Citizens Financial Group, Inc.

State Commercial Banks

CFGStrained8 of 10 basics passed

$63.57

-0.81%

Market cap $26.8B

$63.57

-0.81%

Market cap $26.8B

Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island. Through its subsidiaries, it offers various retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions.

It is a $26.8B financial services company. Revenue grew 3.0% over the last year, and it keeps 17¢ of every dollar of sales as profit. It trades at 12.6× earnings — around the middle of its own history.

Website: citizensbank.com
Location: Providence, RI
Employees: 17 398
Sector: Financial Services
Next earnings: Oct 16, 2026 · in 4d

Share price · 3 years

$26.81 → $63.57+137.1%

price only — dividends excluded

Key facts · TTM

Revenue: total sales; $12.4B
Profit: keeps 17¢ of every $1 sold; $2.13B
Free cash flow: cash left after running the business; $2.50B
P/E: years of profit in the price; 12.6
EPS: earnings per share, TTM; $4.87
Dividend: pays out 43% of profit · 37% of FCF; 3.42%
Shares: down 17% since 2016 — buybacks; 436.9M
Volatility: beta vs the market — under 1 swings less; 1.11

Revenue, last 10 years

52-week range

Low $48.39$63.57High $74.73

Today's price is 58% of the way from the year's low to its high.

P/E vs its history5y

13.0×median 10.1×

Higher than 62% of past days — around the middle of its own history.

Valuation vs own history

P/E

13.0×

38%

P/S

2.6×

16%

EV/EBITDA

13.0×

77%

P/B

1.0×

12%

FCF yield

8.8%

89%

Share of the last ~5 years that was pricier than today (in line with its own history). Based on the daily valuation record.

Earnings

Next report Oct 16, 2026

Insider activity · 90 days

-$9.32Mnet selling

Purchases$0

Sales$9.32M

Insiders trading, last 14d0 buy · 0 sell

Standing in Financial Services

Size$26.8Btop 46%
Revenue growth+4%top 72%
Net margin25%top 32%
Return on equity8%top 78%
P/E12.6×top 42%
Dividend yield3.42%top 21%

Ranked against 129 Financial Services companies with a full CV — for P/E, lower ranks higher.

Skills

Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.

Health lags behind.

Valuation65

P/E vs own history62th pct · 5/25
FCF yield9.3% · 25/25
P/S1.5x · 25/25
EV/EBITDAn/a · 10/25

Growth60

Revenue CAGR14.6% · 20/25
Net income CAGR-5.7% · 0/25
EPS CAGR ~5Y11.2% · 20/25
Fwd implied growth18.9% · 20/25

Profitability62

ROIC4.9% · 5/25
ROE8.1% · 12/25
Net margin17.2% · 20/25
Operating margin31.4% · 25/25

Health25

Altman Zn/a · 0/25
Current ration/a · 0/25
Interest coverageno interest expense · 25/25
Net cash / debtn/a · 0/25

Quality52

Piotroski F6/9 · 15/25
Beneish M-2.51 · 25/25
FCF conversionn/a · 0/25
Margin stabilityσ 8.9% · 12/25

Moat50

ROIC >12% years0/5 yrs · 0/25
Median gross marginn/a · 0/25
FCF-positive years9/9 yrs · 25/25
Worst-year net marginworst 12.2% · 25/25

How the scores work →

Experience

The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.

FY2023Financial
Revenue crossed $10B
$12.2B for the year
FY2021Financial
Best year on record
$2.32B net income
FY2016Financial
Profitable every year on record
10 consecutive profitable years in our data
FY2016Financial
Revenue already above $1B
$5.76B in first reported year
FY2016Financial
Positive free cash flow every year since
10-year streak

Achievements

Verifiable track record, straight from the reported numbers.

$10 000 invested in 2021 would be worth ~$14 451 today — price return only

$12.1B revenue in FY2025

Profitable 10 years in a row

Positive free cash flow 10 years in a row

17 398 employees

Strengths & watch-outs

What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.

Strengths

Strong cash conversion — FCF is 20.2% of revenue

Watch-outs

Nothing stands out as a concern in the available data.

Qualifications

The basics a company should meet before you research it further. Each check uses the reported numbers.

