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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$46.81

0(0%) Volume: 2,991,284 3:15AM EST

Avg Vol (1m): 1,098,369

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

Market Cap : 4.58 B	Enterprise Value : 9.74 B	P/E (TTM) : 9.77	P/B : 0.78

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Also traded in: Germany

Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	7.90	13.40	36.30
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	N/A	-61.60
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	Sep18	Dec18	Mar19	Jun19	Sep19
Per Share Data	Annuals (USD $)View: $ % YOY																	Quarterly

Revenue per Share													10.09	11.60	15.19	20.70	23.32	5.35	5.27	5.89	6.14	6.02
EBITDA per Share													--	--	--	--	--	--	--	--	--	--
EBIT per Share													--	--	--	--	--	--	--	--	--	--
Earnings per Share (Diluted)													5.55	-4.20	2.80	3.61	4.79	1.15	0.78	1.18	1.33	1.50
EPS without NRI													3.89	-0.90	1.52	3.82	4.78	1.13	0.78	1.18	1.32	1.50
Owner Earnings per Share (TTM)													-6.04	-3.41	-14.79	-10.57	-9.65	-14.68	-10.57	-9.73	-10.94	-9.65
Free Cash Flow per Share													-10.19	2.67	-1.58	2.75	0.68	0.22	1.01	0.03	-0.86	0.50
Operating Cash Flow per Share													6.38	11.92	3.26	8.27	7.09	1.68	2.77	1.05	0.89	2.39
Dividends per Share													0.60	0.60	0.61	0.82	1.20	0.25	0.25	0.25	0.35	0.35
Book Value per Share													54.45	49.50	53.25	55.70	60.27	54.22	55.70	57.05	59.01	60.27
Tangible Book per Share													48.33	45.41	49.58	51.15	55.60	50.02	51.15	52.42	54.29	55.60
Total Debt per Share													81.34	73.91	68.32	80.45	70.36	78.45	80.45	69.71	69.36	70.36
Month End Stock Price													39.70	42.68	49.23	38.27	46.81	51.61	38.27	47.97	52.54	45.31

Ratios	AnnualsView: $ % YOY																	Quarterly
Fiscal Period		Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	TTM	Sep18	Dec18	Mar19	Jun19	Sep19

ROE %													10.33	-8.10	5.29	6.46	7.84	8.19	5.37	8.02	8.67	9.56
ROE % Adjusted to Book Value													14.15	-9.42	5.75	9.36	10.18	8.62	7.78	9.55	9.74	12.75
ROA %													1.79	-1.29	0.83	0.91	0.98	1.06	0.75	0.96	1.09	1.12
Return-on-Tangible-Equity													11.37	-8.98	5.73	6.95	8.47	8.83	5.80	8.69	9.39	10.33
Return-on-Tangible-Asset													1.82	-1.31	0.84	0.92	0.99	1.07	0.76	0.97	1.10	1.13
ROIC %													--	--	--	--	--	--	--	--	--	--
WACC %													7.94	7.65	9.02	12.10	10.39	10.95	12.10	13.64	11.15	10.74
Effective Interest Rate on Debt %													4.20	4.81	6.00	9.54	12.72	9.76	10.27	12.61	14.49	14.74

Net Interest Margin (Bank Only) %													2.57	3.40	3.19	2.92	2.82	2.85	2.94	2.90	2.77	2.65
Operating Margin %													--	--	--	--	--	--	--	--	--	--
Net Margin %													54.99	-36.23	18.81	18.19	21.23	21.55	16.58	19.97	23.25	24.96
FCF Margin %													-100.98	23.05	-10.41	13.30	3.17	4.10	19.07	0.54	-14.01	8.30

Debt-to-Equity													1.49	1.49	1.23	1.37	1.11	1.37	1.37	1.16	1.11	1.11
Equity-to-Asset													0.16	0.16	0.15	0.12	0.12	0.13	0.12	0.12	0.12	0.12
Debt-to-Asset													0.24	0.23	0.18	0.17	0.13	0.18	0.17	0.13	0.13	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	0.25	0.22	0.32	0.21	0.27	0.23


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	Sep18	Dec18	Mar19	Jun19	Sep19

