Citizens Financial Group, Inc. Financial Ratios — CFG Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	5.33	-15.82	4.5	4.31	5.3	8.29	8.46	8.46	4.6	10.48	9.1	6.78	6.17	7.31
Return on Assets (%)	- -	1.01	-2.75	0.68	0.62	0.73	1.09	1.1	1.1	0.61	1.25	1	0.72	0.69	0.83
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	8.63	9.54	8.61	8.23	9.76	9.8	8.53	7.98	9.75	8.37	9.4	7.04	5.81	6.38	5.8
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	15.46	20.92	-73.94	27.03	26.18	29.19	33.5	35.62	34.68	18.8	44.79	33.1	24.68	24.18	28.23
Profit Margin (%)	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
Net Income to Common Margin (%)	10.06	13.14	-73.05	18.44	17.27	19.62	28.7	27.61	26.47	13.76	33.19	24.44	18.13	17.57	20.53
Effective Tax Rate (%)	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
Dvd Payout Ratio (%)	- -	23.33	-34.59	93.18	25.69	23.38	19.66	26.95	35.45	69.79	30.37	39.74	54.39	55.83	44.3
Sustainable Growth Rate (%)	- -	4.09	-21.29	0.31	3.2	4.06	6.66	6.18	5.46	1.39	7.29	5.48	3.09	2.73	4.07

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	1,195	3,656	10,895	12,516	16,001	13,621	16,086	14,056	8,358	7,005	15,890	13,972	12,401	11,282
ST Debt	- -	501	2,251	6,253	2,630	3,211	1,856	1,653	9	12	73	3	505	1,988	2,048
LT Debt	- -	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
Total Debt/EBITDA	- -	2.56	9.05	28.23	26.57	31.07	27.97	32.9	22.21	14.46	11.21	28.12	29.23	24.9	23.6
Net Debt/EBITDA	- -	-4.27	1.65	18.78	19.27	23.03	21.35	24.26	16.39	-8.1	-3.95	8.92	4.06	2.34	-5.03
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	18.99	15.71	14.5	14.04	13.04	13.14	12.45	12.45	11.29	11.36	9.56	10.06	10.18	10.69
Long-Term Debt/Equity (%)	- -	2.88	7.32	24.09	50.32	64.77	58.04	69.33	63.27	36.81	29.6	67.06	55.32	42.93	35.09
Long-Term Debt/Capital (%)	- -	2.74	6.15	15.39	30.74	35.78	34.71	39.11	38.74	26.9	22.78	40.14	35.15	28.41	24.56
Long-Term Debt/Total Assets (%)	- -	0.55	1.15	3.49	7.15	8.55	7.72	8.99	8.48	4.55	3.68	7.01	6.07	4.79	4.08
Total Debt/Equity (%)	- -	4.95	19.05	56.54	63.71	81.03	67.2	77.27	63.31	36.86	29.91	67.07	57.4	51.13	42.87
Total Debt/Capital (%)	- -	4.72	16	36.12	38.92	44.76	40.19	43.59	38.77	26.93	23.02	40.15	36.47	33.83	30.01
Total Debt/Total Assets (%)	- -	0.94	2.99	8.2	9.06	10.7	8.94	10.02	8.48	4.56	3.72	7.01	6.29	5.7	4.98
Net Debt to Equity	- -	-8.26	3.47	37.62	46.19	60.05	51.29	56.99	46.72	-20.65	-10.54	21.27	7.97	4.8	-9.14
Net Debt/Capital (%)	- -	-9.01	3.35	27.34	31.6	37.52	33.9	36.3	31.84	-26.02	-11.78	17.54	7.38	4.58	-10.06
EBITDA	434	467	404	386	471	515	487	489	633	578	625	565	478	498	478
EBITDA-CapEx	66	96	36	75	172	212	47	4	267	578	625	565	478	498	478
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	18.99	15.71	14.5	14.04	13.04	13.14	12.45	12.45	11.29	11.36	9.56	10.06	10.18	10.69
