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

CFGNYSE

43.78

USD
-0.66
(-1.49%)
Pre Market
10.68P/E
8Forward P/E
0.48P/E to S&P500
21.552BMarket CAP
3.65%Div Yield
Upcoming Earnings
19 Apr
Shares Short
1/13/23
10.7M
Short % of Float
2.42%
Short % of Shares Outs.
2.17%
% Held by Insiders
0.41%
% Held by Institutions
92.14%
Beta
1.34
PEG Ratio
10.35
52w. high/low
56.11/32.66
Avg. Daily Volume
3.68M
Return %
Stock
S&P 500
1 year
(19.18)
(8.58)
3 years
13.95
23.39
5 years
- -
- -
Scale: |
High
Low
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
46.96
27.62
40.92
29.26
41.29
14.12
51.54
34.92
57.00
32.65
44.82
39.19
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
15.99
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
4.02
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
1.96
Dividends per share
- -
- -
- -
- -
- -
- -
0.27
2.12
1.45
0.41
0.49
0.67
1.01
1.52
1.80
1.84
1.66
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
0.45
Book Value per sh.
- -
- -
- -
- -
- -
- -
43.09
34.28
34.61
36.68
37.82
40.37
43.48
49.37
53.09
55.15
50.68
Comm.Shares outs.
- -
- -
- -
- -
- -
560
560
560
557
536
522
502
479
450
427
425
459
Avg. annual P/E ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
11.1
8.8
11.4
8.3
10.7
P/E to S&P500
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.4
0.4
0.3
0.3
0.5
Avg. annual div. yield
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
2.5%
4.3%
6.4%
4.1%
4.2%
Revenue (m)
- -
- -
- -
- -
- -
5,031
4,894
4,690
4,691
4,812
5,253
5,707
6,123
6,485
6,905
6,647
7,334
Operating margin
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation (m)
- -
- -
- -
- -
- -
434
467
404
386
471
523
502
489
633
578
625
620
Net profit (m)
- -
- -
- -
- -
- -
506
643
(3,426)
865
840
1,045
1,652
1,721
1,791
1,057
2,319
1,925
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%
22.4%
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%
26.4%
Working capital (m)
- -
- -
- -
- -
- -
- -
95,181
91,190
95,324
104,895
114,420
117,981
127,266
134,657
150,044
152,860
316
Long-term debt (m)
- -
- -
- -
- -
- -
- -
694
1,405
4,642
9,886
12,790
11,765
14,433
14,047
8,346
6,932
- -
Equity (m)
- -
- -
- -
- -
- -
- -
24,129
19,196
19,268
19,646
19,747
20,270
20,817
22,201
22,673
23,420
23,146
ROIC
- -
- -
- -
- -
- -
- -
0.8%
(2.5)%
0.9%
0.8%
1.0%
1.5%
1.7%
1.8%
0.9%
1.4%
1.1%
Return on capital
- -
- -
- -
- -
- -
- -
1.3%
(2.5)%
1.2%
1.2%
1.4%
1.7%
2.1%
2.3%
1.1%
1.8%
1.4%
Return on equity
- -
- -
- -
- -
- -
- -
2.7%
(17.8)%
4.5%
4.3%
5.3%
8.1%
8.3%
8.1%
4.7%
9.9%
8.3%
Plowback ratio
- -
- -
- -
- -
- -
100.0%
76.7%
134.6%
6.8%
73.7%
75.6%
79.7%
71.8%
61.9%
27.2%
66.2%
60.9%
Div.&Repurch./FCF
- -
- -
- -
- -
- -
- -
11.2%
- -
105.7%
77.5%
57.7%
80.1%
117.8%
142.9%
(14,857.1)%
61.7%
(230.4)%
Capital Structure
4 Nov · 2022 | Q3
All numbers in millions
Total liabilities
$ 201,538
Total assets
$ 224,684
Long-term debt
$ - -
Cash and equiv.
$ 316
Goodwill
$ 8,160
Retained earnings
$ 8,748
Common stock
496
Enterprise Value
$ 21,236
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
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
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
1,969
- -
- -
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
1.23
- -
- -
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
0.42
- -
- -
Company Description
Sector:
Financial Services
Industry:
Banks—Regional
CEO:
Mr. Bruce Van Saun
Full-time employees:
18,889
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.