Citizens Financial Group Inc.
CFG | NYSE
$63.82
-$1.42 (-2.18%)
At close: Oct 30, 2026, 3:59 PM ET
$63.81
-$0.01 (-0.02%)
After-hours:
Oct 30, 2026, 5:26 PM ET
Market Data
Market Cap $26.88B
Enterprise Value $-13.17B
Beta 1.06
Average Volume 4.2M
Shares Outstanding (Diluted) 425.66M
Shares Change YoY -2.25%
Institutional Ownership 98.12%
Exchange NYSE
ISIN US1746101054
Price Performance
Price Change 1M 0.1%
Price Change 3M -10.9%
Price Change 6M -0.9%
Price Change YTD 9.3%
Price Change 1Y 25.5%
Price Change 3Y 172.4%
Price Change 5Y 34.7%
1M CAGR (ann.) -4.1%
1Y CAGR (ann.) 30.2%
5Y CAGR (ann.) 9.4%
All-Time CAGR 13.6%
Valuation
PE Ratio 12.87
Forward PE 9.41
PEG Ratio 0.33
Forward PEG 0.33
PS Ratio 2.31
Forward PS 2.70
PB Ratio 1.07
P/FCF Ratio 11.42
P/Adj. FCF Ratio 12.08
P/OCF Ratio 25.84
EV/Sales -1.13
EV/EBIT -4.56
EV/EBITDA -4.10
EV/FCF -5.60
Earnings Yield 7.8%
FCF Yield 8.8%
Adj. FCF Yield 8.3%
Financial Health
Net Cash $40.05B
Total Debt $17.83B
Cash & Short-Term Investments $57.89B
Total Assets $234.46B
Current Ratio 0.32
Quick Ratio 0.32
Debt / Equity Ratio 0.71
Debt / EBITDA 5.56
Debt / FCF 7.58
OCF / Debt 0.14
Interest Coverage 0.80
Altman Z-Score -0.41
Piotroski F-Score 6
Margins & Profitability
Gross Profit Margin 73.3%
Operating Profit Margin 24.8%
EBITDA Margin 27.6%
Net Profit Margin 19.5%
FCF Margin 20.2%
Adj. FCF Margin 19.1%
SBC / Revenue 1.1%
SBC Impact (per share) -5.4%
Returns
Return on Assets 1.0%
Return on Equity 8.7%
Return on Invested Capital 4.6%
Return on Capital Employed 6.0%
Return on Tangible Assets 1.0%
Historical Growth (CAGR)
Revenue CAGR 3Y -0.4%
Revenue CAGR 5Y 10.7%
Revenue CAGR 10Y 7.6%
EPS CAGR 3Y 7.3%
EPS CAGR 5Y -0.1%
EPS CAGR 10Y 10.4%
FCF CAGR 3Y -24.9%
FCF CAGR 5Y 12.3%
FCF CAGR 10Y 7.5%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 18
EPS Growth Next 3Y 4.7%
Revenue Growth Next 3Y -14.7%
Earnings Date Jan 21, 2027
EPS Estimate (next Q) $1.48
EPS Growth Est (next Q) 31.0%
Revenue Est (next Q) $2.4B
Revenue Growth Est (next Q) 11.2%
Fair Value Estimates
Graham Number $81.66
Graham Upside 27.9%
Lynch Fair Value $24.80
Lynch Upside -61.1%
Price Target $77.42
Price Target Upside 21.3%
Cash Flow
Operating Cash Flow $2.5B
Free Cash Flow $2.35B
Adj. Free Cash Flow $2.23B
FCF Per Share $2.08
OCF Per Share $2.47
OCF/S Ratio 8.9%
Income Statement
Revenue $11.65B
Gross Profit $8.53B
Operating Income $2.89B
EBITDA $3.21B
Net Income $2.27B
EPS (Diluted) $4.96
Revenue / Employee $661.37K
Profit / Employee $128.8K
Employees 17,609
Dividends
Annual Dividend $1.90
Dividend Yield 2.98%
Payout Ratio 38.3%
FCF Payout Ratio 39.0%
Adj. FCF Payout Ratio 41.2%
Dividend Growth (YoY) 10.5%
Pay Frequency Quarterly
Ex-Dividend Date Oct 30, 2026
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