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Financial Services - Banks - Regional - NYSE - US
$ 18.55
-1.01 %
$ 8.11 B
Market Cap
3.93
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CFG-PE stock under the worst case scenario is HIDDEN Compared to the current market price of 18.6 USD, Citizens Financial Group, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CFG-PE stock under the base case scenario is HIDDEN Compared to the current market price of 18.6 USD, Citizens Financial Group, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CFG-PE stock under the best case scenario is HIDDEN Compared to the current market price of 18.6 USD, Citizens Financial Group, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CFG-PE

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$22.0$22.0$21.5$21.5$21.0$21.0$20.5$20.5$20.0$20.0$19.5$19.5$19.0$19.0$18.5$18.5$18.0$18.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
7.79 B REVENUE
-5.23%
1.83 B OPERATING INCOME
-9.85%
1.51 B NET INCOME
-6.16%
2 B OPERATING CASH FLOW
-32.42%
2.99 B INVESTING CASH FLOW
-43.08%
-6.02 B FINANCING CASH FLOW
15.61%
3.02 B REVENUE
58.80%
494 M OPERATING INCOME
5.11%
401 M NET INCOME
4.97%
483 M OPERATING CASH FLOW
271.54%
1.61 B INVESTING CASH FLOW
898.76%
-2.4 B FINANCING CASH FLOW
-109.68%
Balance Sheet Citizens Financial Group, Inc.
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Current Assets 11.2 B
Cash & Short-Term Investments 32.6 B
Receivables 1.03 B
Other Current Assets -22.4 B
Non-Current Assets 0
Long-Term Investments 0
PP&E 875 M
Other Non-Current Assets -875 M
290.25 %9.14 %Total Assets$11.2b
Current Liabilities 70.2 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 70.2 B
Non-Current Liabilities 0
Long-Term Debt 12.4 B
Other Non-Current Liabilities -12.4 B
100.00 %17.67 %Total Liabilities$70.2b
EFFICIENCY
Earnings Waterfall Citizens Financial Group, Inc.
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Revenue 7.79 B
Cost Of Revenue 0
Gross Profit 7.79 B
Operating Expenses 2.99 B
Operating Income 1.83 B
Other Expenses 321 M
Net Income 1.51 B
8b8b7b7b6b6b5b5b4b4b3b3b2b2b1b1b008b08b(3b)2b(321m)2bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
23.48% OPERATING MARGIN
23.48%
19.36% NET MARGIN
19.36%
6.22% ROE
6.22%
0.69% ROA
0.69%
-2.48% ROIC
-2.48%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Citizens Financial Group, Inc.
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4b4b4b4b3b3b3b3b2b2b2b2b1b1b500m500m00(500m)(500m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 1.51 B
Depreciation & Amortization 498 M
Capital Expenditures -122 M
Stock-Based Compensation 97 M
Change in Working Capital -571 M
Others 74 M
Free Cash Flow 1.88 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Citizens Financial Group, Inc.
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CFG-PE has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.17% DIVIDEND YIELD
0.312 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.400001.400001.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.31250.31250.31250.31250.31250.31250.31250.31250.31250.31250.31250.31250.31250.31250.31250.31250.236111.170.31251.250.31251.250.31251.250.31251.250.31250.630.0020192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 4
6. Ownership
Insider Ownership Citizens Financial Group, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
8. Profile Summary

Citizens Financial Group, Inc. CFG-PE

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 8.11 B
Dividend Yield 1.17%
Description Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.
Contact One Citizens Plaza, Providence, RI, 02903 https://www.citizensbank.com
IPO Date Oct. 22, 2019
Employees 17287
Officers Mr. John F. Woods Vice Chairman & Chief Financial Officer Mr. Bruce Winfield Van Saun Chief Executive Officer & Chairman of the Board