Citizens Financial Group, Inc.
CFG
NYSE43.29
Citizens Financial Group, Inc.
NYSE:CFG
RECENT
PRICE
43.29
P/E
RATIO
10.56
(PEG:0.07)
P/E RATIO
RELATIVE
TO S&P
0.53
DIV
YLD
4.17%
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 01/23:
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
TTM
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
15.99
4.02
1.96
1.66
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
0.45
50.68
CAPEX per share
Book Value per share
- -
- -
- -
- -
- -
560
560
560
557
536
522
502
479
450
427
425
459
Comm.Shares outs.(m)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
15.1
0.8
6.2%
16.1
0.8
1.6%
12.0
0.5
2.0%
11.1
0.5
1.8%
11.2
0.4
2.5%
8.8
0.4
4.3%
11.4
0.3
6.4%
8.3
0.3
4.1%
10.6
0.5
4.2%
Avg. annual P/E ratio
P/E relative to S&P500
Avg. annual div. yield
Capital Structure (30/9/22 | Q3)
Total liabilities
$201,538 m.
Total assets
$224,684 m.
Long-term debt
- -
Cash and equiv.
$316 m.
Goodwill $8,160 m.
Retained earnings $8,748 m.
Common stock 496 m. shares
Market Capitalisation
$21,311 m. (as of 29/1/23)
5,031
- -
4,894
- -
4,690
- -
4,691
- -
4,812
- -
5,253
- -
5,707
- -
6,123
- -
6,485
- -
6,905
- -
6,647
- -
7,334
- -
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
620
1,925
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%
22.4%
26.4%
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
- -
23,146
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%
1.1%
1.4%
8.3%
ROIC
Return on capital
Return on equity
Working Capital
2019
2020
2021
Cash assets
23,937
33,293
29,728
Receivables
2,518
1,971
1,596
Inventory
- -
- -
- -
Other
108,211
112,653
116,436
Current assets
134,666
150,056
152,933
Acc. Payable
- -
- -
- -
Debt due
9
12
73
Other
- -
- -
- -
Current liab.
9
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%
60.9%
(230.4)%
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 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
3.99%
3.58%
Cash flow
-7734.11%
-3431.54%
Earnings
21.66%
-65.76%
Dividends
24.89%
81.35%
Book value
3.69%
-0.02%
Insider trading
Type
Shares
Date
Coughlin Brendan
Gift
121
11/23/22
Griggs Malcolm D
Gift
1,900
11/17/22
Zuraitis Marita
Award
233
11/16/22
Subramaniam Shivan S.
Award
233
11/16/22
Swift Christopher
Award
78
11/16/22
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
- -
- -
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
0.99
0.74
1.23
- -
- -
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
0.39
0.40
0.42
- -
- -
07/28/2021
Citizens Financial to Buy Investors Bancorp in $3.5 Billion Deal
The Wall Street Journal - Read more...
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