Interest Income													1,435	1,895	1,825	1,877	2,017	471	488	514	513	502
Interest Expense													-731	-753	-718	-815	-938	-214	-216	-236	-243	-244
Net Interest Income (for Banks)													703	1,142	1,107	1,062	1,079	257	272	278	271	258
Non Interest Income													1,177	1,199	1,383	1,396	1,234	353	282	317	321	314
Revenue													1,880	2,341	2,490	2,458	2,313	610	554	595	592	572

Credit Losses Provision													159	195	115	171	119	38	31	33	29	27
Selling, General, & Admin. Expense													751	836	821	806	789	196	189	206	195	199
SpecialCharges													59	403	529	39	31	4	16	0	0	15
Other Noninterest Expense													726	886	834	806	813	202	202	199	198	215
Operating Income													--	--	--	--	--	--	--	--	--	--
Operating Margin %													--	--	--	--	--	--	--	--	--	--

Other Income (Expense)													186	21	192	637	561	171	117	157	170	117
Other Income (Minority Interest)													0	--	--	--	--	--	--	--	--	--
Pre-Tax Income													186	21	192	637	561	171	117	157	170	117
Tax Provision													538	-204	68	-165	-70	-41	-25	-38	-33	26
Tax Rate %													-289.25	973.68	-35.39	25.89	12.50	24.19	21.36	24.08	19.62	-22.26
Net Income (Continuing Operations)													724	-183	259	472	491	129	92	119	137	143
Net Income (Discontinued Operations)													310	-665	209	-25	3	2	0	-0	1	--
Net Income													1,034	-848	468	447	491	132	92	119	138	143
Net Margin %													54.99	-36.23	18.81	18.19	21.23	21.55	16.58	19.97	23.25	24.96

Preferred Dividends													--	--	10	19	19	--	10	--	9	--
EPS (Basic)													5.57	-4.20	2.82	3.64	4.81	1.17	0.79	1.18	1.33	1.51
EPS (Diluted)													5.55	-4.20	2.80	3.61	4.79	1.15	0.78	1.18	1.33	1.50
Shares Outstanding (Diluted Average)													186.4	201.9	164.0	118.8	95.0	114.0	105.1	101.1	96.5	95.0

Depreciation, Depletion and Amortization													784	607	296	311	312	78	80	79	77	76
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.	Sep18	Dec18	Mar19	Jun19	Sep19

Cash and cash equivalents													7,652	6,431	1,719	1,796	1,825	1,368	1,796	1,320	1,672	1,825
Money Market Investments													--	--	150	400	2,000	200	400	600	850	2,000
Net Loan													30,172	29,103	28,683	30,306	30,859	30,018	30,306	30,760	30,835	30,859
Securities & Investments													3,128	4,711	6,718	6,548	6,466	6,648	6,548	8,170	6,933	6,466
Accounts Receivable													--	--	--	--	--	--	--	--	--	--
Notes Receivable													--	--	--	--	--	--	--	--	--	--
Other Current Receivables													1,906	639	447	194	437	386	194	249	345	437
Total Receivables													1,906	639	447	194	437	386	194	249	345	437
Property, Plant and Equipment													7,048	7,677	6,913	7,131	7,458	7,060	7,131	7,381	7,446	7,458
Intangible Assets													1,229	826	483	459	442	465	459	453	448	442
Goodwill													1,063	685	370	370	370	370	370	370	370	370
Other Assets for Banks													16,256	14,783	4,168	1,705	1,917	3,118	1,705	1,849	2,029	1,917
Total Assets													67,392	64,170	49,279	48,537	51,403	49,262	48,537	50,782	50,558	51,403

Total Deposits													32,869	32,304	29,569	31,240	35,910	30,825	31,240	34,949	35,324	35,910
Accounts Payable & Accrued Expense													1,025	1,012	876	760	705	865	760	666	734	705
Short-Term Debt & Capital Lease Obligation													--	--	--	--	--	--	--	--	--	--
Long-Term Debt & Capital Lease Obligation													16,350	14,936	8,974	8,119	6,664	8,674	8,119	6,824	6,572	6,664
Debt-to-Equity													1.49	1.49	1.23	1.37	1.11	1.37	1.37	1.16	1.11	1.11
Other Liabilities for Banks													6,202	5,915	2,539	2,472	2,090	2,578	2,472	2,433	2,012	2,090
Total Liabilities													56,447	54,167	41,959	42,591	45,370	42,942	42,591	44,872	44,642	45,370