Long-Term Debt/Equity (%)	- -	2.88	7.32	24.09	50.32	64.77	58.04	69.33	63.27	36.81	29.6	67.06	55.32	42.93	35.09
Long-Term Debt/Capital (%)	- -	2.74	6.15	15.39	30.74	35.78	34.71	39.11	38.74	26.9	22.78	40.14	35.15	28.41	24.56
Long-Term Debt/Total Assets (%)	- -	0.55	1.15	3.49	7.15	8.55	7.72	8.99	8.48	4.55	3.68	7.01	6.07	4.79	4.08
Total Debt/Equity (%)	- -	4.95	19.05	56.54	63.71	81.03	67.2	77.27	63.31	36.86	29.91	67.07	57.4	51.13	42.87
Total Debt/Capital (%)	- -	4.72	16	36.12	38.92	44.76	40.19	43.59	38.77	26.93	23.02	40.15	36.47	33.83	30.01
Total Debt/Total Assets (%)	- -	0.94	2.99	8.2	9.06	10.7	8.94	10.02	8.48	4.56	3.72	7.01	6.29	5.7	4.98
CFO/Total Liabilities	- -	1.67	2.57	1.22	1.04	1.15	1.43	1.26	1.18	0.07	1.38	2.03	1.5	1.04	1.11
CFO/CapEx	6.74	4.62	7.2	4.47	4.11	4.92	4.28	3.64	4.64	- -	- -	- -	- -	- -	- -
Altman's Z-Score	- -	0.11	0.06	0.12	0.13	0.15	0.17	0.15	0.17	0.15	0.17	0.15	0.15	0.17	0.19

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	23.48	13.07	13.16	31.7	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	15.55	27.94	27.73	11.51	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	13,571	13,822	18,241	20,604	13,854	17,589	15,277	19,946	19,381	15,457	19,278	25,072
- Cash & Cash Equivalents	- -	3,189	2,990	3,646	3,441	4,143	3,224	4,222	3,683	13,039	9,474	10,850	12,033	11,236	13,688
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	247	247	247	840	1,570	1,965	2,014	2,014	2,014	2,113	2,111
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	1,195	3,656	10,895	12,516	16,001	13,621	16,086	14,056	8,358	7,005	15,890	13,972	12,401	11,282
Enterprise Value	- -	-20,350	-15,329	2,164	9,543	11,101	11,182	7,026	9,278	-9,832	-5,936	2,698	-10,257	-10,057	-10,812
Total Capital	- -	25,324	22,852	30,163	32,162	35,748	33,891	36,903	36,257	31,031	30,425	39,580	38,314	36,655	37,599
Total Debt/Capital (%)	- -	4.72	16	36.12	38.92	44.76	40.19	43.59	38.77	26.93	23.02	40.15	36.47	33.83	30.01
Total Debt / EV	- -	-0.06	-0.24	5.04	1.31	1.44	1.22	2.29	1.51	-0.85	-1.18	5.89	-1.36	-1.23	-1.04
EV/Sales	- -	- -	- -	0.46	1.98	2.11	1.96	1.15	1.43	- -	- -	0.34	- -	- -	- -
EV/EBITDA	- -	- -	- -	5.61	20.26	21.56	22.96	14.37	14.66	- -	- -	4.78	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	1.56	7.77	7.45	5.94	3.98	5.47	- -	- -	0.66	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	1.27	6.25	6.19	4.81	3.12	4.5	- -	- -	0.66	- -	- -	- -
Diluted Market Cap	- -	- -	- -	13,865	14,096	18,668	21,145	14,283	18,324	15,311	20,196	18,811	15,798	19,846	25,519
Diluted Enterprise Value	- -	-1,994	666	21,114	23,418	30,773	31,789	26,987	30,267	12,595	19,741	25,865	19,751	23,124	25,224
EV per Share	- -	- -	- -	3.96	18.08	21.68	22.78	15.08	21.42	- -	- -	5.48	- -	- -	- -
TTM Sales	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
TTM EBITDA	434	467	404	386	471	515	487	489	633	578	625	565	478	498	478
