Citizens Financial Group, Inc.

Citizens Financial Group, Inc.

CFG
Citizens Financial Group, Inc.US flagNew York Stock Exchange
62.31
USD
+1.53
- -
26.35BMarket Cap
Citizens Financial Group, Inc.
CFG
(New York Stock Exchange)

Recent

price

62.31

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
8.98
8.74
8.38
8.43
9.01
10.07
11.36
12.8
14.43
16.17
15.62
16.85
17.31
17.33
19.04
19.72
Revenue per Share
0.9
1.15
-6.12
1.55
1.56
1.97
3.26
3.53
3.82
2.22
5.18
4.12
3.14
3.04
3.91
4.27
Basic EPS, GAAP
3.77
2.4
4.07
1.94
1.74
2.27
2.87
2.68
2.96
0.26
5.34
8.65
6.23
4.44
5.1
6.19
Free Cash Flow per Basic Share
- -
0.27
2.12
1.45
0.41
0.49
0.67
1.01
1.52
1.8
1.84
1.87
1.95
2
2.05
2.1
Dividend per Share
- -
10.45
2.22
2.34
3.58
5.19
8.3
11.26
14.46
15.11
18.76
19.26
20.67
23.12
26.21
27.07
Book Value per Share
- -
22.89
22
22.26
23.38
24.18
26.16
27.26
30.21
31.98
33.42
27.96
29.43
30.64
36.72
36.58
Tangible Book Value per Share
560
560
560
557
536
522
502
479
450
427
426
476
475
451
433
430
Basic Weighted Avg Shares
5,031
4,894
4,690
4,691
4,824
5,255
5,707
6,128
6,491
6,905
6,647
8,021
8,224
7,809
8,247
8,480
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
434
467
404
386
471
515
487
489
633
578
625
565
478
498
478
468
Depreciation Expense
506
643
-3,426
865
840
1,045
1,652
1,721
1,791
1,057
2,319
2,073
1,608
1,509
1,831
1,975
Net Income, GAAP
34.96
37.21
- -
31.78
33.49
31.88
13.6
21.16
20.44
18.57
22.1
21.92
20.79
20.07
21.35
21.31
Effective Tax Rate (%)
10.06
13.14
-73.05
18.44
17.41
19.89
28.95
28.08
27.59
15.31
34.89
25.84
19.55
19.32
22.2
23.29
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
694
1,405
4,642
9,886
12,790
11,765
14,433
14,047
8,346
6,932
15,887
13,467
10,413
9,234
10,270
LT Debt
- -
24,129
19,196
19,268
19,646
19,747
20,270
20,817
22,201
22,673
23,420
23,690
24,342
24,254
26,317
26,172
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
21.98
-96.6
68.08
51.76
44.55
47.62
35.39
28.89
14.67
30.56
22.86
15.71
13.56
15.55
16.54
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
2,204
2,048
2,044
LT Borrowings
8,451
9,234
10,270
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
2,111
2,111
2,111
Shares Outstanding
431
429
426
Market Capitalization
23,179
25,303
25,785

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
47,648
49,277
49,402
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
2,204
2,048
2,044
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3%
3.07%
8.51%
Free Cash Flow
193.08%
396.11%
10.49%
Net Income, GAAP
15.13%
20.31%
21.34%
Sales/Revenue/Turnover
5.72%
4%
5.61%
Total Cash Common Dividend
14.41%
2.76%
-2.09%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,959
1,959
1,901
1,976
7,809
2025
1,935
2,037
2,118
2,157
8,247
2026
2,168
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.66
0.79
0.77
0.83
3.04
2025
0.78
0.93
1.07
1.14
3.91
2026
1.14
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.49
0.49
0.5
0.51
2
2025
0.5
0.5
0.5
0.54
2.05
2026
0.55
- -
- -
- -
- -
Business
Citizens Financial Group, Inc. is a bank holding company headquartered in Providence, Rhode Island, operating primarily in the retail and commercial banking sectors across the United States. Founded in 1828, it offers a wide range of financial products and services including deposit products; consumer loans such as mortgage, home equity, auto, and student loans; commercial lending and leasing; treasury management; credit cards; wealth management and investment services; and capital markets solutions. The company serves individuals, small businesses, middle-market companies, and large corporations through over 1,000 branches. Recent major developments include the expansion of its private wealth management business with key acquisitions of wealth advisory teams in Southern California and New York, enhancing its assets under management. Additionally, Citizens formed a strategic partnership with Cognizant to establish a Global Capability Center in Hyderabad aimed at driving innovation and operational efficiency. It also continued to optimize its portfolio through asset sales related to prior acquisitions and has focused on growing its commercial banking and treasury services. Citizens Financial Group manages assets exceeding $220 billion and maintains a significant presence in domestic markets, emphasizing a comprehensive financial services offering to a broad client base.

Company News

APIChat
  • Citizens Financial Group, Inc. (CFG) Presents at Bernstein 42nd Annual Strategic Decisions Conference Transcript

  • Here's Why Citizens Financial Group (CFG) is a Strong Value Stock

  • Citizens Expands Community Impact Across Rhode Island As Part of Broader Commitment to Local Communities

  • Citizens Financial Group Announces Second Quarter 2026 Earnings Conference Call Details

  • Citizens Financial Group Announces Second Quarter 2026 Earnings Conference Call Details

  • Citizens Financial Group to Participate at the Morgan Stanley U.S. Financials Conference

  • Citizens Financial Group to Participate at the Morgan Stanley U.S. Financials Conference

  • CFG's Private Bank Expansion: Growth Driver or Near-Term Cost Burden?

  • Citizens Invests in Massachusetts Communities by Strengthening the Workforce from the Ground Up

  • Citizens Named to Newsweek's America's Most Charitable Companies 2026 List & Wins Top CBA Award for Small Business Program

  • Citizens Financial Group CEO Touts Private Bank Growth, $450M AI Efficiency Push

  • Citizens Financial Group, Inc. (CFG) Presents at Barclays 18th Annual Americas Select Conference Transcript

  • Citizens Financial Group to Participate in the Bernstein 42nd Annual Strategic Decisions Conference 2026

  • Citizens Financial Group, Inc. Declares Dividends on Preferred Stock

  • These ‘Preferred' Monthly Dividends Are On The Discount Rack

  • AEGON ASSET MANAGEMENT UK Plc Sells 196,085 Shares of Citizens Financial Group, Inc. $CFG

  • Citizens Financial Group to Participate at the Barclays Americas Select Franchise Conference

  • Citizens Financial Group: Combining A High Yield With Book Value Growth

  • Citizens Financial Group Q1 Earnings Call Highlights

  • Citizens Financial Group: Margin Expansion Continues To Drive Strong Growth