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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 0.30
CFG's Cash-to-Debt is ranked lower than
83% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CFG: 0.30 )
Ranked among companies with meaningful Cash-to-Debt only.
CFG' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.18  Med: 0.36 Max: N/A
Current: 0.3
Equity-to-Asset 0.13
CFG's Equity-to-Asset is ranked higher than
73% of the 1628 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: 0.14 Max: 0.16
Current: 0.13
0.13
0.16
Interest Coverage 2.99
CFG's Interest Coverage is ranked higher than
67% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. CFG: 2.99 )
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: 2.99
0.88
3.49
Beneish M-Score: -3.36
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 % 30.27
CFG's Operating Margin % is ranked lower than
54% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. CFG: 30.27 )
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: 30.27
Current: 30.27
-73.94
30.27
Net Margin % 21.13
CFG's Net Margin % is ranked lower than
56% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. CFG: 21.13 )
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: 21.13
Current: 21.13
-73.05
21.13
ROE % 5.64
CFG's ROE % is ranked lower than
72% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. CFG: 5.64 )
Ranked among companies with meaningful ROE % only.
CFG' s ROE % Range Over the Past 10 Years
Min: -15.82  Med: 4.5 Max: 5.64
Current: 5.64
-15.82
5.64
ROA % 0.78
CFG's ROA % is ranked lower than
58% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. CFG: 0.78 )
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: 0.78
-2.75
1.01
3-Year Revenue Growth Rate 6.20
CFG's 3-Year Revenue Growth Rate is ranked higher than
60% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 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 3 Warning Signs with Citizens Financial Group Inc $CFG.
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» CFG's 30-Y Financials

Financials (Next Earnings Date: 2017-10-21 Est.)


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

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:FITB, NYSE:RF, NYSE:FRC, NYSE:KEY, NAS:HBAN, NYSE:CMA, NYSE:MTB, NAS:SIVB, NYSE:STI, NAS:ZION, NAS:SBNY, NYSE:CIT, NAS:PBCT, NAS:OZRK, NYSE:CFR, NAS:CBSH, NAS:PACW, NAS:BOKF, NYSE:SNV, NYSE:WAL » details
Traded in other countries:1C5.Germany,
Headquarter Location:USA
Citizens Financial Group Inc is a retail bank holding company. It provides retail and commercial banking products and services. Its business segments include Consumer Banking and Commercial Banking.

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

Top Ranked Articles about Citizens Financial Group Inc

DEADLINE MONDAY: The Klein Law Firm Reminds Investors of Commencement of a Class Action Filed on Behalf of Citizens Financial Group, Inc. Shareholders and a Lead Plaintiff Deadline of June 26, 2017
DEADLINE ALERT - Bronstein, Gewirtz & Grossman, LLC Reminds Investors of Class Action Against Citizens Financial Group, Inc. (CFG) & Lead Plaintiff Deadline - June 26, 2017
CFG INVESTOR ALERT: The Law Offices of Vincent Wong Reminds Investors of a Class Action Involving Citizens Financial Group, Inc. and a Lead Plaintiff Deadline of June 26, 2017
DEADLINE ALERT: Brower Piven Reminds Investors Of Upcoming Deadline In Class Action Lawsuit And Encourages Investors With Losses In Excess of $100,000 From Investment In Citizens Financial Group, Inc. (NYSE:CFG) To Contact The Firm
SHAREHOLDER ALERT:  Pomerantz Law Firm Reminds Shareholders with Losses on their Investment in Citizens Financial Group, Inc. of Class Action Lawsuit and Upcoming Deadline – CFG
EQUITY ALERT: Rosen Law Firm Announces Filing of Securities Class Action Lawsuit Against Citizens Financial Group, Inc. - CFG
CFG LOSS ALERT: Rosen Law Firm Reminds Citizens Financial Group, Inc. Investors of Important Deadline in Class Action – CFG
INVESTOR ALERT: Lundin Law PC Announces a Securities Class Action Lawsuit against Citizens Financial Group, Inc. and Reminds Investors with Losses to Contact the Firm
IMPORTANT EQUITY ALERT: Khang & Khang LLP Announces a Securities Class Action Lawsuit against Citizens Financial Group, Inc. and Reminds Investors with Losses to Contact the Firm
CFG SHAREHOLDER ALERT: The Law Offices of Vincent Wong Reminds Investors of a Class Action Involving Citizens Financial Group, Inc. and a Lead Plaintiff Deadline of June 26, 2017

