Citizens Financial Group, Inc. (CFG)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 6,905 | 6,647 | 8,021 | 8,224 | 7,794 | 7,338 | 7,817 | - |
| Operating profit | $m | 2,328 | 2,711 | ||||||
| Net profit | $m | 1,057 | 2,319 | 2,073 | 1,608 | 1,509 | 1,831 | 2,126 | 2,309 |
| EPS reported | $ | 3.86 | 4.60 | ||||||
| Operating cashflow per share | $ | 5.13 | 5.91 | ||||||
| Capex per share | $ | 0.40 | 0.35 | ||||||
| FCF per share | $ | 4.72 | 5.56 | ||||||
| Free cash flow | $m | 2,037 | 2,353 | ||||||
| Net debt | $m | -38,103 | 3,589 | ||||||
| Book value equity | $m | 26,317 | 26,183 | ||||||
| Book value per share | $ | 60.43 | 61.36 | ||||||
| Number of shares | m | 435.47 | 426.68 | ||||||
| DPS (TTM paid) | $ | 1.72 | 1.84 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 15.13 | 14.25 | ||||||
| P/B LTM | x | 0.96 | 0.96 | ||||||
| P/S LTM | x | 3.43 | 3.22 | ||||||
| P/FCF LTM | x | 12.37 | 10.71 | ||||||
| EV/EBITDA LTM | x | 8.82 | 7.53 | ||||||
| EV/Sales LTM | x | 2.13 | 2.92 | ||||||
| Earnings Yield LTM | % | +6.61% | +7.02% | ||||||
| FCF Yield | % | +8.08% | +9.34% | ||||||
| Quality | |||||||||
| ROE | % | +6.96% | +8.14% | ||||||
| ROIC | % | +4.25% | +0.91% | ||||||
| Operating margin | % | +20.88% | +23.64% | ||||||
| Gross margin | % | +69.75% | +72.37% | ||||||
| FCF/Sales | % | +18.27% | +20.52% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +27.39% | +51.82% | ||||||
| Sales Growth YoY | % | -5.85% | +0.30% | ||||||
| Net Income Growth YoY | % | +21.34% | +40.89% | ||||||
| FCF Growth | % | +8.41% | +25.23% | ||||||
| Operating Profit Growth | % | +23.31% | +43.59% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.52% | +2.60% | ||||||
| Dividend Growth | % | +2.38% | +9.52% | ||||||
| Payout Ratio | % | +52.83% | +46.16% | ||||||
| FCF/Debt | x | 0.18 | 0.14 | ||||||
| Net Debt/EBITDA | x | -0.54 | 1.14 | ||||||
| EBIT/Net interest | x | 0.61 | 0.74 | ||||||
| Net debt/market cap | % | +44.78% | +54.62% | ||||||
| Net debt/Equity | x | -1.45 | 0.14 | ||||||
| Gross debt/equity | x | 0.43 | 0.62 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive suite of retail and commercial banking solutions across the United States. It serves a broad spectrum of clients, from individual consumers and small enterprises to large corporations and various institutions. Its business is segmented into two primary divisions: Consumer Banking and Commercial Banking. The Consumer Banking division delivers a robust array of products, encompassing deposit accounts, mortgage and home equity lending, credit cards, and business loans for smaller entities. It also provides wealth management, investment services, and specialized financing for areas like auto, education, and point-of-sale purchases, alongside digital deposit solutions. Clients engage with this segment through contact centers and its advanced online and mobile banking platforms. Conversely, the Commercial Banking segment provides sophisticated financial solutions designed for corporate and institutional clients. These include a wide range of lending and leasing products, treasury and deposit management services, foreign exchange, and risk mitigation tools for interest rates and commodities. Additionally, it offers syndicated loans, corporate finance advice, merger and acquisition (M&A) assistance, and capital markets services for debt and equity. Its client roster spans numerous industries, such as government, non-profit, healthcare, technology, professional services, energy (oil and gas), asset and franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance. The company boasts a substantial physical presence, operating approximately 1,200 branches across 14 states and the District of Columbia. Complementing these are 114 non-branch retail and commercial offices in key national markets and a network of roughly 3,300 automated teller machines. Founded in 1828, Citizens Financial Group, Inc. is headquartered in Providence, Rhode Island. It adopted its current name in April 2014, having previously operated as RBS Citizens Financial Group, Inc.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Citizens Financial Group, Inc. (CFG)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive suite of retail and commercial banking solutions across the United States. It serves a broad spectrum of clients, from individual consumers and small enterprises to large corporations and various institutions. Its business is segmented into two primary divisions: Consumer Banking and Commercial Banking. The Consumer Banking division delivers a robust array of products, encompassing deposit accounts, mortgage and home equity lending, credit cards, and business loans for smaller entities. It also provides wealth management, investment services, and specialized financing for areas like auto, education, and point-of-sale purchases, alongside digital deposit solutions. Clients engage with this segment through contact centers and its advanced online and mobile banking platforms. Conversely, the Commercial Banking segment provides sophisticated financial solutions designed for corporate and institutional clients. These include a wide range of lending and leasing products, treasury and deposit management services, foreign exchange, and risk mitigation tools for interest rates and commodities. Additionally, it offers syndicated loans, corporate finance advice, merger and acquisition (M&A) assistance, and capital markets services for debt and equity. Its client roster spans numerous industries, such as government, non-profit, healthcare, technology, professional services, energy (oil and gas), asset and franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance. The company boasts a substantial physical presence, operating approximately 1,200 branches across 14 states and the District of Columbia. Complementing these are 114 non-branch retail and commercial offices in key national markets and a network of roughly 3,300 automated teller machines. Founded in 1828, Citizens Financial Group, Inc. is headquartered in Providence, Rhode Island. It adopted its current name in April 2014, having previously operated as RBS Citizens Financial Group, Inc.
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