Citizens Financial Group, Inc. Financial Ratios — 1C5 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 (%)	- -	- -	-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 (%)	- -	- -	-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 (%)	- -	- -	- -	3.26	2.7	3.08	4.74	4.86	4.9	3.14	7.55	5.92	4.13	4.03	4.93
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 (%)	- -	- -	-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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.07	13.16	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	27.94	27.73	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- 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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2,479	1,714	- -	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	2,111	1,343	- -	1,079	930	1,187	1,443	1,282	1,331	111	2,275	4,119	2,961	2,001	2,211

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data 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

Shares Outstanding	560	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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