8 of 10 checks passed

Revenue growing — the company sells more than a year ago+3.0% YoY
Profitable — makes more than it spends$2.13B TTM
Profit growing — earnings are higher than last year-1.1% YoY
Generates cash — cash left after running and investing$2.50B TTM
Debt under control — could handle its obligationsno data
Established company — not a micro-cap — lower blow-up risk$26.8B market cap
Not printing shares — share count not ballooning — you keep your slice+2.0% shares over ~5y
Proven track record — years of profitability behind it10/10 profitable years
Financially stable — balance sheet not near distresshealth score 25/100
Pays a dividend — returns cash to shareholdersyield 3.42%
Valuation not extreme — price not wildly above earningsP/E 12.6

Peer comparisonCitizens Financial Group, Inc. vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾

Company	Market cap	P/E	Revenue growth	Net margin	Profile
CFG this company	$26.8B	12.6	+3.0%	17.2%	Strained
BRK.A Berkshire Hathaway Inc.	$1.1T	11.6	+3.9%	22.3%	Mixed
BRK.B Berkshire Hathaway	$1.1T	11.6	+0.0%	18.0%	Strong
JPM JPMorgan Chase & Co.	$886.2B	13.6	+13.5%	32.6%	Strained
V VISA Inc.	$723.9B	31.9	+14.4%	50.8%	Solid
MA Mastercard Incorporated	$516.4B	31.7	+16.0%	46.3%	Mixed
BAC Bank of America Corporation	$380.4B	11.3	+15.9%	27.8%	Mixed

Head-to-head: CFG vs BRK.A · CFG vs BRK.B · CFG vs JPM

References

What covering analysts publish about the company — information only, not a recommendation.

Strong buy 5Buy 14Hold 4

Appendix · Financial records

The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.

Profit & lossRevenue $12.4B · net income $2.13B (TTM)Open ▾

Profit & loss

Revenue and profit over the company's career — the income statement, visualised.

RevenueNet income

Revenue (TTM)

$12.4B

YoY 3.0%

Net income (TTM)

$2.13B

Margin 17.2%

Operating margin

31.4%

P/E ratio

12.6

Dividend yield

3.42%

Income statement — full detail

Figures in USD billions · EPS in USD

	2020	2021	2022	2023	2024	2025
Revenue	7.7	7.0	9.1	12.2	12.4	12.1
Gross profit	—	—	—	—	—	—
Operating income (EBIT)	—	3.0	2.7	2.0	1.9	2.3
Net income	1.1	2.3	2.1	1.6	1.5	1.8
EPS (diluted)	2.47	5.43	4.34	3.37	3.33	4.19

Cash flowFree cash flow $2.50B · operating cash flow $2.50B (TTM)Open ▾

Cash flow statement

Cash generated by the business and what is left after investment — year by year.

Operating cash flowFree cash flow

Free cash flow (TTM)

$2.50B

Margin 20.2%

Operating cash flow (TTM)

$2.50B

Cash flow statement — full detail

Figures in USD billions

	2020	2021	2022	2023	2024	2025
Operating cash flow	0.1	2.3	4.1	3.0	2.0	2.2
Capital expenditure	—	-0.1	-0.1	-0.2	-0.1	-0.2
Free cash flow	0.1	2.2	4.0	2.8	1.9	2.0
FCF margin	1.4%	30.8%	44.0%	22.9%	15.2%	16.9%

Balance sheetAssets $226B · debt n/a (FY2025)Open ▾

Balance sheet

How the balance sheet is built — what it owns versus how it is financed.

How $226B of assets is financed

88%

Liabilities $200B — borrowed moneyEquity $26.3B — owners' stake

Cash vs debt

Total debt $11.3B − cash — = net debt —

Cash on hand covers 0% of debt.

ROE

8.1%

Profit per $1 of equity

Balance sheet — full detail

Figures in USD billions

	2020	2021	2022	2023	2024	2025
Cash & equivalents	—	—	—	—	—	—
Total assets	183.3	188.4	226.7	222.0	217.5	226.4
Total liabilities	160.7	165.0	203.0	197.6	193.3	200.0
Total debt	8.6	7.0	15.9	14.0	12.4	11.3
Equity	22.7	23.4	23.7	24.3	24.3	26.3
Net debt	—	—	—	—	—	—

Want the live picture — intraday moves, valuation history and full analysis?

Deeper analysis of CFG on PreMarketPrice

Figures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $63.57 · market cap $26.8B.