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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 : 3/10

vs
industry
vs
history
Cash-to-Debt 0.29
CFG's Cash-to-Debt is ranked lower than
77% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. CFG: 0.29 )
Ranked among companies with meaningful Cash-to-Debt only.
CFG' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.16  Med: 0.3 Max: 2.67
Current: 0.29
0.16
2.67
Equity-to-Asset 0.13
CFG's Equity-to-Asset is ranked higher than
72% of the 1386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 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
Debt-to-Equity 0.67
CFG's Debt-to-Equity is ranked higher than
52% of the 1222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.72 vs. CFG: 0.67 )
Ranked among companies with meaningful Debt-to-Equity only.
CFG' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05  Med: 0.61 Max: 0.76
Current: 0.67
0.05
0.76
Debt-to-EBITDA 2.31
CFG's Debt-to-EBITDA is ranked lower than
57% of the 1236 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.99 vs. CFG: 2.31 )
Ranked among companies with meaningful Debt-to-EBITDA only.
CFG' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 2.31
Beneish M-Score: -3.30
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
Net Margin % 30.98
CFG's Net Margin % is ranked higher than
73% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 23.34 vs. CFG: 30.98 )
Ranked among companies with meaningful Net Margin % only.
CFG' s Net Margin % Range Over the Past 10 Years
Min: -72.92  Med: 17.37 Max: 28.95
Current: 30.98
-72.92
28.95
ROE % 8.98
CFG's ROE % is ranked higher than
53% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.73 vs. CFG: 8.98 )
Ranked among companies with meaningful ROE % only.
CFG' s ROE % Range Over the Past 10 Years
Min: -15.82  Med: 4.87 Max: 8.19
Current: 8.98
-15.82
8.19
ROA % 1.20
CFG's ROA % is ranked higher than
69% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CFG: 1.20 )
Ranked among companies with meaningful ROA % only.
CFG' s ROA % Range Over the Past 10 Years
Min: -2.75  Med: 0.71 Max: 1.09
Current: 1.2
-2.75
1.09
3-Year Revenue Growth Rate 8.30
CFG's 3-Year Revenue Growth Rate is ranked higher than
70% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. CFG: 8.30 )
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: -0.3  Med: 3.4 Max: 8.3
Current: 8.3
-0.3
8.3
3-Year EPS without NRI Growth Rate 28.00
CFG's 3-Year EPS without NRI Growth Rate is ranked higher than
87% of the 1163 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.80 vs. CFG: 28.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CFG' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 5.25 Max: 28
Current: 28
0
28
GuruFocus has detected 2 Warning Signs with Citizens Financial Group Inc CFG.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CFG's 30-Y Financials

Financials (Next Earnings Date: 2019-01-19 Est.)


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

» Details

Guru Trades

Q3 2017

CFG Guru Trades in Q3 2017

John Hussman 50,000 sh (New)
Steven Cohen 500,395 sh (+927.51%)
Jim Simons 1,922,600 sh (+214.36%)
Lee Ainslie 96,730 sh (+42.46%)
HOTCHKIS & WILEY 11,470,644 sh (+13.95%)
Robert Olstein 331,030 sh (+3.79%)
Richard Pzena 1,560,442 sh (unchged)
Pioneer Investments 109,657 sh (unchged)
Caxton Associates 12,900 sh (unchged)
Joel Greenblatt 11,717 sh (-0.10%)
David Dreman 20,002 sh (-16.67%)
Michael Price 175,000 sh (-23.91%)
Charles Brandes 46,576 sh (-27.39%)
» More
Q4 2017

CFG Guru Trades in Q4 2017

Caxton Associates 350,000 sh (+2613.18%)
Pioneer Investments 853,773 sh (+678.59%)
Lee Ainslie 150,420 sh (+55.51%)
David Dreman 28,932 sh (+44.65%)
Michael Price 175,000 sh (unchged)
John Hussman Sold Out
Charles Brandes Sold Out
Jim Simons 1,778,000 sh (-7.52%)
Robert Olstein 286,180 sh (-13.55%)
HOTCHKIS & WILEY 9,473,792 sh (-17.41%)
Joel Greenblatt 9,508 sh (-18.85%)
Steven Cohen 293,500 sh (-41.35%)
Richard Pzena 736,038 sh (-52.83%)
» More
Q1 2018

CFG Guru Trades in Q1 2018

Jeremy Grantham 157,700 sh (New)
Paul Tudor Jones 18,271 sh (New)
Lee Ainslie 201,280 sh (+33.81%)
Michael Price Sold Out
Caxton Associates Sold Out
Richard Pzena 735,799 sh (-0.03%)
Pioneer Investments 817,448 sh (-4.25%)
Steven Cohen 260,653 sh (-11.19%)
David Dreman 25,586 sh (-11.57%)
Joel Greenblatt 7,857 sh (-17.36%)
HOTCHKIS & WILEY 7,632,054 sh (-19.44%)
Robert Olstein 198,600 sh (-30.60%)
Jim Simons 934,500 sh (-47.44%)
» More
Q2 2018

