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

Citizens Financial Group Inc

$ 34.34 0 (0%)
Volume: 3,037,699 Avg Vol (1m): 4,139,146
Market Cap $: 15.74 Bil Enterprise Value $: 4.49 Bil
P/E (TTM): 9.36 P/B: 0.78
Earnings Power Value 19.79
Net Current Asset Value 0
Tangible Book 28.88
Projected FCF 69.01
Median P/S Value 38.57
Graham Number 48.84
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 3/10

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 ranked lower than
78.60% of 1617 companies
in the Banks - Regional - US industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
CFG: 0.22
Ranked among companies with meaningful Cash-To-Debt only.
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 ranked higher than
71.97% of 1627 companies
in the Banks - Regional - US industry.
Industry Max: 1, Med: 0.11, Min: -11.05
CFG: 0.13
Ranked among companies with meaningful Equity-to-Asset only.
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 ranked lower than
54.49% of 1393 companies
in the Banks - Regional - US industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
CFG: 0.55
Ranked among companies with meaningful Debt-to-Equity only.
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 ranked lower than
60.03% of 1416 companies
in the Banks - Regional - US industry.
Industry Max: 2306.11, Med: 1.79, Min: 0.01
CFG: 1.88
Ranked among companies with meaningful Debt-to-EBITDA only.
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 10.25%

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 ranked higher than
59.06% of 1639 companies
in the Banks - Regional - US industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
CFG: 28.33
Ranked among companies with meaningful Net Margin only.
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 ranked lower than
61.54% of 1638 companies
in the Banks - Regional - US industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
CFG: 8.41
Ranked among companies with meaningful ROE only.
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 ranked higher than
55.87% of 1645 companies
in the Banks - Regional - US industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
CFG: 1.12
Ranked among companies with meaningful ROA only.
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 ranked higher than
68.54% of 1513 companies
in the Banks - Regional - US industry.
Industry Max: 672.4, Med: 4.3, Min: -100
CFG: 12.5
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
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 ranked higher than
85.50% of 1359 companies
in the Banks - Regional - US industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
CFG: 31.4
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
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: 2019-07-19)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6022
Compare NYSE:FRC NYSE:KEY NYSE:RF NAS:HBAN NAS:SIVB NAS:FITB NYSE:CMA NYSE:MTB NAS:ZION NAS:SBNY XPTY:BGFG NAS:PBCT NAS:CBSH NYSE:CFR NAS:BOKF NYSE:SNV NAS:BPOP NYSE:CIT NYSE:PB 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) 9.36
PE Ratio ranked higher than
63.20% of 1557 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
CFG: 9.36
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 8.08, Med: 14.32, Max: 72.44
Current: 9.36
8.08
72.44
Forward PE Ratio 8.95
Forward P/E ranked higher than
68.58% of 487 companies
in the Banks - Regional - US industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
CFG: 8.95
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 9.36
PE without NRI ranked higher than
63.71% of 1532 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
CFG: 9.36
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 8.08, Med: 14.32, Max: 72.44
Current: 9.36
8.08
72.44
Price-to-Owner-Earnings 22.35
Price-to-Owner-Earnings ranked lower than
67.85% of 989 companies
in the Banks - Regional - US industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
CFG: 22.35
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 9.33, Med: 19.09, Max: 26.05
Current: 22.35
9.33
26.05
PB Ratio 0.78
PB Ratio ranked higher than
65.60% of 1651 companies
in the Banks - Regional - US industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
CFG: 0.78
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.51, Med: 0.79, Max: 1.15
Current: 0.78
0.51
1.15
PS Ratio 2.59
PS Ratio ranked higher than
50.88% of 1649 companies
in the Banks - Regional - US industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
CFG: 2.59
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 2.11, Med: 2.92, Max: 4.14
Current: 2.59
2.11
4.14
Price-to-Free-Cash-Flow 15.09
Price-to-Free-Cash-Flow ranked lower than
77.10% of 882 companies
in the Banks - Regional - US industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
CFG: 15.09
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 6.34, Med: 14.39, Max: 32.79
Current: 15.09
6.34
32.79
Price-to-Operating-Cash-Flow 10.61
Price-to-Operating-Cash-Flow ranked lower than
60.44% of 948 companies
in the Banks - Regional - US industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
CFG: 10.61
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 5.53, Med: 10.73, Max: 19.02
Current: 10.61
5.53
19.02
EV-to-Revenue 0.71
EV-to-Revenue ranked higher than
80.08% of 1325 companies
in the Banks - Regional - US industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
CFG: 0.71
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -1.5, Med: 0.85, Max: 2.1
Current: 0.71
-1.5
2.1

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 3.42
Trailing Dividend Yield ranked higher than
51.57% of 2587 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
CFG: 3.42
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.39, Med: 1.65, Max: 3.47
Current: 3.42
0.39
3.47
Dividend Payout Ratio 0.30
Dividend Payout Ratio ranked higher than
58.24% of 1420 companies
in the Banks - Regional - US industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
CFG: 0.3
Ranked among companies with meaningful Dividend Payout Ratio only.
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 ranked higher than
98.30% of 880 companies
in the Banks - Regional - US industry.
Industry Max: 228.7, Med: 6, Min: -100
CFG: 34.8
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
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 % 3.71
Forward Dividend Yield ranked higher than
57.50% of 2534 companies
in the Banks - Regional - US industry.
Industry Max: 98, Med: 3.16, Min: 0.01
CFG: 3.71
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 3.42
Yield-on-Cost (5y) ranked lower than
60.13% of 2561 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
CFG: 3.42
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 0.39, Med: 1.65, Max: 3.47
Current: 3.42
0.39
3.47
3-Year Share Buyback Rate 4.10
3-Year Share Buyback Rate ranked higher than
96.31% of 1137 companies
in the Banks - Regional - US industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
CFG: 4.1
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
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 1.19
Price-to-Tangible-Book ranked lower than
57.22% of 1669 companies
in the Banks - Regional - US industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
CFG: 1.19
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.81, Med: 1.13, Max: 1.58
Current: 1.19
0.81
1.58
Price-to-Projected-FCF 0.50
Price-to-Intrinsic-Value-Projected-FCF ranked higher than
64.09% of 958 companies
in the Banks - Regional - US industry.
Industry Max: 460, Med: 0.76, Min: 0.01
CFG: 0.5
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.44, Med: 0.56, Max: 0.65
Current: 0.5
0.44
0.65
Price-to-Median-PS-Value 0.89
Price-to-Median-PS-Value ranked higher than
54.79% of 1524 companies
in the Banks - Regional - US industry.
Industry Max: 186, Med: 1.02, Min: 0.03
CFG: 0.89
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.73, Med: 1, Max: 1.27
Current: 0.89
0.73
1.27
Price-to-Graham-Number 0.70
Price-to-Graham-Number ranked higher than
60.16% of 1476 companies
in the Banks - Regional - US industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
CFG: 0.7
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.63, Med: 0.93, Max: 1.79
Current: 0.7
0.63
1.79

More Statistics

Revenue (TTM) (Mil) $ 6,254
EPS (TTM) $ 3.67
Beta 1.72
Volatility % 34.96
52-Week Range $ 27.62 - 41.76
Shares Outstanding (Mil) 466.01

Analyst Estimate

Piotroski F-Score Details