Citizens Financial Group, Inc.
CFG
NYSE27.50
Citizens Financial Group, Inc.
NYSE:CFG
RECENT
PRICE
27.50
P/E
RATIO
7.88
(PEG:-0.33)
P/E RATIO
RELATIVE
TO S&P
0.37
DIV
YLD
4.23%
High:
Low:
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Legends
Stock price
1.34 Beta (1.0 Market)
0
0
0
0
0
0
0
0
0
% total return 06/23:
Stock
S&P
1y.
0
0
3y.
0
0
5y.
0
0
0
Percent shares traded:
0
0
0
- -
- -
- -
- -
- -
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Fiscal year
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
8.98
0.90
3.77
- -
8.74
1.15
2.40
0.27
8.38
(6.12)
4.07
2.12
8.43
1.55
1.94
1.45
8.98
1.57
1.74
0.41
10.06
2.00
2.27
0.49
11.36
3.29
2.87
0.67
12.79
3.59
2.68
1.01
14.42
3.98
2.96
1.52
16.17
2.48
(0.02)
1.80
15.65
5.46
5.06
1.84
16.85
4.36
(0.26)
1.64
Revenue per share
Earnings per share
Free Cash Flow per sh
Dividends per share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.66
- -
0.66
43.09
0.66
34.28
0.56
34.61
0.56
36.68
0.58
37.82
0.88
40.37
1.01
43.48
0.81
49.37
0.28
53.09
0.29
55.15
0.26
49.77
CAPEX per share
Book Value per share
- -
- -
- -
- -
- -
560
560
560
557
536
522
502
479
450
427
425
476
Comm.Shares outs.(m)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
15.1
0.83
6.17%
16.1
0.80
1.64%
12.0
0.54
2.03%
11.1
0.47
1.83%
11.2
0.45
2.51%
8.8
0.37
4.31%
11.4
0.30
6.40%
8.3
0.27
4.09%
9.6
0.45
3.91%
Avg. annual P/E ratio
P/E relative to S&P500
Avg. annual div. yield
Capital Structure (31/12/22 | Q4)
Total liabilities
$203,043 m.
Total assets
$226,733 m.
Long-term debt
$15,887 m.
Cash and equiv.
$10,850 m.
Goodwill $8,173 m.
Retained earnings $9,159 m.
Common stock 493 m. shares
Market Capitalisation
$15,053 m. (as of 5/6/23)
5,031
- -
4,894
- -
4,690
- -
4,691
- -
4,812
- -
5,253
- -
5,707
- -
6,123
- -
6,485
- -
6,905
- -
6,647
- -
8,021
- -
Revenue (m)
Operating margin
434
506
467
643
404
(3,426)
386
865
471
840
523
1,045
502
1,652
489
1,721
633
1,791
578
1,057
625
2,319
565
2,073
Depreciation (m)
Net profit (m)
35.0%
10.1%
37.2%
13.1%
1.2%
(73.0)%
31.8%
18.4%
33.5%
17.5%
31.9%
19.9%
13.6%
28.9%
21.2%
28.1%
20.4%
27.6%
18.6%
15.3%
22.1%
34.9%
21.9%
25.8%
Income tax rate
Net profit margin
- -
- -
- -
95,181
694
24,129
91,190
1,405
19,196
95,324
4,642
19,268
104,895
9,886
19,646
114,420
12,790
19,747
117,981
11,765
20,270
127,266
14,433
20,817
134,657
14,047
22,201
150,044
8,346
22,673
152,860
6,932
23,420
316
15,887
23,690
Working capital (m)
Long-term debt (m)
Equity (m)
- -
- -
- -
0.8%
1.3%
2.7%
(2.5)%
(2.5)%
(17.8)%
0.9%
1.2%
4.5%
0.8%
1.2%
4.3%
1.0%
1.4%
5.3%
1.5%
1.7%
8.1%
1.7%
2.1%
8.3%
1.8%
2.3%
8.1%
0.9%
1.1%
4.7%
1.4%
1.8%
9.9%
1.3%
1.6%
8.8%
ROIC
Return on capital
Return on equity
Working Capital
2020
2021
2022
Cash assets
35,432
31,867
33,243
Receivables
1,971
1,596
1,479
Inventory
- -
- -
- -
Other
112,653
116,436
(36,020)
Current assets
150,056
152,933
316
Acc. Payable
- -
- -
- -
Debt due
12
73
3
Other
- -
- -
(3)
Current liab.
12
73
- -
- -
- -
100.0%
- -
76.7%
11.2%
134.6%
- -
6.8%
105.7%
73.7%
77.5%
75.6%
57.7%
79.7%
80.1%
71.8%
117.8%
61.9%
142.9%
27.2%
(14,857.1)%
66.2%
61.7%
Plowback ratio
Div.&Repurch. to FCF
Citizens Financial Group, Inc. (US) started trading on September 3, 2014 (cik: 0000759944), operates in the Financial Services sector (Banks—Regional industry), has 19,235 full-time employees, and is led by Mr. Bruce Winfield Van Saun. Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.
Annual rates
(avg rate of change)
Past
5 y.
Past
10 y.
Revenues
7.33%
6.34%
Cash flow
-7757.78%
-3451.07%
Earnings
17.97%
3.38%
Dividends
13.67%
4.63%
Book value
3.31%
2.38%
Insider trading
Type
Shares
Date
Coughlin Brendan
InKind
4,791
03/02/23
Griggs Malcolm D
InKind
9,117
03/02/23
Johnson Elizabeth S.
InKind
4,658
03/02/23
Lamonica Susan
InKind
10,034
03/02/23
Mccree Donald H Iii
InKind
28,651
03/02/23
Fiscal Year Ends
Quarterly Revenue (m)
Full fiscal year
I
II
III
IV
2020
1,657
1,750
1,791
1,707
6,905
2021
1,659
1,609
1,659
1,721
6,648
2022
1,645
1,999
1,969
2,200
7,813
Fiscal Year Ends
Earnings per share
Full fiscal year
I
II
III
IV
2020
0.08
0.59
0.74
1.07
2.48
2021
1.44
1.53
1.25
1.25
5.46
2022
0.88
0.76
1.28
1.37
4.30
Fiscal Year Ends
Quarterly dividends paid
Full fiscal year
I
II
III
IV
2020
0.45
0.44
0.46
0.45
1.80
2021
0.47
0.45
0.47
0.45
1.84
2022
0.35
0.41
0.44
0.44
1.64
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