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2,479	1,714	2,649	1,390	1,229	1,490	1,883	1,767	1,697	111	2,275	4,119	2,961	2,001	2,211
TTM Free Cash Flow to Firm	2,847	2,085	3,017	1,701	1,528	1,793	2,323	2,252	2,063	111	2,275	4,119	2,961	2,001	2,211

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	8.15	9.23	10.41	9.1	6.34	8.88	137.94	8.88	4.57	5.34	9.92	11.54
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	-20,350	-15,329	2,164	9,543	11,101	11,182	7,026	9,278	-9,832	-5,936	2,698	-10,257	-10,057	-10,812
Low Price	- -	- -	- -	21.35	21.14	18.04	31.51	27.62	29.27	14.12	34.92	32.66	22.77	30.24	32.6
EV/Sales	- -	- -	- -	0.46	1.98	2.11	1.96	1.15	1.43	- -	- -	0.34	- -	- -	- -
EV/EBITDA	- -	- -	- -	5.61	20.26	21.56	22.96	14.37	14.66	- -	- -	4.78	- -	- -	- -
Price/Earnings	- -	- -	- -	16	16.84	18.04	12.87	8.41	10.63	16.08	9.12	9.56	10.56	14.37	14.94
Price/Earnings Average	- -	- -	- -	15.31	16.36	12.25	11.19	11.45	9.29	12.59	8.73	10.12	9.78	12.53	12.02
Price/Earnings High	- -	- -	- -	16.47	18.46	18.51	13.16	13.65	10.71	18.56	9.95	13.84	14.28	16.18	15.38
Price/Earnings Low	- -	- -	- -	13.74	13.59	9.14	9.66	7.82	7.66	6.35	6.74	7.93	7.26	9.93	8.34
Price/Book Value	- -	- -	- -	0.7	0.71	0.94	1.03	0.69	0.85	0.74	0.93	0.89	0.69	0.87	1.04
Price/Book Value Average	- -	- -	- -	0.67	0.69	0.63	0.89	0.94	0.74	0.58	0.89	0.95	0.64	0.76	0.83
Price/Book Value High	- -	- -	- -	0.73	0.78	0.96	1.05	1.13	0.86	0.85	1.02	1.29	0.94	0.98	1.07
Price/Book Value Low	- -	- -	- -	0.6	0.58	0.47	0.77	0.64	0.61	0.29	0.69	0.74	0.48	0.6	0.58
Price/Tangible Book Value	- -	- -	- -	1.1	1.1	1.44	1.57	1.06	1.29	1.12	1.4	1.46	1.11	1.4	1.58
Price/Tangible Book Value Average	- -	- -	- -	1.05	1.07	0.98	1.36	1.44	1.13	0.88	1.34	1.54	1.02	1.22	1.27
Price/Tangible Book Value High	- -	- -	- -	1.13	1.21	1.48	1.6	1.72	1.3	1.29	1.53	2.11	1.5	1.57	1.62
Price/Tangible Book Value Low	- -	- -	- -	0.94	0.89	0.73	1.18	0.99	0.93	0.44	1.04	1.21	0.76	0.96	0.88
Price/Sales	- -	- -	- -	2.95	2.91	3.54	3.69	2.32	2.81	2.21	3.03	2.34	1.91	2.53	3.07
Price/Sales Average	- -	- -	- -	2.82	2.82	2.4	3.21	3.16	2.46	1.73	2.9	2.47	1.77	2.2	2.47
Price/Sales High	- -	- -	- -	3.04	3.19	3.63	3.78	3.77	2.84	2.55	3.3	3.38	2.59	2.84	3.16
Price/Sales Low	- -	- -	- -	2.53	2.35	1.79	2.77	2.16	2.03	0.87	2.24	1.94	1.32	1.75	1.71
Price/Cash Flow	- -	- -	- -	9.96	11.41	12.48	11.2	8.06	10.76	137.58	8.84	4.55	5.32	9.86	11.44
Price/Cash Flow Average	- -	- -	- -	9.53	11.09	8.47	9.74	10.96	9.4	107.73	8.47	4.82	4.92	8.59	9.2
Price/Cash Flow High	- -	- -	- -	10.25	12.51	12.81	11.45	13.07	10.84	158.86	9.64	6.59	7.19	11.09	11.77
Price/Cash Flow Low	- -	- -	- -	8.55	9.21	6.32	8.4	7.48	7.76	54.33	6.53	3.77	3.65	6.81	6.39
Price/Free Cash Flow Average	- -	- -	- -	7.8	8.96	7.07	7.92	8.63	7.76	108.01	8.5	4.84	4.94	8.65	9.28
