NYSE:CFG (USA) Also trade in: Germany UK

Citizens Financial Group Inc

$ 36.83 2.21 (6.38%)
Volume: 11,116,952 Avg Vol (1m): 4,023,679
Market Cap $: 16.88 Bil Enterprise Value $: 5.63 Bil
P/E (TTM): 10.03 P/B: 0.82
Earnings Power Value 19.79
Net Current Asset Value 0
Tangible Book 28.88
Projected FCF 69.01
Median P/S Value 38.5
Graham Number 48.84
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 3.4/10

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.
Current vs industry vs history
Cash-to-Debt 0.22
Cash-To-Debt range over the past 10 years
Min: 0.18, Med: 0.35, Max: 4.6
Current: 0.22
0.18
4.6
Equity-to-Asset 0.13
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
Debt-to-Equity 0.55
Debt-to-Equity range over the past 10 years
Min: 0.03, Med: 0.55, Max: 0.77
Current: 0.55
0.03
0.77
Debt-to-EBITDA 1.88
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 1.88
Current: 1.88
0
1.88
Beneish M-Score -2.33
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 9.99%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 28.33
Net Margin range over the past 10 years
Min: -73.05, Med: 17.39, Max: 28.95
Current: 28.33
-73.05
28.95
ROE % 8.41
ROE range over the past 10 years
Min: -15.82, Med: 5.23, Max: 8.41
Current: 8.41
-15.82
8.41
ROA % 1.12
ROA range over the past 10 years
Min: -2.75, Med: 0.73, Max: 1.12
Current: 1.12
-2.75
1.12
3-Year Total Revenue Growth Rate 8.30
3-Year Revenue Growth Rate range over the past 10 years
Min: -0.2, Med: 6.2, Max: 12.5
Current: 12.5
-0.2
12.5
3-Year EPS w/o NRI Growth Rate 31.40
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 19.7, Max: 31.4
Current: 31.4
0
31.4

» CFG's 30-Y Financials

Financials (Next Earnings Date: 2019-10-18)

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Business Description

Industry Banks » Banks    NAICS : 522110    SIC : 6022
Compare NYSE:FRC NYSE:RF NYSE:KEY NAS:HBAN NAS:FITB NAS:SIVB NYSE:CMA NYSE:MTB NAS:ZION XPTY:BGFG NAS:PBCT NAS:SBNY NAS:CBSH NYSE:CFR NYSE:SNV NAS:BOKF NAS:BPOP NYSE:CIT NAS:TFSL NAS:FCNCA
Traded in other countries 1C5.Germany 0HYP.UK
Address One Citizens Plaza, Providence, RI, USA, RI 02903
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.

Ratios

Current vs industry vs history
PE Ratio (TTM) 10.03
PE Ratio range over the past 10 years
Min: 8.08, Med: 14.28, Max: 72.44
Current: 10.03
8.08
72.44
Forward PE Ratio 9.66
N/A
PE Ratio without NRI 10.03
PE without NRI range over the past 10 years
Min: 8.08, Med: 14.28, Max: 72.44
Current: 10.03
8.08
72.44
Price-to-Owner-Earnings 23.98
Price-to-Owner-Earnings range over the past 10 years
Min: 9.33, Med: 19.2, Max: 26.05
Current: 23.98
9.33
26.05
PB Ratio 0.82
PB Ratio range over the past 10 years
Min: 0.51, Med: 0.79, Max: 1.15
Current: 0.82
0.51
1.15
PS Ratio 2.79
PS Ratio range over the past 10 years
Min: 2.11, Med: 2.92, Max: 4.14
Current: 2.79
2.11
4.14
Price-to-Free-Cash-Flow 16.17
Price-to-Free-Cash-Flow range over the past 10 years
Min: 6.34, Med: 14.56, Max: 32.79
Current: 16.17
6.34
32.79
Price-to-Operating-Cash-Flow 11.37
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 5.53, Med: 10.76, Max: 19.02
Current: 11.37
5.53
19.02
EV-to-Revenue 0.90
EV-to-Revenue range over the past 10 years
Min: -1.5, Med: 0.8, Max: 2.1
Current: 0.9
-1.5
2.1

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 3.20
Trailing Dividend Yield range over the past 10 years
Min: 0.39, Med: 1.67, Max: 3.44
Current: 3.2
0.39
3.44
Dividend Payout Ratio 0.30
Dividend Payout Ratio range over the past 10 years
Min: 0.07, Med: 0.23, Max: 0.3
Current: 0.3
0.07
0.3
3-Year Dividend Growth Rate (Per Share) 34.80
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 0, Max: 85.7
Current: 34.8
0
85.7
Forward Dividend Yield % 3.91
N/A
Yield-on-Cost (5-Year) % 3.21
Yield-on-Cost (5y) range over the past 10 years
Min: 0.39, Med: 1.67, Max: 3.44
Current: 3.21
0.39
3.44
3-Year Share Buyback Rate 4.10
3-Year Share Buyback Rate range over the past 10 years
Min: 0.8, Med: 2.9, Max: 4.1
Current: 4.1
0.8
4.1

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.28
Price-to-Tangible-Book range over the past 10 years
Min: 0.81, Med: 1.13, Max: 1.58
Current: 1.28
0.81
1.58
Price-to-Projected-FCF 0.53
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.44, Med: 0.56, Max: 0.65
Current: 0.53
0.44
0.65
Price-to-Median-PS-Value 0.96
Price-to-Median-PS-Value range over the past 10 years
Min: 0.73, Med: 1, Max: 1.27
Current: 0.96
0.73
1.27
Price-to-Graham-Number 0.75
Price-to-Graham-Number range over the past 10 years
Min: 0.63, Med: 0.93, Max: 1.79
Current: 0.75
0.63
1.79

More Statistics

Revenue (TTM) (Mil) $ 6,254
EPS (TTM) $ 3.67
Beta 1.62
Volatility % 35.96
52-Week Range $ 27.62 - 41.76
Shares Outstanding (Mil) 466.01

Analyst Estimate

Piotroski F-Score Details