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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.26
CFG's Cash-to-Debt is ranked lower than
84% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. CFG: 0.26 )
Ranked among companies with meaningful Cash-to-Debt only.
CFG' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.26  Med: 0.58 Max: N/A
Current: 0.26
Equity-to-Asset 0.13
CFG's Equity-to-Asset is ranked higher than
74% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CFG: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
CFG' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.13  Med: 0.15 Max: 0.19
Current: 0.13
0.13
0.19
Interest Coverage 3.02
CFG's Interest Coverage is ranked higher than
68% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. CFG: 3.02 )
Ranked among companies with meaningful Interest Coverage only.
CFG' s Interest Coverage Range Over the Past 10 Years
Min: 0.88  Med: 2.79 Max: 3.49
Current: 3.02
0.88
3.49
Beneish M-Score: -2.48
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating Margin % 29.19
CFG's Operating Margin % is ranked lower than
54% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. CFG: 29.19 )
Ranked among companies with meaningful Operating Margin % only.
CFG' s Operating Margin % Range Over the Past 10 Years
Min: -73.94  Med: 23.2 Max: 29.19
Current: 29.19
-73.94
29.19
Net Margin % 19.89
CFG's Net Margin % is ranked lower than
58% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. CFG: 19.89 )
Ranked among companies with meaningful Net Margin % only.
CFG' s Net Margin % Range Over the Past 10 Years
Min: -73.05  Med: 15.26 Max: 19.89
Current: 19.89
-73.05
19.89
ROE % 5.17
CFG's ROE % is ranked lower than
73% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. CFG: 5.17 )
Ranked among companies with meaningful ROE % only.
CFG' s ROE % Range Over the Past 10 Years
Min: -15.82  Med: 4.5 Max: 5.33
Current: 5.17
-15.82
5.33
ROA % 0.73
CFG's ROA % is ranked lower than
60% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CFG: 0.73 )
Ranked among companies with meaningful ROA % only.
CFG' s ROA % Range Over the Past 10 Years
Min: -2.75  Med: 0.68 Max: 1.01
Current: 0.73
-2.75
1.01
3-Year Revenue Growth Rate 6.20
CFG's 3-Year Revenue Growth Rate is ranked higher than
62% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. CFG: 6.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CFG' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0.8 Max: 6.2
Current: 6.2
0
6.2
GuruFocus has detected 4 Warning Signs with Citizens Financial Group Inc $CFG.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CFG's 10-Y Financials

Financials (Next Earnings Date: 2017-04-20 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

CFG Guru Trades in Q1 2016

Jim Simons 1,612,136 sh (New)
David Dreman 39,290 sh (New)
Charles Brandes 180,851 sh (+397.20%)
Robert Olstein 482,300 sh (+65.74%)
HOTCHKIS & WILEY 21,380,717 sh (+26.51%)
Caxton Associates 200,000 sh (+14.29%)
Paul Tudor Jones 20,100 sh (+6.87%)
Richard Pzena 2,091,046 sh (+0.80%)
Michael Price 120,000 sh (unchged)
Louis Moore Bacon Sold Out
RS Investment Management Sold Out
Chris Davis 10,968,201 sh (-6.79%)
Larry Robbins 906,128 sh (-69.34%)
Pioneer Investments 151,601 sh (-97.59%)
» More
Q2 2016

CFG Guru Trades in Q2 2016

Steven Cohen 5,500 sh (New)
Paul Tudor Jones 54,247 sh (+169.89%)
Michael Price 320,000 sh (+166.67%)
Robert Olstein 566,290 sh (+17.41%)
Charles Brandes 189,987 sh (+5.05%)
HOTCHKIS & WILEY 21,946,583 sh (+2.65%)
Pioneer Investments 155,576 sh (+2.62%)
Richard Pzena 2,095,671 sh (+0.22%)
David Dreman 39,341 sh (+0.13%)
Caxton Associates Sold Out
Larry Robbins Sold Out
Chris Davis 10,774,605 sh (-1.77%)
Jim Simons 30,200 sh (-98.13%)
» More
Q3 2016

CFG Guru Trades in Q3 2016

Alan Fournier 2,266,607 sh (New)
Caxton Associates 150,000 sh (New)
David Tepper 2,580,137 sh (New)
George Soros 50,500 sh (New)
Paul Tudor Jones 694,636 sh (+1180.51%)
Michael Price 350,000 sh (+9.38%)
Robert Olstein 601,540 sh (+6.22%)
Charles Brandes 192,537 sh (+1.34%)
Steven Cohen Sold Out
Jim Simons Sold Out
Richard Pzena 2,092,046 sh (-0.17%)
HOTCHKIS & WILEY 20,858,321 sh (-4.96%)
Pioneer Investments 147,263 sh (-5.34%)
David Dreman 37,241 sh (-5.34%)
Chris Davis 10,111,602 sh (-6.15%)
» More
Q4 2016

CFG Guru Trades in Q4 2016

Joel Greenblatt 9,669 sh (New)
Jim Simons 406,000 sh (New)
Caxton Associates 200,000 sh (+33.33%)
David Tepper 2,829,750 sh (+9.67%)
Charles Brandes 200,586 sh (+4.18%)
Pioneer Investments 147,263 sh (unchged)
Chris Davis Sold Out
George Soros 48,800 sh (-3.37%)
David Dreman 33,344 sh (-10.46%)
Richard Pzena 1,766,071 sh (-15.58%)
Michael Price 230,000 sh (-34.29%)
Alan Fournier 1,399,357 sh (-38.26%)
HOTCHKIS & WILEY 12,622,301 sh (-39.49%)
Robert Olstein 318,970 sh (-46.97%)
Paul Tudor Jones 224,100 sh (-67.74%)
» More
» Details

Insider Trades

Latest Guru Trades with CFG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NYSE:RF, NYSE:KEY, NAS:FITB, NYSE:FRC, NAS:HBAN, NYSE:CMA, NYSE:MTB, NAS:SIVB, NYSE:CIT, NAS:ZION, NYSE:STI, NAS:SBNY, NAS:PACW, NAS:OZRK, NAS:CBSH, NYSE:CFR, NYSE:WAL, NAS:BOKF, NYSE:SNV, NYSE:PB » details
Traded in other countries:1C5.Germany,
Citizens Financial Group Inc is a bank holding company. The Company, through its subsidiaries, provides retail and commercial banking products and services.

Citizens Financial Group is a retail bank holding company operating primarily in the New England, Mid-Atlantic, and Midwest regions of the United States. The bank operates through two segments: consumer and commercial banking. Citizens' strategy emphasizes differentiation through customer service. Net interest income is the largest source of the bank's net revenue. Most net interest income is derived from commercial loans, securities, home equity lines of credit, automobile loans, and residential mortgages. Some of CFG's higher-yielding products include credit cards, home equity loans, and other retail loans.

Guru Investment Theses on Citizens Financial Group Inc

David Einhorn Comments on Citizens Financial Group - Nov 19, 2015

Citizens Financial Group (NYSE:CFG), purchased at $22.36, sold at $26.28: Lowered 2016 guidance which defeated our thesis that there was upside to estimates.

From David Einhorn (Trades, Portfolio)'s third quarter 2015 Greenlight Capital shareholder commentary.

Check out David Einhorn latest stock trades

Ratios

vs
industry
vs
history
PE Ratio 17.38
CFG's PE Ratio is ranked lower than
68% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. CFG: 17.38 )
Ranked among companies with meaningful PE Ratio only.
CFG' s PE Ratio Range Over the Past 10 Years
Min: 11.7  Med: 17.52 Max: 40.38
Current: 17.38
11.7
40.38
Forward PE Ratio 15.13
CFG's Forward PE Ratio is ranked lower than
55% of the 526 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.33 vs. CFG: 15.13 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 17.38
CFG's PE Ratio without NRI is ranked lower than
65% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. CFG: 17.38 )
Ranked among companies with meaningful PE Ratio without NRI only.
CFG' s PE Ratio without NRI Range Over the Past 10 Years
Min: 11.7  Med: 17.52 Max: 40.38
Current: 17.38
11.7
40.38
PB Ratio 0.90
CFG's PB Ratio is ranked higher than
66% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CFG: 0.90 )
Ranked among companies with meaningful PB Ratio only.
CFG' s PB Ratio Range Over the Past 10 Years
Min: 0.51  Med: 0.69 Max: 1.01
Current: 0.9
0.51
1.01
PS Ratio 3.43
CFG's PS Ratio is ranked lower than
53% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. CFG: 3.43 )
Ranked among companies with meaningful PS Ratio only.
CFG' s PS Ratio Range Over the Past 10 Years
Min: 2.11  Med: 2.75 Max: 3.84
Current: 3.43
2.11
3.84
Price-to-Free-Cash-Flow 15.18
CFG's Price-to-Free-Cash-Flow is ranked lower than
64% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. CFG: 15.18 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CFG' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 6.34  Med: 13.05 Max: 32.79
Current: 15.18
6.34
32.79
Price-to-Operating-Cash-Flow 12.09
CFG's Price-to-Operating-Cash-Flow is ranked lower than
58% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. CFG: 12.09 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CFG' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.53  Med: 10.19 Max: 19.08
Current: 12.09
5.53
19.08
EV-to-EBIT 19.24
CFG's EV-to-EBIT is ranked lower than
75% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. CFG: 19.24 )
Ranked among companies with meaningful EV-to-EBIT only.
CFG' s EV-to-EBIT Range Over the Past 10 Years
Min: 13.9  Med: 17 Max: 21
Current: 19.24
13.9
21
EV-to-EBITDA 14.37
CFG's EV-to-EBITDA is ranked lower than
67% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. CFG: 14.37 )
Ranked among companies with meaningful EV-to-EBITDA only.
CFG' s EV-to-EBITDA Range Over the Past 10 Years
Min: 10.7  Med: 12.7 Max: 15.6
Current: 14.37
10.7
15.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.44
CFG's Dividend Yield % is ranked lower than
79% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. CFG: 1.44 )
Ranked among companies with meaningful Dividend Yield % only.
CFG' s Dividend Yield % Range Over the Past 10 Years
Min: 0.39  Med: 1.5 Max: 2.14
Current: 1.44
0.39
2.14
Dividend Payout Ratio 0.23
CFG's Dividend Payout Ratio is ranked higher than
81% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CFG: 0.23 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CFG' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.07  Med: 0.23 Max: 0.26
Current: 0.23
0.07
0.26
Forward Dividend Yield % 1.62
CFG's Forward Dividend Yield % is ranked lower than
79% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. CFG: 1.62 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.44
CFG's 5-Year Yield-on-Cost % is ranked lower than
82% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. CFG: 1.44 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CFG' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.39  Med: 1.5 Max: 2.14
Current: 1.44
0.39
2.14
3-Year Average Share Buyback Ratio 2.90
CFG's 3-Year Average Share Buyback Ratio is ranked higher than
93% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. CFG: 2.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CFG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 2  Med: 2.9 Max: 0
Current: 2.9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.39
CFG's Price-to-Tangible-Book is ranked lower than
58% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. CFG: 1.39 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CFG' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.1  Med: 1.1 Max: 1.44
Current: 1.39
1.1
1.44
Price-to-Median-PS-Value 1.25
CFG's Price-to-Median-PS-Value is ranked lower than
62% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CFG: 1.25 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CFG' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 1.02  Med: 1.07 Max: 1.3
Current: 1.25
1.02
1.3
Price-to-Graham-Number 1.04
CFG's Price-to-Graham-Number is ranked lower than
60% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. CFG: 1.04 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CFG' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.88  Med: 0.91 Max: 1.08
Current: 1.04
0.88
1.08
Earnings Yield (Greenblatt) % 5.20
CFG's Earnings Yield (Greenblatt) % is ranked lower than
56% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. CFG: 5.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CFG' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.8  Med: 5.9 Max: 7.2
Current: 5.2
4.8
7.2

More Statistics

Revenue (TTM) (Mil) $5,255
EPS (TTM) $ 1.97
Short Percentage of Float1.52%
52-Week Range $18.34 - 39.75
Shares Outstanding (Mil)509.32

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 5,588 5,937 6,274
EPS ($) 2.27 2.69 2.90
EPS without NRI ($) 2.27 2.69 2.90
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.60 0.67 0.95
» More Articles for CFG

Headlines

Articles On GuruFocus.com
Alan Fournier Invests in Leidos Holdings, Bank of America Dec 05 2016 
Robert Olstein Buys eBay, Visa and American Express Sep 14 2016 
Bob Olstein's Olstein Strategic Opportunities Fund 2nd Quarter Commentary Sep 01 2016 
Financial Stocks: The Leading Sector for September Aug 31 2016 
Hotchkis & Wiley Buys Morgan Stanley, Citigroup, AIG in 1st Quarter Jun 28 2016 
Olstein Strategic Opportunities Fund 1st Quarter Letter to Shareholders Jun 07 2016 
RS Investment Exits Position in Home Furnishings Company May 11 2016 
Pioneer Sells Most of Stakes in Bank of America, Express Scripts, Citizens Financial May 10 2016 
David Einhorn Buys Apple, Dillards and Sells Micron Technologies, Michael Kors Nov 27 2015 
David Einhorn Comments on Citizens Financial Group Nov 19 2015 

More From Other Websites
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CITIZENS FINANCIAL GROUP INC/RI Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 24 2017
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Citizens Financial (CFG) Up 9% Since Earnings Report: Can It Continue? Feb 20 2017
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