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	2,220	2,182	1,924	2,018	2,111	2,220
Accumulated other comprehensive income (loss)													-142	-140	-87	-178	-65	-199	-178	-125	-65	-65
Additional Paid-In Capital													8,718	8,766	8,798	6,811	6,848	8,831	6,811	6,825	6,836	6,848
Treasury Stock													-157	-178	-3,625	-2,937	-3,297	-4,821	-2,937	-3,135	-3,293	-3,297
Other Stockholders Equity													--	0	-0	-0	-0	-0	-0	--	--	-0
Total Stockholders Equity													10,945	10,003	7,320	5,947	6,034	6,320	5,947	5,910	5,916	6,034
Minority Interest													1	0	--	--	--	--	--	--	--	--
Total Equity													10,945	10,003	7,320	5,947	6,034	6,320	5,947	5,910	5,916	6,034
Equity-to-Asset													0.16	0.16	0.15	0.12	0.12	0.13	0.12	0.12	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	Sep18	Dec18	Mar19	Jun19	Sep19

Net Income From Continuing Operations													1,034	-848	468	447	491	132	92	119	138	143
Depreciation, Depletion and Amortization													784	607	296	311	312	78	80	79	77	76
Change In Receivables													-99	337	-96	-57	27	-84	40	29	-94	52
Change In Inventory													--	--	--	--	--	--	--	--	--	--
Change In Prepaid Assets													--	--	--	--	--	--	--	--	--	--
Change In Payables And Accrued Expense													--	--	--	--	--	--	--	--	--	--
Change In Working Capital													-243	827	-636	-201	-324	-100	70	-160	-177	-57
Change In DeferredTax													-573	979	-40	118	81	22	38	23	16	4
Stock Based Compensation													--	45	45	39	43	9	8	14	10	11
Asset Impairment Charge													15	358	256	--	--	--	--	--	--	--
Cash from Discontinued Operating Activities													--	--	--	--	--	--	--	--	--	--
Cash Flow from Others													173	438	145	268	107	51	3	30	23	51
Cash Flow from Operations													1,190	2,406	534	983	709	191	291	106	86	227

Purchase Of Property, Plant, Equipment													-3,089	-1,867	-793	-656	-636	-166	-185	-102	-169	-180
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	-10,971	-1,074	-891	-2,546	-2,467	-5,067
Sale Of Investment													9,227	3,611	4,753	2,882	9,606	585	795	790	3,552	4,470
Net Intangibles Purchase And Sale													--	--	--	--	--	--	--	--	--	--
Cash From Discontinued Investing Activities													--	--	--	--	--	--	--	--	--	--
Cash From Other Investing Activities													742	2,689	102	-227	-223	-780	928	-657	-538	44
Cash Flow from Investing													1,085	-508	7,064	44	-2,224	-1,435	647	-2,515	378	-733

Issuance of Stock													--	--	--	--	--	--	--	--	--	--
Repurchase of Stock													-532	--	-3,432	-1,627	-800	-291	-460	-180	-158	-3
Net Issuance of Preferred Stock													--	--	318	--	--	--	--	--	--	--
Net Issuance of Debt													-2,805	-2,551	-7,137	-787	-2,141	-191	-424	-1,553	-253	89
Cash Flow for Dividends													-115	-123	-114	-116	-139	-29	-36	-26	-44	-34
Other Financing													2,555	-297	-2,719	1,588	5,060	-354	417	3,690	343	610
Cash Flow from Financing													-896	-2,971	-13,083	-942	1,980	-864	-503	1,932	-112	662

Effect of Exchange Rate Changes													-64	-35	16	-15	-8	0	-6	2	1	-4
Net Change in Cash													1,315	-1,108	-5,469	69	457	-2,109	428	-475	352	152
Capital Expenditure													-3,089	-1,867	-793	-656	-636	-166	-185	-102	-169	-180
Free Cash Flow													-1,899	540	-259	327	73	25	106	3	-83	48

Valuation Ratios	AnnualsView: $ % YOY																	Quarterly
Fiscal Period		Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Current	Sep18	Dec18	Mar19	Jun19	Sep19


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	Sep18	Dec18	Mar19	Jun19	Sep19


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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