Price/Free Cash Flow High	- -	- -	- -	8.39	10.11	10.68	9.31	10.29	8.95	159.27	9.68	6.61	7.22	11.16	11.88
Price/Free Cash Flow Low	- -	- -	- -	7	7.45	5.27	6.83	5.89	6.4	54.46	6.56	3.79	3.67	6.85	6.44
EV/Sales Average	- -	- -	0.14	4.31	4.72	4.66	5	5.15	4.21	1.34	2.81	3.44	2.22	2.57	2.41
EV/Sales High	- -	- -	0.14	4.52	5.07	5.87	5.56	5.74	4.57	2.16	3.2	4.38	3.02	3.2	3.09
EV/Sales Low	- -	- -	0.14	4.03	4.25	4.06	4.57	4.17	3.79	0.48	2.15	2.88	1.77	2.13	1.66
EV/EBITDA Average	- -	-4.27	1.65	52.42	48.3	47.54	58.65	64.53	43.14	16	29.84	48.8	38.21	40.33	41.56
EV/EBITDA High	- -	-4.27	1.65	54.98	51.96	59.85	65.12	71.94	46.87	25.82	34.08	62.15	52	50.15	53.35
EV/EBITDA Low	- -	-4.27	1.65	48.97	43.48	41.44	53.61	52.3	38.89	5.74	22.86	40.94	30.49	33.33	28.66
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	24.86	26.19	35.63	41.98	29.73	40.61	35.76	47.25	39.37	33.14	43.76	58.41
High Price	- -	- -	- -	25.6	28.71	36.56	42.93	48.23	40.92	41.29	51.54	57	44.82	49.25	60.1
Enterprise Value Average	- -	-1,994	666	20,234	22,749	24,485	28,563	31,556	27,306	9,246	18,650	27,574	18,266	20,085	19,864
Enterprise Value High	- -	-1,994	666	21,224	24,474	30,822	31,715	35,180	29,666	14,923	21,302	35,114	24,858	24,975	25,502
Enterprise Value Low	- -	-1,994	666	18,904	20,479	21,341	26,110	25,575	24,620	3,316	14,286	23,132	14,573	16,600	13,698

Shares Outstanding	- -	560	560	546	528	512	491	466	433	427	422	492	466	441	429
Diluted Weighted Avg Shares	560	560	560	558	538	524	504	480	451	428	427	478	477	454	437
Basic Weighted Avg Shares	560	560	560	557	536	522	502	479	450	427	426	476	475	451	433
Revenue per Share	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
EBITDA per Share	0.78	0.83	0.72	0.69	0.88	0.99	0.97	1.02	1.41	1.35	1.47	1.19	1.01	1.11	1.1
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	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
Basic EPS from Cont Ops	0.9	1.15	-6.12	1.55	1.57	2	3.29	3.59	3.98	2.48	5.45	4.36	3.38	3.35	4.23
Diluted EPS, GAAP	0.9	1.15	-6.12	1.55	1.55	1.97	3.25	3.52	3.81	2.22	5.16	4.1	3.13	3.03	3.88
Diluted EPS from Cont Ops	0.9	1.15	-6.12	1.55	1.56	1.99	3.28	3.58	3.97	2.47	5.43	4.34	3.37	3.33	4.19
Dividend per 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
Cash Flow per Share	4.43	3.06	4.73	2.5	2.29	2.85	3.75	3.69	3.77	0.26	5.34	8.65	6.23	4.44	5.1
Free Cash Flow per Basic Share	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
Cash & Equivalents per Share	- -	38.47	33.9	40.85	32.29	45.68	47.45	50.97	55.27	82.94	82.68	70.26	89.4	99.53	114.8
Book Value per Share	- -	43.09	34.28	35.3	36.76	38.09	40.8	42.87	47.63	48.47	50.71	44.03	47.87	50.26	56.39
Tangible Book Value per Share	- -	22.89	22	22.7	23.73	24.66	26.76	28.01	31.37	31.97	33.7	27.03	29.98	31.34	37.05

Citizens Financial Group, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)