CITIZENS FINANCIAL GROUP INC/RI CFG

Latest FY: 2025 Financial Services Banks - Regional
Market Price $69.64
Market Cap $29.43B
P/E Ratio 18.04
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑5.6% YoY
$8.25B
3-Yr CAGR: 0.9%
Net Income ↑21.3% YoY
$1.83B
Net Margin: 22.2%
Free Cash Flow ↑8.4% YoY
$2.04B
FCF Yield: 6.92%
EPS (Diluted) ↑27.4% YoY
$3.86
Basic: $3.90
Return on Equity Efficiency
7.0%
ROA: 0.8%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (CFG)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $5,255.0M $4,747.0M $1,045.0M $1.97 $0.46 1.29% $1,490.0M $1,490.0M
FY 2017 $5,707.0M +8.6% $4,960.0M $1,652.0M +58.1% $3.25 +65.0% $0.64 1.52% $1,883.0M $1,883.0M +26.4%
FY 2018 $6,128.0M +7.4% $4,902.0M $1,721.0M +4.2% $3.52 +8.3% $0.98 3.30% $1,767.0M $1,767.0M -6.2%
FY 2019 $6,491.0M +5.9% $4,916.0M $1,791.0M +4.1% $3.81 +8.2% $1.36 3.35% $1,697.0M $1,571.0M -11.1%
FY 2020 $6,905.0M +6.4% $6,134.0M $1,057.0M -41.0% $2.22 -41.7% $1.56 4.36% $111.0M $111.0M -92.9%
FY 2021 $6,647.0M -3.7% $6,308.0M $2,319.0M +119.4% $5.16 +132.4% $1.56 3.30% $2,275.0M $2,275.0M +1,949.5%
FY 2022 $8,021.0M +20.7% $6,973.0M $2,073.0M -10.6% $4.10 -20.5% $1.62 4.11% $4,119.0M $3,993.0M +75.5%
FY 2023 $8,224.0M +2.5% $4,261.0M $1,608.0M -22.4% $3.13 -23.7% $1.68 5.07% $2,961.0M $2,789.0M -30.2%
FY 2024 $7,809.0M -5.0% $3,256.0M $1,509.0M -6.2% $3.03 -3.2% $1.68 3.84% $2,001.0M $1,879.0M -32.6%
FY 2025 $8,247.0M +5.6% $4,437.0M $1,831.0M +21.3% $3.86 +27.4% $1.72 2.94% $2,211.0M $2,037.0M +8.4%
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Valuation

Market Price $69.64
Market Cap $29.43B
Enterprise Value $36.58B
P/E Ratio 18.04
P/B Ratio 1.12
FCF Yield 6.92%
Dividend Yield 2.47%
Shares Outstanding 422,677,700
%

Profitability & Margins

Gross Margin 53.80%
Operating Margin 28.23%
Net Margin 22.20%
Return on Equity (ROE) 6.96%
Return on Assets (ROA) 0.81%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 0.93%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.426
Debt / Assets 0.050
Cash & Equivalents $4.07B
Total Debt $11.22B
Book Value / Share $62.26
💧

Cash Flow Efficiency

Operating Cash Flow $2.21B
Capital Expenditures (CapEx) $174.00M
Free Cash Flow $2.04B
OCF / Revenue 26.81%
FCF / Revenue 24.70%
FCF 3-Yr CAGR -20.10%
🏷️

Per Share Metrics

EPS (Diluted) $3.86
EPS (Basic) $3.90
Dividends / Share $1.72
Book Value / Share $62.26
EPS YoY Growth 27.39%
🏛️

Balance Sheet (FY 2025)

Total Assets $226.35B
Total Liabilities $200.03B
Stockholders' Equity $26.32B
Current Assets N/A
Current Liabilities N/A