Citizens Financial Group, Inc. (CFG) · 12 Years of Financial statements

Income Statement

Revenue

5,031

4,894

4,690

4,691

4,812

5,253

5,707

6,123

6,485

6,905

6,647

8,021

COGS

- -

Gross Profit

- -

8,021

Gross Profit Ratio

- -

100.00%

Operating Expenses

- -

585

R&D Expenses

- -

Selling, G&A Exp.

1,842

1,927

1,813

1,859

1,852

1,927

2,003

2,113

2,200

2,289

2,243

2,549

General and Admin. Exp.

1,740

1,841

1,737

1,773

1,751

1,829

1,898

1,984

2,088

2,189

2,132

2,549

Selling and Marketing Exp.

102

86

76

86

101

98

105

129

112

100

111

- -

Other Expenses

(370)

(271)

(256)

(255)

(225)

(246)

(251)

(215)

(302)

- -

(1,964)

COGS and Expenses

- -

Interest Income

4,204

3,846

3,501

3,664

3,854

4,266

4,920

5,758

6,189

5,357

4,851

7,060

Interest Expense

884

619

443

363

452

508

747

1,226

1,575

771

339

1,048

Depreciation and Amortization

434

467

404

386

471

523

502

489

633

578

625

565

EBITDA

2,096

2,110

(2,621)

2,017

2,186

2,565

3,161

3,898

4,459

2,647

3,941

4,268

EBITDA ratio

41.66%

43.11%

(55.88)%

43.00%

45.43%

48.83%

55.39%

63.66%

68.76%

38.33%

59.29%

53.21%

Operating Income

- -

Operating Income ratio

- -

Total Other Income Exp.(Gains)

- -

Income Before Tax

778

1,024

(3,468)

1,268

1,263

1,534

1,912

2,183

2,251

1,298

2,977

2,655

Income Before Tax ratio

15.46%

20.92%

(73.94)%

27.03%

26.25%

29.20%

33.50%

35.65%

34.71%

18.80%

44.79%

33.10%

Income Tax Expense (Gain)

272

381

(42)

403

423

489

260

462

460

241

658

582

Net Income

506

643

(3,426)

865

840

1,045

1,652

1,721

1,791

1,057

2,319

2,073

Net Income Ratio

10.06%

13.14%

(73.05)%

18.44%

17.46%

19.89%

28.95%

28.11%

27.62%

15.31%

34.89%

25.84%

EPS

0.90

1.15

(6.12)

1.55

1.97

3.26

3.54

3.82

2.22

5.43

4.12

EPS Diluted

0.90

1.15

(6.12)

1.55

1.97

3.25

3.52

3.81

2.22

5.43

4.10

Weighted Avg. Shares Outs.

560

557

536

522

502

479

450

427

425

476

Weighted Avg. Shares Outs. Dil.

560

558

538

524

504

480

451

428

427

478

SEC Link

Link

Balance Sheet

Cash and Cash Equivalents

- -

3,189

2,990

3,646

3,441

4,143

3,224

4,222

3,683

13,039

9,474

10,850

Short-Term Investments

- -

18,356

15,995

18,656

17,884

19,245

20,066

19,532

20,254

22,393

25,427

24,007

Cash & Short-Term Investments

- -

21,545

18,985

22,302

21,325

23,388

23,290

23,754

23,937

35,432

34,901

34,857

Net Receivables

- -

3,419

4,226

3,986

3,956

3,705

3,144

2,881

2,518

1,971

1,596

1,479

Inventory

- -

Other Current Assets

- -

70,718

70,230

75,289

82,244

90,538

93,403

102,284

108,211

112,653

116,436

(36,020)

Total Current Assets

- -

95,682

93,441

101,577

107,525

117,631

119,837

128,919

134,666

150,056

152,933

316

PP&E

- -

643

592

595

601

685

791

761

759

768

844

Goodwill

- -

11,311

6,876

6,887

6,923

7,044

7,050

7,116

8,173

Intangible Assets

- -

197

Goodwill and Intangible Assets

- -

11,311

6,876

6,887

6,923

7,044

7,050

7,116

8,370

Investments

- -

19,417

21,245

23,809

23,212

24,412

24,927

23,885

23,262

25,484

27,592

33,841

Tax Assets

- -

57

Other Non-Current Assets

- -

(33,841)

