How have Citizens Financial Group's revenue and profit performed over time
Revenue
$7.12B
Gross profit
$7.12B
Operating income
$1.93B
Net income
$1.41B
Gross margin
100%
Net margin
19.8%
The company's net margin rose by 12% YoY and by 2.6% QoQ
Citizens Financial Group's operating margin has increased by 11% YoY and by 2.3% from the previous quarter
CFG's net income is up by 8% year-on-year and by 2.6% since the previous quarter
The operating income is up by 7% year-on-year and by 2% since the previous quarter

Price vs fundamentals

How does CFG's price correlate with its fundamentals

Growth

What is Citizens Financial Group's growth rate over time

Valuation

What is Citizens Financial Group stock price valuation
P/E
12.63
P/B
0.71
P/S
2.47
EV/EBIT
9.8
EV/EBITDA
7.6
EV/Sales
2.46
CFG's price to earnings (P/E) is 17% higher than its 5-year quarterly average of 10.8 but 11% lower than its last 4 quarters average of 14.2
The EPS has increased by 14% year-on-year and by 4.3% since the previous quarter
Citizens Financial Group's equity has increased by 4.7% YoY and by 2.5% QoQ
The price to sales (P/S) is 2.9% more than the 5-year quarterly average of 2.4
The revenue fell by 3.4% YoY

Efficiency

How efficient is Citizens Financial Group business performance
The ROS has increased by 11% year-on-year and by 2% since the previous quarter
The ROE has grown by 5% YoY

Dividends

What is CFG's dividend history
DPS
$1.68
Dividend yield
4.18%
Payout ratio
52.8%
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
The company's debt is 50% lower than its equity
The debt to equity has contracted by 14% YoY
The company's debt fell by 11% YoY

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