A Business at a Glance
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Citizens Financial Group, Inc. is headquartered in Providence, Rhode Island. We offer a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. Our products and services are offered through more than 1,000 branches in 14 states and the District of Columbia and 75 retail and commercial non-branch offices, though certain lines of business serve national markets. At December 31, 2025, we had total assets of $226.4 billion, total deposits of $183.3 billion, and total stockholders’ equity of $26.3 billion. In addition, we had total client assets of $61.9 billion, including assets under management of $35.9 billion, representing assets for which continuous and regular supervisory or management services are provided, and transactional assets of $26.0 billion, representing assets for which execution, custody, recordkeeping, reporting, and other services are provided.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 12.1B | 12.1B | 12.4B | 12.2B | 9.1B | 7.0B |
| Net Income | 1.7B | 1.7B | 1.4B | 1.5B | 2.0B | 2.2B |
| EPS | $3.86 | $3.86 | $3.03 | $3.13 | $4.10 | $5.16 |
| Free Cash Flow | 2.0B | 2.0B | 1.9B | 2.8B | 4.0B | 2.2B |
| ROIC | 7.2% | 4.6% | 3.7% | 3.9% | 5.0% | 7.3% |
| Gross Margin | 68.5% | 68.5% | 63.5% | 68.6% | 83.2% | 89.3% |
| Debt/Equity | 0.43 | 0.43 | 0.51 | 0.57 | 0.67 | 0.30 |
| Dividends/Share | $1.73 | $1.72 | $1.68 | $1.68 | $1.62 | $1.56 |
| Operating Income | 2.3B | 2.3B | 1.9B | 2.0B | 2.7B | 3.0B |
| Operating Margin | 19.3% | 19.3% | 15.3% | 16.7% | 29.3% | 42.6% |
| ROE | 6.4% | 6.7% | 5.7% | 6.1% | 8.3% | 9.4% |
| Shares Outstanding | 437M | 437M | 453M | 476M | 478M | 428M |
CITIZENS FINANCIAL GROUP INC/RI passes 5 of 9 quality checks, suggesting mixed fundamentals.
CITIZENS FINANCIAL GROUP INC/RI trades at 16.8x trailing earnings, compared to its 15-year median P/E of 9.6x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 13.5x vs a median of 8.6x. The company's 5-year average ROIC is 4.9% with a gross margin of 74.6%. Total shareholder yield (dividends + buybacks) is 4.8%. At current prices, the estimated annualized return to fair value is +20.4%.
CITIZENS FINANCIAL GROUP INC/RI (CFG) has a current P/E ratio of 16.8, compared to its historical median P/E of 9.6. The stock is currently considered Expensive based on its historical valuation range.
CITIZENS FINANCIAL GROUP INC/RI (CFG) has a 5-year average return on invested capital (ROIC) of 4.9%. This is below average and may indicate limited pricing power.
CITIZENS FINANCIAL GROUP INC/RI (CFG) has a market capitalization of $28.3B. It is classified as a large-cap stock.
Yes, CITIZENS FINANCIAL GROUP INC/RI (CFG) pays a dividend with a trailing twelve-month yield of 2.67%. The company also returns capital through share buybacks, with a buyback yield of 2.12%.
Based on historical P/E analysis, CITIZENS FINANCIAL GROUP INC/RI (CFG) appears expensive. The current P/E of 16.8 is 76% above its historical median of 9.6. The estimated fair value CAGR (P/E method) is 0.4%.
CITIZENS FINANCIAL GROUP INC/RI (CFG) operates in the State Commercial Banks industry, within the Financials sector.
CITIZENS FINANCIAL GROUP INC/RI (CFG) reported annual revenue of $12.1 billion in its most recent fiscal year, based on SEC EDGAR filings.
CITIZENS FINANCIAL GROUP INC/RI (CFG) has a net profit margin of 14.0%. This is a healthy margin.
CITIZENS FINANCIAL GROUP INC/RI (CFG) generated $2.0 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CITIZENS FINANCIAL GROUP INC/RI (CFG) has a debt-to-equity ratio of 0.43. This indicates a conservatively financed balance sheet.
CITIZENS FINANCIAL GROUP INC/RI (CFG) reported earnings per share (EPS) of $3.86 in its most recent fiscal year.
CITIZENS FINANCIAL GROUP INC/RI (CFG) has a return on equity (ROE) of 6.7%. This indicates moderate shareholder returns.
CITIZENS FINANCIAL GROUP INC/RI (CFG) has a 5-year average gross margin of 74.6%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 14 years of financial data for CITIZENS FINANCIAL GROUP INC/RI (CFG), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CITIZENS FINANCIAL GROUP INC/RI (CFG) has a book value per share of $60.18, based on its most recent annual SEC filing.
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