# Citizens Financial Group, Inc. (CFG) — Stock CV

Citizens Financial Group, Inc. 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.

> 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.

## Identity

- **Ticker**: CFG
- **Sector**: Financial Services
- **Industry**: State Commercial Banks
- **Headquarters**: PROVIDENCE, RI
- **Employees**: 17 398
- **Website**: https://www.citizensbank.com
- **Market cap**: $26.8B
- **Last price**: $63.57
- **Financial profile**: Strained

## Vitals (TTM)

- **Revenue**: $12.4B
- **Net income**: $2.13B
- **Free cash flow**: $2.50B
- **P/E**: 12.6
- **Revenue growth (YoY)**: 3.0%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 65 |
| Growth | 60 |
| Profitability | 62 |
| Health | 25 |
| Quality | 52 |
| Moat | 50 |

## Qualifications (beginner checklist) — 8 of 10 passed

- [x] Revenue growing — +3.0% YoY
- [x] Profitable — $2.13B TTM
- [ ] Profit growing — -1.1% YoY
- [x] Generates cash — $2.50B TTM
- [x] Established company — $26.8B market cap
- [x] Not printing shares — +2.0% shares over ~5y
- [x] Proven track record — 10/10 profitable years
- [ ] Financially stable — health score 25/100
- [x] Pays a dividend — yield 3.42%
- [x] Valuation not extreme — P/E 12.6

## Experience (career milestones)

- **FY2023** — Revenue crossed $10B: $12.2B for the year
- **FY2021** — Best year on record: $2.32B net income
- **FY2016** — Profitable every year on record: 10 consecutive profitable years in our data
- **FY2016** — Revenue already above $1B: $5.76B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak

## Strengths

- Strong cash conversion — FCF is 20.2% of revenue

## Watch-outs

- None stand out in the data.

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $6.99B | $2.32B | $2.15B |
| FY2022 | $9.07B | $2.07B | $3.99B |
| FY2023 | $12.2B | $1.61B | $2.79B |
| FY2024 | $12.4B | $1.51B | $1.88B |
| FY2025 | $12.1B | $1.83B | $2.04B |

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Source: https://stockcv.com/CFG — derived from company filings; may be delayed or incomplete. Information, not investment advice.