US stock · Financial Services sector · Banks—Regional
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Citizens Financial Group, Inc.

CFGNYSE

32.71

USD
-0.95
(-2.83%)
Market Open
8.56P/E
6Forward P/E
0.43P/E to S&P500
16.211BMarket CAP
4.63%Div Yield
Upcoming Earnings
19 Oct
Shares Short
8/31/22
5.46M
Short % of Float
1.23%
Short % of Shares Outs.
1.10%
% Held by Insiders
0.41%
% Held by Institutions
91.61%
Beta
1.37
PEG Ratio
4.48
52w. high/low
57.00/32.66
Avg. Daily Volume
3.93M
Return %
Stock
S&P 500
1 year
(27.86)
(17.80)
3 years
(5.34)
23.21
5 years
(9.95)
45.98
Scale: |
High
Low
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
25.60
21.35
28.71
21.14
36.56
18.04
42.93
31.51
48.23
27.62
40.92
29.26
41.29
14.12
51.54
34.92
57.00
33.52
Currency: USD
- -
- -
- -
- -
- -
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
TTM
Revenue per share
- -
- -
- -
- -
- -
8.98
8.74
8.38
8.43
8.98
10.06
11.36
12.79
14.42
16.17
15.65
15.92
Earnings per share
- -
- -
- -
- -
- -
0.90
1.15
(6.12)
1.55
1.57
2.00
3.29
3.59
3.98
2.48
5.46
3.97
FCF per share
- -
- -
- -
- -
- -
3.77
2.40
4.07
1.94
1.74
2.27
2.87
2.68
2.96
(0.02)
5.06
5.07
Dividends per share
- -
- -
- -
- -
- -
- -
0.27
2.12
1.45
0.41
0.49
0.67
1.01
1.52
1.80
1.84
1.71
CAPEX per share
- -
- -
- -
- -
- -
0.66
0.66
0.66
0.56
0.56
0.58
0.88
1.01
0.81
0.28
0.29
0.34
Book Value per sh.
- -
- -
- -
- -
- -
- -
43.09
34.28
34.61
36.68
37.82
40.37
43.48
49.37
53.09
55.15
52.84
Comm.Shares outs.
- -
- -
- -
- -
- -
560
560
560
557
536
522
502
479
450
427
425
441
Avg. annual P/E ratio
- -
- -
- -
- -
- -
- -
- -
- -
15.1
16.1
12.0
11.1
11.2
8.8
11.4
8.3
8.6
P/E to S&P500
- -
- -
- -
- -
- -
- -
- -
- -
0.8
0.8
0.5
0.5
0.4
0.4
0.3
0.3
0.4
Avg. annual div. yield
- -
- -
- -
- -
- -
- -
- -
- -
6.2%
1.6%
2.0%
1.8%
2.5%
4.3%
6.4%
4.1%
3.9%
Revenue (m)
- -
- -
- -
- -
- -
5,031
4,894
4,690
4,691
4,812
5,253
5,707
6,123
6,485
6,905
6,647
7,024
Operating margin
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation (m)
- -
- -
- -
- -
- -
434
467
404
386
471
523
502
489
633
578
625
635
Net profit (m)
- -
- -
- -
- -
- -
506
643
(3,426)
865
840
1,045
1,652
1,721
1,791
1,057
2,319
1,844
Income tax rate
- -
- -
- -
- -
- -
35.0%
37.2%
1.2%
31.8%
33.5%
31.9%
13.6%
21.2%
20.4%
18.6%
22.1%
22.5%
Net profit margin
- -
- -
- -
- -
- -
10.1%
13.1%
(73.0)%
18.4%
17.5%
19.9%
28.9%
28.1%
27.6%
15.3%
34.9%
26.6%
Working capital (m)
- -
- -
- -
- -
- -
- -
95,181
91,190
95,324
104,895
114,420
117,981
127,266
134,657
150,044
152,860
(3,447)
Long-term debt (m)
- -
- -
- -
- -
- -
- -
694
1,405
4,642
9,886
12,790
11,765
14,433
14,047
8,346
6,932
14,440
Equity (m)
- -
- -
- -
- -
- -
- -
24,129
19,196
19,268
19,646
19,747
20,270
20,817
22,201
22,673
23,420
24,328
ROIC
- -
- -
- -
- -
- -
- -
0.8%
(2.5)%
0.9%
0.8%
1.0%
1.5%
1.7%
1.8%
0.9%
1.4%
0.9%
Return on capital
- -
- -
- -
- -
- -
- -
1.3%
(2.5)%
1.2%
1.2%
1.4%
1.7%
2.1%
2.3%
1.1%
1.8%
1.2%
Return on equity
- -
- -
- -
- -
- -
- -
2.7%
(17.8)%
4.5%
4.3%
5.3%
8.1%
8.3%
8.1%
4.7%
9.9%
7.6%
Plowback ratio
- -
- -
- -
- -
- -
100.0%
76.7%
134.6%
6.8%
73.7%
75.6%
79.7%
71.8%
61.9%
27.2%
66.2%
59.2%
Div.&Repurch./FCF
- -
- -
- -
- -
- -
- -
11.2%
- -
105.7%
77.5%
57.7%
80.1%
117.8%
142.9%
(14,857.1)%
61.7%
(81.8)%
Capital Structure
3 Aug · 2022 | Q2
All numbers in millions
Total liabilities
$ 202,384
Total assets
$ 226,712
Long-term debt
$ 14,440
Cash and equiv.
$ 6,983
Goodwill
$ 8,081
Retained earnings
$ 8,346
Common stock
491
Enterprise Value
$ 23,668
Working Capital
Currency: USD, in millions
2019
2020
2021
Cash & Investments
23,937
35,432
34,901
Receivables
2,518
1,971
1,596
Inventory
- -
- -
- -
Other
108,211
122,009
122,227
Current assets
134,666
150,056
152,933
Acc. Payable
- -
- -
- -
Debt due
9
12
73
Other
- -
- -
- -
Current liabilities
9
12
73
Annual growth rates
(avg. rate of change)
1 year
5 years
10 years
Revenue
(3.74)%
3.99%
3.58%
Cash flow
(30,828.57)%
(7,734.11)%
(3,431.54)%
Earnings
119.39%
21.66%
(65.76)%
Dividends
1.69%
24.89%
81.35%
Book value
3.29%
3.69%
(0.02)%
Insider Trading
Type
Shares
Date
Zuraitis Marita
Award
228
08/16/22
Watson Wendy A.
Award
228
08/16/22
Alexander Lee
Award
77
08/16/22
Cumming Christine M
Award
228
08/16/22
Cummings Kevin
Award
37
08/16/22
Quarterly Revenue
Currency: USD, in millions
Year
1Q
2Q
3Q
4Q
Total
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
- -
- -
- -
Earnings per share
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
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
- -
- -
- -
Quarterly dividends paid
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
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
- -
- -
- -
Company Description
Sector:
Financial Services
Industry:
Banks—Regional
CEO:
Mr. Bruce Van Saun
Full-time employees:
19,583
City:
Providence
Address:
1 Citizens Plz Fl 3
IPO:
Sep 24, 2014
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.