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
Return on Common Equity (%)	- -	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
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 (%)	- -	16.85	-130.02	4.64	38.46	34.14	38.26	25.86	18.65	4.43	21.28	13.77	7.16	5.99	8.66

Credit (USD)

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	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
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	- -	4.61	1.02	0.98	1.39	1.81	2.74	3.36	3.92	3.52	4.24	4.04	4.43	4.79	5.02
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 (%)	- -	9.85	28.69	38.06	67.33	67.47	65.22	64.67	63.47	49.76	40.77	58.69	52.18	41.76	37.32
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 (%)	- -	16.96	74.66	89.34	85.25	84.41	75.51	72.08	63.52	49.83	41.2	58.7	54.14	49.74	45.59
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 (%)	- -	-51.68	34.92	84.79	80.73	80.05	70.18	65.57	56.23	-125.33	-32.79	31.07	14.08	8.51	-21.76
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)

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	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
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	4.61	1.02	0.98	1.39	1.81	2.74	3.36	3.92	3.52	4.24	4.04	4.43	4.79	5.02
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 (%)	- -	9.85	28.69	38.06	67.33	67.47	65.22	64.67	63.47	49.76	40.77	58.69	52.18	41.76	37.32
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 (%)	- -	16.96	74.66	89.34	85.25	84.41	75.51	72.08	63.52	49.83	41.2	58.7	54.14	49.74	45.59
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	0.18	0.15	0.17	0.15	0.17	0.15	0.15	0.17	0.19

Working Capital (USD)

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	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
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)

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	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
Market Capitalization	- -	- -	- -	13,839	14,027	18,602	21,081	14,235	18,264	15,272	20,113	18,739	15,744	19,722	25,302
- 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	2,432	9,748	11,462	11,659	7,407	9,953	-9,837	-5,769	2,056	-9,970	-9,613	-10,582
Total Capital	- -	7,047	4,897	12,195	14,682	18,957	18,038	22,317	22,130	16,774	17,003	27,069	25,808	24,933	24,745
Total Debt/Capital (%)	- -	16.96	74.66	89.34	85.25	84.41	75.51	72.08	63.52	49.83	41.2	58.7	54.14	49.74	45.59
Total Debt / EV	- -	-0.06	-0.24	4.48	1.28	1.4	1.17	2.17	1.41	-0.85	-1.21	7.73	-1.4	-1.29	-1.07
EV/Sales	- -	- -	- -	0.52	2.02	2.18	2.04	1.21	1.53	- -	- -	0.26	- -	- -	- -
EV/EBITDA	- -	- -	- -	6.3	20.7	22.26	23.94	15.15	15.72	- -	- -	3.64	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	1.75	7.93	7.69	6.19	4.19	5.86	- -	- -	0.5	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	1.43	6.38	6.39	5.02	3.29	4.82	- -	- -	0.5	- -	- -	- -
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	- -	- -	- -	4.37	18.2	21.95	23.22	15.47	22.13	- -	- -	4.32	- -	- -	- -
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)

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	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
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	2,432	9,748	11,462	11,659	7,407	9,953	-9,837	-5,769	2,056	-9,970	-9,613	-10,582
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	- -	- -	- -	0.52	2.02	2.18	2.04	1.21	1.53	- -	- -	0.26	- -	- -	- -
EV/EBITDA	- -	- -	- -	6.3	20.7	22.26	23.94	15.15	15.72	- -	- -	3.64	- -	- -	- -
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	- -	- -	- -	10.65	7.31	6.87	5.06	2.64	2.81	2.37	2.52	2.04	1.6	1.89	2.23
Price/Book Value Average	- -	- -	- -	10.19	7.1	4.66	4.4	3.59	2.45	1.85	2.41	2.16	1.48	1.65	1.79
Price/Book Value High	- -	- -	- -	10.96	8.01	7.05	5.17	4.28	2.83	2.73	2.75	2.96	2.17	2.13	2.29
Price/Book Value Low	- -	- -	- -	9.14	5.9	3.48	3.79	2.45	2.02	0.93	1.86	1.7	1.1	1.31	1.24
Price/Tangible Book Value	- -	- -	- -	1.12	1.12	1.47	1.6	1.09	1.34	1.12	1.41	1.41	1.13	1.43	1.59
Price/Tangible Book Value Average	- -	- -	- -	1.07	1.09	1	1.4	1.48	1.17	0.88	1.35	1.49	1.04	1.25	1.28
Price/Tangible Book Value High	- -	- -	- -	1.15	1.23	1.51	1.64	1.77	1.35	1.29	1.54	2.04	1.52	1.61	1.64
Price/Tangible Book Value Low	- -	- -	- -	0.96	0.9	0.75	1.2	1.01	0.97	0.44	1.04	1.17	0.77	0.99	0.89
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	4.37	4.76	4.71	5.08	5.23	4.3	1.34	2.83	3.35	2.25	2.62	2.43
EV/Sales High	- -	- -	0.14	4.58	5.12	5.94	5.64	5.84	4.68	2.16	3.23	4.26	3.07	3.26	3.12
EV/Sales Low	- -	- -	0.14	4.08	4.28	4.1	4.64	4.23	3.87	0.48	2.17	2.82	1.8	2.17	1.68
EV/EBITDA Average	- -	-4.27	1.65	53.09	48.72	48.02	59.5	65.59	44.07	15.99	30.1	47.6	38.77	41.11	41.94
EV/EBITDA High	- -	-4.27	1.65	55.7	52.44	60.57	66.12	73.21	47.94	25.81	34.37	60.5	52.82	51.15	53.85
EV/EBITDA Low	- -	-4.27	1.65	49.57	43.83	41.79	54.35	53.02	39.66	5.73	23.06	40	30.9	33.95	28.93
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	20,491	22,948	24,731	28,977	32,075	27,895	9,242	18,809	26,894	18,532	20,472	20,049
Enterprise Value High	- -	-1,994	666	21,500	24,699	31,193	32,202	35,798	30,346	14,917	21,484	34,184	25,247	25,474	25,739
Enterprise Value Low	- -	-1,994	666	19,134	20,645	21,524	26,467	25,929	25,107	3,314	14,409	22,599	14,771	16,907	13,826

	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
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	40.06	31.82	44.8	46.38	49.61	53.23	82.97	81.99	72.67	87.77	97.3	113.76
Book Value 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
Tangible 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

Citizens Financial Group, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)