Ratios

vs
industry
vs
history
PE Ratio 16.29
CFG's PE Ratio is ranked lower than
57% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. CFG: 16.29 )
Ranked among companies with meaningful PE Ratio only.
CFG' s PE Ratio Range Over the Past 10 Years
Min: 11.7  Med: 17.04 Max: 40.38
Current: 16.29
11.7
40.38
Forward PE Ratio 14.71
CFG's Forward PE Ratio is ranked higher than
59% of the 384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.67 vs. CFG: 14.71 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 16.29
CFG's PE Ratio without NRI is ranked lower than
56% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. CFG: 16.29 )
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: 17.04 Max: 40.38
Current: 16.29
11.7
40.38
PB Ratio 0.93
CFG's PB Ratio is ranked higher than
69% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CFG: 0.93 )
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
Current: 0.93
0.51
1
PS Ratio 3.38
CFG's PS Ratio is ranked higher than
51% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. CFG: 3.38 )
Ranked among companies with meaningful PS Ratio only.
CFG' s PS Ratio Range Over the Past 10 Years
Min: 2.11  Med: 2.77 Max: 3.77
Current: 3.38
2.11
3.77
Price-to-Free-Cash-Flow 10.97
CFG's Price-to-Free-Cash-Flow is ranked higher than
54% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. CFG: 10.97 )
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: 12.3 Max: 32.79
Current: 10.97
6.34
32.79
Price-to-Operating-Cash-Flow 9.27
CFG's Price-to-Operating-Cash-Flow is ranked higher than
57% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. CFG: 9.27 )
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: 9.73 Max: 19.02
Current: 9.27
5.53
19.02
EV-to-EBIT 17.32
CFG's EV-to-EBIT is ranked lower than
65% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. CFG: 17.32 )
Ranked among companies with meaningful EV-to-EBIT only.
CFG' s EV-to-EBIT Range Over the Past 10 Years
Min: 13.9  Med: 17.1 Max: 20.6
Current: 17.32
13.9
20.6
EV-to-EBITDA 13.04
CFG's EV-to-EBITDA is ranked lower than
58% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. CFG: 13.04 )
Ranked among companies with meaningful EV-to-EBITDA only.
CFG' s EV-to-EBITDA Range Over the Past 10 Years
Min: 10.7  Med: 12.8 Max: 15.3
Current: 13.04
10.7
15.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.45
CFG's Dividend Yield % is ranked lower than
77% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. CFG: 1.45 )
Ranked among companies with meaningful Dividend Yield % only.
CFG' s Dividend Yield % Range Over the Past 10 Years
Min: 0.39  Med: 1.45 Max: 2.14
Current: 1.45
0.39
2.14
Dividend Payout Ratio 0.23
CFG's Dividend Payout Ratio is ranked higher than
79% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 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 % 1.61
CFG's Forward Dividend Yield % is ranked lower than
78% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. CFG: 1.61 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.45
CFG's 5-Year Yield-on-Cost % is ranked lower than
83% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. CFG: 1.45 )
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: 1.45 Max: 2.14
Current: 1.45
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 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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 1.42
CFG's Price-to-Tangible-Book is ranked lower than
55% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CFG: 1.42 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CFG' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.81  Med: 1.05 Max: 1.44
Current: 1.42
0.81
1.44
Price-to-Median-PS-Value 1.22
CFG's Price-to-Median-PS-Value is ranked lower than
58% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CFG: 1.22 )
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: 0.77  Med: 0.98 Max: 1.28
Current: 1.22
0.77
1.28
Price-to-Graham-Number 1.01
CFG's Price-to-Graham-Number is ranked lower than
53% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. CFG: 1.01 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CFG' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.65  Med: 0.99 Max: 1.34
Current: 1.01
0.65
1.34
Earnings Yield (Greenblatt) % 5.77
CFG's Earnings Yield (Greenblatt) % is ranked higher than
50% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. CFG: 5.77 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CFG' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.9  Med: 5.8 Max: 7.2
Current: 5.77
4.9
7.2

More Statistics

Revenue (TTM) (Mil) $5,405.00
EPS (TTM) $ 2.17
Short Percentage of Float1.90%
52-Week Range $18.34 - 39.75
Shares Outstanding (Mil)506.55

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 5,674 6,058 6,399
EPS ($) 2.38 2.78 3.02
EPS without NRI ($) 2.38 2.78 3.02
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.60 0.71 0.95
» More Articles for CFG

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