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

CFGNYSE

40.87

USD
+0.57
(+1.41%)
After Hours Market
8.54P/E
8Forward P/E
0.33P/E to S&P500
20.249BMarket CAP
3.87%Div Yield
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Currency: USD, in millions
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
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
COGS
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit Ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
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
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
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)
- -
- -
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
Interest Expense
884
619
443
363
452
508
747
1,226
1,575
771
339
Depreciation and Amortization
434
467
404
386
471
523
502
489
633
578
625
EBITDA
2,096
2,110
(2,621)
2,017
2,186
2,565
3,161
3,898
4,459
2,647
3,941
EBITDA ratio
41.66%
43.11%
(55.88)%
43.00%
45.43%
48.83%
55.39%
63.66%
68.76%
38.33%
59.29%
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
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%
Income Tax Expense (Gain)
272
381
(42)
403
423
489
260
462
460
241
658
Net Income
506
643
(3,426)
865
840
1,045
1,652
1,721
1,791
1,057
2,319
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%
EPS
0.90
1.15
(6.12)
1.55
1.55
1.97
3.26
3.54
3.82
2.22
5.43
EPS Diluted
0.90
1.15
(6.12)
1.55
1.55
1.97
3.25
3.52
3.81
2.22
5.43
Weighted Avg. Shares Outs.
560
560
560
557
536
522
502
479
450
427
425
Weighted Avg. Shares Outs. Dil.
560
560
560
558
538
524
504
480
451
428
427
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
Short-Term Investments
- -
18,356
15,995
18,656
17,884
19,245
20,066
19,532
20,254
22,393
25,427
Cash & Short-Term Investments
- -
21,545
18,985
22,302
21,325
23,388
23,290
23,754
23,937
35,432
34,901
Net Receivables
- -
3,419
4,226
3,986
3,956
3,705
3,144
2,881
2,518
1,971
1,596
Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Other Current Assets
- -
70,718
70,230
75,289
82,244
90,538
93,403
102,284
108,211
112,653
116,436
Total Current Assets
- -
95,682
93,441
101,577
107,525
117,631
119,837
128,919
134,666
150,056
152,933
PP&E
- -
643
592
595
595
601
685
791
761
759
768
Goodwill
- -
11,311
6,876
6,876
6,876
6,876
6,887
6,923
7,044
7,050
7,116
Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Goodwill and Intangible Assets
- -
11,311
6,876
6,876
6,876
6,876
6,887
6,923
7,044
7,050
7,116
Investments
- -
19,417
21,245
23,809
23,212
24,412
24,927
23,885
23,262
25,484
27,592
Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Other Non-Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Non-Current Assets
- -
31,371
28,713
31,280
30,683
31,889
32,499
31,599
31,067
33,293
35,476
Other Assets
- -
158,424
150,867
164,137
168,891
181,409
184,835
192,117
196,800
216,642
223,885
Total Assets
- -
127,053
122,154
132,857
138,208
149,520
152,336
160,518
165,733
183,349
188,409
Accounts Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Short-Term Debt
- -
501
2,251
6,253
2,630
3,211
1,856
1,653
9
12
73
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
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
- -
103,563
102,311
112,471
126,548
140,066
142,546
153,054
158,436
169,639
171,848
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
Preferred Stock
- -
- -
- -
- -
247
247
247
840
1,570
1,965
2,014
Common Stock
- -
6
6
6
6
6
6
6
6
6
6
Retained Earnings
- -
5,846
1,235
1,294
1,913
2,703
4,164
5,385
6,498
6,445
7,978
Other Compreh. Income(Loss)
- -
(312)
(648)
(372)
(387)
(668)
(820)
(1,096)
(411)
(60)
(665)
Other Total Stockhold. Equity
- -
18,589
18,603
18,340
17,867
17,459
16,673
15,682
14,538
14,317
14,087
Total Stockholders Equity
- -
24,129
19,196
19,268
19,646
19,747
20,270
20,817
22,201
22,673
23,420
Total Liab.&Stockhold. Equity
- -
127,053
122,154
132,857
138,208
149,520
152,336
160,518
165,733
183,349
188,409
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
Cash Flow Statement
Net Income
506
643
(3,426)
865
840
1,045
1,652
1,721
1,791
1,057
2,319
Depreciation and Amortization
434
467
404
386
471
523
502
489
633
578
625
Deferred Income Tax
252
306
(53)
141
249
153
(136)
97
64
(238)
(429)
Stock Based Compensation
- -
29
- -
53
24
23
48
41
41
48
59
Change in Working Capital
225
(93)
456
(56)
(628)
(333)
(621)
(914)
(525)
(2,978)
(962)
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)
Acquisitions Net
- -
- -
- -
- -
- -
- -
- -
(533)
(129)
(3)
(165)
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)
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
Other Investing Activities
307
(2,965)
637
(7,392)
(6,205)
(9,367)
(3,618)
(6,696)
(4,719)
(5,287)
(7,521)
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)
Debt Repayment
(3,113)
(2,885)
(291)
(6)
(766)
(8,429)
(12,751)
(14,837)
(14,857)
(14,061)
(1,506)
Common Stock Issued
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Common Stock Repurchased
- -
- -
- -
(334)
(500)
(430)
(820)
(1,025)
(1,220)
(270)
(545)
Dividends Paid
- -
(150)
(1,185)
(806)
(221)
(255)
(336)
(485)
(682)
(770)
(783)
Other Financing Activities
1,444
(229)
974
10,549
5,972
19,569
15,336
22,699
18,249
30,473
7,470
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
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)
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
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
Free Cash Flow
2,111
1,343
2,281
1,079
930
1,187
1,443
1,282
1,331
(7)
2,151
Forex Rate
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -