30 Year Financial Data of CIT Group Inc (NYSE:CIT)

CIT- NYSE (USA) Also traded in: Germany
CIT Group Inc

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$49.28

0.42(0.85%) Volume: 765,251 10:08PM EDT

Avg Vol (1m): 685,268

Warning! GuruFocus has detected 1 Severe Warning Sign with NYSE:CIT. Click here to check it out.

Market Cap : 4.75 B	Enterprise Value : 10.32 B	P/E (TTM) : 12.16	P/B : 0.90

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Also traded in: Germany

Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	7.70	12.80	35.30
EBITDA Growth (%)	N/A	N/A	N/A
Operating Income Growth (%)	N/A	N/A	N/A
EPS without NRI Growth (%)	N/A	N/A	151.30
Free Cash Flow Growth (%)	N/A	-1.70	153.90
Book Value Growth (%)	8.60	3.40	4.60

*12-month growth rate is calculated with the quarterly per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 6-year and 11-year annual numbers. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the growth rate you want.

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* All numbers are in millions except for per share data, ratios, and percentage data * All shares outstanding data and per share data are split adjusted * Empty lines (lines with only 0's) are hidden by default * Preliminary data is from the companies' press releases. 10-Q/K data is not available yet. Preliminary data is not used in the calculation of Ratios,Scores or Rankings * Financial Statement Template: Bank * Cash Flow from Operations Template: Indirect Method * For latest financial page display change, please click GuruFocus 30-Y Financials Page Item Changes

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Fiscal Period	Trend	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	TTM	Mar18	Jun18	Sep18	Dec18	Mar19
Per Share Data	Annuals (USD $)View: $ % YOY																	Quarterly

Revenue per Share													10.09	11.45	14.92	20.19	21.28	4.68	5.22	5.23	5.10	5.73
EBITDA per Share													--	--	--	--	--	--	--	--	--	--
EBIT per Share													--	--	--	--	--	--	--	--	--	--
Earnings per Share (Diluted)													5.55	-4.20	2.80	3.61	4.05	0.74	0.94	1.15	0.78	1.18
EPS without NRI													3.89	-0.90	1.52	3.82	4.20	0.79	1.11	1.13	0.78	1.18
Owner Earnings per Share (TTM)													-3.42	0.00	-16.45	--	--	-18.70	-17.96	--	--	--
Free Cash Flow per Share													6.38	11.92	3.26	8.27	8.48	0.97	3.00	1.68	2.77	1.05
Operating Cash Flow per Share													6.38	11.92	3.26	8.27	8.48	0.97	3.00	1.68	2.77	1.05
Dividends per Share													0.60	0.60	0.61	0.82	0.91	0.16	0.16	0.25	0.25	0.25
Book Value per Share													54.45	49.50	53.26	55.70	55.24	52.97	53.47	54.22	55.70	55.24
Tangible Book per Share													48.33	45.41	49.58	51.15	50.76	49.25	49.41	50.02	51.15	50.76
Total Debt per Share													81.34	73.91	68.32	80.45	65.00	81.28	76.40	78.45	80.45	65.00
Month End Stock Price													39.70	42.68	49.23	38.27	49.28	51.50	50.41	51.61	38.27	47.97

Ratios	AnnualsView: $ % YOY																	Quarterly
Fiscal Period		Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	TTM	Mar18	Jun18	Sep18	Dec18	Mar19

ROE %													10.33	-8.10	5.29	6.46	7.07	5.37	6.88	8.19	5.37	8.02
ROE % Adjusted to Book Value													14.15	-9.42	5.75	9.36	7.86	5.54	7.32	8.62	7.78	9.22
ROA %													1.79	-1.29	0.83	0.91	0.94	0.77	1.00	1.06	0.75	0.96
Return-on-Tangible-Equity													11.37	-8.98	5.73	6.95	7.63	5.75	7.39	8.83	5.80	8.69
Return-on-Tangible-Asset													1.82	-1.31	0.84	0.92	0.95	0.78	1.01	1.07	0.76	0.97
ROIC %													--	--	--	--	--	--	--	--	--	--
WACC %													7.94	7.65	9.02	12.10	10.51	9.23	9.86	10.95	12.10	13.65
Effective Interest Rate on Debt %													4.20	4.81	6.00	9.54	10.20	7.44	8.51	9.76	10.27	12.83

Net Interest Margin (Bank Only) %													2.57	3.40	3.19	2.92	2.89	3.02	3.00	2.88	2.84	2.90
Operating Margin %													--	--	--	--	--	--	--	--	--	--
Net Margin %													54.99	-36.70	19.14	18.64	19.86	15.76	19.49	22.04	17.13	20.54
FCF Margin %													63.27	104.15	21.84	40.96	40.69	20.65	57.45	32.01	54.24	18.24

Debt-to-Equity													1.49	1.49	1.23	1.37	1.11	1.47	1.36	1.37	1.37	1.11
Equity-to-Asset													0.16	0.16	0.15	0.12	0.12	0.14	0.13	0.13	0.12	0.12
Debt-to-Asset													0.24	0.23	0.18	0.17	0.13	0.20	0.18	0.18	0.17	0.13

Asset Turnover													0.03	0.04	0.04	0.05	0.05	0.01	0.01	0.01	0.01	0.01
Dividend Payout Ratio													0.15	--	0.40	0.22	0.22	0.20	0.14	0.22	0.32	0.21


Income Statement	Annual (USD $) View: $%/share% YOY																	Quarterly
Fiscal Period		Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	TTM	Mar18	Jun18	Sep18	Dec18	Mar19

Interest Income													1,435	1,895	1,825	1,877	1,937	448	470	474	479	514
Interest Expense													-731	-753	-718	-815	-870	-181	-205	-214	-216	-236
Net Interest Income (for Banks)													703	1,142	1,107	1,062	1,066	268	265	260	263	278
Non Interest Income													1,177	1,169	1,339	1,337	1,296	348	386	337	273	301
Revenue													1,880	2,310	2,446	2,399	2,362	616	651	597	536	579

Credit Losses Provision													159	195	115	171	135	69	33	38	31	33
Selling, General, & Admin. Expense													751	836	821	806	799	213	208	196	189	206
SpecialCharges													59	373	486	-21	-24	-13	5	-10	-2	-17
Other Noninterest Expense													726	886	834	806	803	202	200	202	202	199
Operating Income													--	--	--	--	--	--	--	--	--	--
Operating Margin %													--	--	--	--	--	--	--	--	--	--

Other Income (Expense)													186	21	192	637	649	145	205	171	117	157
Other Income (Minority Interest)													0	--	--	--	--	--	--	--	--	--
Pre-Tax Income													186	21	192	637	649	145	205	171	117	157
Tax Provision													538	-204	68	-165	-161	-41	-57	-41	-25	-38
Tax Rate %													-289.25	973.68	-35.39	25.89	24.87	28.48	28.04	24.19	21.36	24.08
Net Income (Continuing Operations)													724	-183	259	472	488	104	147	129	92	119
Net Income (Discontinued Operations)													310	-665	209	-25	-19	-7	-21	2	0	-0
Net Income													1,034	-848	468	447	469	97	127	132	92	119
Net Margin %													54.99	-36.70	19.14	18.64	19.86	15.76	19.49	22.04	17.13	20.54

Preferred Dividends													--	--	10	19	19	--	9	--	10	--
EPS (Basic)													5.57	-4.20	2.82	3.64	4.09	0.74	0.95	1.17	0.79	1.18
EPS (Diluted)													5.55	-4.20	2.80	3.61	4.05	0.74	0.94	1.15	0.78	1.18
Shares Outstanding (Diluted Average)													186.4	201.9	164.0	118.8	101.1	131.6	124.7	114.0	105.1	101.1

Depreciation, Depletion and Amortization													784	652	341	350	354	89	87	87	87	93
EBITDA

Balance Sheet	Annuals (USD $)View: $%/share% YOY																	Quarterly
Fiscal Period		Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Latest Q.	Mar18	Jun18	Sep18	Dec18	Mar19

Cash and cash equivalents													7,652	6,431	1,719	1,796	1,320	4,096	3,476	1,368	1,796	1,320
Money Market Investments													--	--	150	400	600	250	200	200	400	600
Net Loan													30,172	29,103	28,683	30,306	30,760	29,006	28,881	30,018	30,306	30,760
Securities & Investments													3,128	4,711	6,718	6,548	8,170	6,139	6,157	6,648	6,548	8,170
Accounts Receivable													--	--	--	--	--	--	--	--	--	--
Notes Receivable													--	--	--	--	--	--	--	--	--	--
Other Current Receivables													694	437	241	57	126	204	195	202	57	126
Total Receivables													694	437	241	57	126	204	195	202	57	126
Property, Plant and Equipment													196	191	174	160	189	178	173	171	160	189
Intangible Assets													1,229	826	483	459	453	477	471	465	459	453
Goodwill													1,063	685	370	370	370	370	370	370	370	370
Other Assets for Banks													24,320	22,471	11,112	8,812	9,163	11,193	10,303	10,191	8,812	9,163
Total Assets													67,392	64,170	49,279	48,537	50,782	51,543	49,855	49,262	48,537	50,782

Total Deposits													32,869	32,304	29,569	31,240	34,949	30,594	31,181	30,825	31,240	34,949
Accounts Payable & Accrued Expense													811	762	671	653	527	605	690	636	653	527
Current Portion of Long-Term Debt													--	--	--	--	--	--	--	--	--	--
Long-Term Debt & Capital Lease Obligation													16,350	14,936	8,974	8,119	6,571	10,437	8,860	8,674	8,119	6,571
Debt-to-Equity													1.49	1.49	1.23	1.37	1.11	1.47	1.36	1.37	1.37	1.11
Other Liabilities for Banks													6,416	6,166	2,744	2,579	2,825	2,780	2,599	2,807	2,579	2,825
Total Liabilities													56,447	54,167	41,959	42,591	44,872	44,416	43,329	42,942	42,591	44,872

Common Stock													2	2	2	2	2	2	2	2	2	2
Preferred Stock													--	--	325	325	325	325	325	325	325	325
Retained Earnings													2,524	1,553	1,907	1,924	2,018	1,983	2,079	2,182	1,924	2,018
Accumulated other comprehensive income (loss)													-142	-140	-87	-178	-125	-150	-176	-199	-178	-125
Additional Paid-In Capital													8,718	8,766	8,798	6,811	6,825	8,812	8,822	8,831	6,811	6,825
Treasury Stock													-157	-178	-3,625	-2,937	-3,135	-3,845	-4,527	-4,821	-2,937	-3,135
Other Stockholders Equity													--	0	-0	-0	-0	-0	--	-0	-0	--
Total Stockholders Equity													10,945	10,003	7,320	5,947	5,910	7,127	6,526	6,320	5,947	5,910
Minority Interest													1	0	--	--	--	--	--	--	--	--
Total Equity													10,945	10,003	7,320	5,947	5,910	7,127	6,526	6,320	5,947	5,910
Equity-to-Asset													0.16	0.16	0.15	0.12	0.12	0.14	0.13	0.13	0.12	0.12

Cashflow Statement	Annuals (USD $)View: $%/share% YOY																	Quarterly
Fiscal Period		Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	TTM	Mar18	Jun18	Sep18	Dec18	Mar19

Net Income													1,034	-848	468	447	469	97	127	132	92	119
Net Foreign Currency Exchange Gain													--	--	--	--	--	--	--	--	--	--
Net Income From Continuing Operations													1,034	-848	468	447	469	97	127	132	92	119
Depreciation, Depletion and Amortization													784	652	341	350	354	89	87	87	87	93
Change In Receivables													-99	337	-96	-57	-36	8	-21	-84	40	29
Change In Inventory													--	--	--	--	--	--	--	--	--	--
Change In Prepaid Assets													--	--	--	--	--	--	--	--	--	--
Change In Payables And Accrued Expense													--	--	--	--	--	--	--	--	--	--
Change In Working Capital													-243	827	-636	-201	-222	-139	-33	-100	70	-160
Change In DeferredTax													-573	979	-40	118	116	25	32	22	38	23
Stock Based Compensation													--	--	--	--	--	--	--	--	--	--
Cash Flow from Discontinued Operations													--	--	--	--	--	--	--	--	--	--
Cash Flow from Others													188	797	401	268	245	54	161	51	3	30
Cash Flow from Operations													1,190	2,406	534	983	961	127	374	191	291	106

Purchase Of Property, Plant, Equipment													--	--	--	--	--	--	--	--	--	--
Sale Of Property, Plant, Equipment													--	--	--	--	--	--	--	--	--	--
Purchase Of Business													--	--	--	--	--	--	--	--	--	--
Sale Of Business													2,521	--	10,026	1,065	--	--	--	--	--	--
Purchase Of Investment													-8,316	-4,941	-7,023	-3,021	-4,905	-662	-393	-1,074	-891	-2,546
Sale Of Investment													9,227	3,611	4,753	2,882	2,606	1,067	435	585	795	790
Net Intangibles Purchase And Sale													--	--	--	--	--	--	--	--	--	--
Cash From Discontinued Investing Activities													--	--	--	--	--	--	--	--	--	--
Cash From Other Investing Activities													-2,346	822	-691	-882	-228	-349	735	-946	743	-760
Cash Flow from Investing													1,085	-508	7,064	44	-2,527	55	777	-1,435	647	-2,515

Issuance of Stock													--	--	--	--	--	--	--	--	--	--
Repurchase of Stock													-532	--	-3,432	-1,627	-1,612	-195	-681	-291	-460	-180
Net Issuance of Preferred Stock													--	--	318	--	--	--	--	--	--	--
Net Issuance of Debt													-2,805	-2,551	-7,137	-787	-3,765	1,425	-1,596	-191	-424	-1,553
Cash Flow for Dividends													-115	-123	-114	-116	-120	-22	-30	-29	-36	-26
Other Financing													2,555	-297	-2,719	1,588	4,290	988	536	-354	417	3,690
Cash Flow from Financing													-896	-2,971	-13,083	-942	-1,207	2,197	-1,772	-864	-503	1,932

Effect of Exchange Rate Changes													-64	-35	16	-15	-14	1	-9	0	-6	2
Net Change in Cash													1,379	-1,073	-5,485	84	-2,772	2,379	-621	-2,109	435	-477
Capital Expenditure													--	--	--	--	--	--	--	--	--	--
Free Cash Flow													1,190	2,406	534	983	961	127	374	191	291	106

Valuation Ratios	AnnualsView: $ % YOY																	Quarterly
Fiscal Period		Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Current	Mar18	Jun18	Sep18	Dec18	Mar19


PE Ratio
Price-to-Owner-Earnings
PB Ratio
Price-to-Tangible-Book
Price-to-Free-Cash-Flow
Price-to-Operating-Cash-Flow
PS Ratio
PEG Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt) %
Forward Rate of Return (Yacktman) %
Shiller PE Ratio
Dividend Yield %

Valuation and Quality	AnnualsView: $ % YOY																	Quarterly
Fiscal Period		Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Current	Mar18	Jun18	Sep18	Dec18	Mar19


Market Cap
Enterprise Value
Month End Stock Price
Net Cash per Share
Net Current Asset Value
Net-Net Working Capital
Intrinsic Value: Projected FCF
Median PS Value
Peter Lynch Fair Value
Graham Number
Earnings Power Value (EPV)
Altman Z-Score
Piotroski F-Score
Beneish M-Score
Scaled Net Operating Assets
Sloan Ratio %
Current Ratio
Quick Ratio
Interest Coverage
Highest Stock Price
Lowest Stock Price
Shares Buyback Ratio %
Buyback Yield %
YoY Rev. per Sh. Growth
YoY EPS Growth
YoY EBITDA Growth
5-Year EBITDA Growth Rate
Shares Outstanding (Basic Average)
Shares Outstanding (EOP)
Beta
Filing Date

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