Total Non-Current Assets

- -

31,371

28,713

31,280

30,683

31,889

32,499

31,599

31,067

33,293

35,476

9,271

Other Assets

- -

217,146

Total Assets

- -

127,053

122,154

132,857

138,208

149,520

152,336

160,518

165,733

183,349

188,409

226,733

Accounts Payable

- -

Short-Term Debt

- -

501

2,251

6,253

2,630

3,211

1,856

1,653

9

12

73

3

Tax Payable

- -

Deferred Revenue

- -

Other Current Liabilities

- -

Total Current Liabilities

- -

501

2,251

6,253

2,630

3,211

1,856

1,653

9

12

73

- -

Long-Term Debt

- -

694

1,405

4,642

9,886

12,790

11,765

14,433

14,047

8,346

6,932

15,887

Deferred Revenue

- -

Deferred Tax Liabilities

- -

446

199

493

730

714

571

573

866

629

- -

Other Non-Current Liabilities

- -

Total Non-Current Liabilities

- -

1,140

1,604

5,135

10,616

13,504

12,336

15,006

14,913

8,975

6,932

- -

Other Liabilities

- -

101,283

99,103

102,201

105,316

113,058

117,874

123,042

128,610

151,689

157,984

203,043

Capital Lease Obligations

- -

Total Liabilities

- -

102,924

102,958

113,589

118,562

129,773

132,066

139,701

143,532

160,676

164,989

203,043

Preferred Stock

- -

247

840

1,570

1,965

2,014

Common Stock

- -

6

Retained Earnings

- -

5,846

1,235

1,294

1,913

2,703

4,164

5,385

6,498

6,445

7,978

9,159

Other Compreh. Income(Loss)

- -

(312)

(648)

(372)

(387)

(668)

(820)

(1,096)

(411)

(60)

(665)

(4,560)

Other Total Stockhold. Equity

- -

18,589

18,603

18,340

17,867

17,459

16,673

15,682

14,538

14,317

14,087

17,071

Total Stockholders Equity

- -

24,129

19,196

19,268

19,646

19,747

20,270

20,817

22,201

22,673

23,420

23,690

Total Liab.&Stockhold. Equity

- -

127,053

122,154

132,857

138,208

149,520

152,336

160,518

165,733

183,349

188,409

226,733

Minority Interest

- -

Total Liabilities & Equity

- -

127,053

122,154

132,857

138,208

149,520

152,336

160,518

165,733

183,349

188,409

226,733

SEC Link

Link

Cash Flow Statement

Net Income

506

643

(3,426)

865

840

1,045

1,652

1,721

1,791

1,057

2,319

2,073

Depreciation and Amortization

434

467

404

386

471

523

502

489

633

578

625

565

Deferred Income Tax

252

306

(53)

141

249

153

(136)

97

64

(238)

(429)

57

Stock Based Compensation

- -

29

- -

53

24

23

48

41

48

59

84

Change in Working Capital

225

(93)

456

(56)

(628)

(333)

(621)

(914)

(525)

(2,978)

(962)

(2,779)

Accounts Receivable

- -

Inventory

- -

Accounts Payable

- -

Other Working Capital

- -

Other Non-Cash Items

1,062

362

5,268

1

273

79

438

333

(307)

1,644

663

- -

Cash Provided by Operating Activities

2,479

1,714

2,649

1,390

1,229

1,490

1,883

1,767

1,697

111

2,275

- -

CAPEX

(368)

(371)

(368)

(311)

(299)

(303)

(440)

(485)

(366)

(118)

(124)

(126)

Acquisitions Net

- -

(533)

(129)

(3)

(165)

(255)

Purchases of Investments

(13,782)

(5,533)

(11,224)

(9,573)

(7,963)

(8,599)

(6,291)

(5,186)

(9,650)

(9,271)

(12,406)

(10,776)

Sales/Maturities of Investments

11,809

9,595

8,502

6,832

8,384

6,778

6,178

5,570

10,749

8,425

9,606

5,635

Other Investing Activities

307

(2,965)

637

(7,392)

(6,205)

(9,367)

(3,618)

(6,696)

(4,719)

(5,287)

(7,521)

(7,241)

Cash Used for Investing Activities

(2,034)

919

(2,453)

(10,274)

(5,905)

(11,326)

(3,984)

(7,077)

(3,875)

(6,136)

(10,486)

(12,637)

Debt Repayment

(3,113)

(2,885)

(291)

(6)

(766)

(8,429)

(12,751)

(14,837)

(14,857)

(14,061)

(1,506)

(19,691)

Common Stock Issued

- -

Common Stock Repurchased

- -

(334)

(500)

(430)

(820)

(1,025)

(1,220)

(270)

(545)

(153)

Dividends Paid

- -

(150)

(1,185)

(806)

(221)

(255)

(336)

(485)

(682)

(770)

(783)

(779)

Other Financing Activities

1,444

(229)

974

10,549

5,972

19,569

15,336

22,699

18,249

30,473

7,470

30,530

Cash Used/Provided by Financing Activities

(1,669)

(3,264)

(502)

9,403

4,485

10,455

1,429

6,352

1,490

15,372

4,636

9,907

Effect of Forex Changes on Cash

- -

Net Change In Cash

(1,224)

(631)

(306)

519

(191)

619

(672)

1,042

(688)

9,347

(3,575)

1,389

Cash at the End of Period

3,694

3,063

2,757

3,276

3,085

3,704

3,032

4,074

3,386

12,733

9,158

10,547

Cash at the Beginning of Period

4,918

3,694

3,063

2,757

3,276

3,085

3,704

3,032

4,074

3,386

12,733

9,158

Free Cash Flow

2,111

1,343

2,281

1,079

930

1,187

1,443

1,282

1,331

(7)

2,151

(126)

SEC Link

Link

Forex Rate

- -

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Citizens Financial Group, Inc.

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