CFG Guru Trades in Q2 2018

Caxton Associates 10,860 sh (New)
David Tepper 1,257,694 sh (New)
Paul Tudor Jones 93,496 sh (+411.72%)
Steven Cohen 1,127,049 sh (+332.39%)
Jim Simons 1,692,700 sh (+81.13%)
Jeremy Grantham 217,754 sh (+38.08%)
Robert Olstein 257,000 sh (+29.41%)
Joel Greenblatt Sold Out
HOTCHKIS & WILEY 7,581,182 sh (-0.67%)
Lee Ainslie 172,410 sh (-14.34%)
Pioneer Investments 627,798 sh (-23.20%)
Richard Pzena 25,992 sh (-96.47%)
» More
» Details

Insider Trades

Latest Guru Trades with NYSE:CFG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
HOTCHKIS & WILEY 2018-06-30 Reduce -0.67%0.01%$38.9 - $43.24 $ 36.37-13%7,581,182
David Tepper 2018-06-30 New Buy0.56%$38.9 - $43.24 $ 36.37-13%1,257,694
Robert Olstein 2018-06-30 Add 29.41%0.3%$38.9 - $43.24 $ 36.37-13%257,000
Richard Pzena 2018-06-30 Reduce -96.47%0.15%$38.9 - $43.24 $ 36.37-13%25,992
Joel Greenblatt 2018-06-30 Sold Out $38.9 - $43.24 $ 36.37-13%0
HOTCHKIS & WILEY 2018-03-31 Reduce -19.44%0.29%$41.27 - $47.87 $ 36.37-19%7,632,054
Richard Pzena 2018-03-31 Reduce -0.03%$41.27 - $47.87 $ 36.37-19%735,799
Robert Olstein 2018-03-31 Reduce -30.60%0.47%$41.27 - $47.87 $ 36.37-19%198,600
David Dreman 2018-03-31 Reduce -11.57%0.08%$41.27 - $47.87 $ 36.37-19%25,586
Joel Greenblatt 2018-03-31 Reduce -17.36%$41.27 - $47.87 $ 36.37-19%7,857
Michael Price 2018-03-31 Sold Out 0.91%$41.27 - $47.87 $ 36.37-19%0
HOTCHKIS & WILEY 2017-12-31 Reduce -17.41%0.3%$36.57 - $42.63 $ 36.37-7%9,473,792
Richard Pzena 2017-12-31 Reduce -52.83%0.16%$36.57 - $42.63 $ 36.37-7%736,038
Robert Olstein 2017-12-31 Reduce -13.55%0.22%$36.57 - $42.63 $ 36.37-7%286,180
David Dreman 2017-12-31 Add 44.65%0.21%$36.57 - $42.63 $ 36.37-7%28,932
Joel Greenblatt 2017-12-31 Reduce -18.85%$36.57 - $42.63 $ 36.37-7%9,508
Charles Brandes 2017-12-31 Sold Out 0.04%$36.57 - $42.63 $ 36.37-7%0
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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NYSE:RF, NYSE:KEY, NAS:FITB, NAS:HBAN, NYSE:CMA, NAS:SIVB, NYSE:FRC, NYSE:MTB, NAS:ZION, NYSE:STI, XPTY:BGFG, NYSE:CFR, NAS:SBNY, NYSE:CIT, NAS:CBSH, NAS:BOKF, NAS:PACW, NAS:PBCT, NYSE:WAL, NYSE:SNV » 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.

Ratios

vs
industry
vs
history
PE Ratio 9.91
CFG's PE Ratio is ranked higher than
69% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. CFG: 9.91 )
Ranked among companies with meaningful PE Ratio only.
CFG' s PE Ratio Range Over the Past 10 Years
Min: 9.84  Med: 15.32 Max: 72.44
Current: 9.91
9.84
72.44
Forward PE Ratio 9.57
CFG's Forward PE Ratio is ranked higher than
67% of the 464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. CFG: 9.57 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 9.91
CFG's PE Ratio without NRI is ranked higher than
69% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. CFG: 9.91 )
Ranked among companies with meaningful PE Ratio without NRI only.
CFG' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.84  Med: 15.32 Max: 72.44
Current: 9.91
9.84
72.44
Price-to-Owner-Earnings 8.66
CFG's Price-to-Owner-Earnings is ranked higher than
71% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.15 vs. CFG: 8.66 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CFG' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.6  Med: 18.83 Max: 25.78
Current: 8.66
8.6
25.78
PB Ratio 0.88
CFG's PB Ratio is ranked higher than
64% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. CFG: 0.88 )
Ranked among companies with meaningful PB Ratio only.
CFG' s PB Ratio Range Over the Past 10 Years
Min: 0.51  Med: 0.76 Max: 1.15
Current: 0.88
0.51
1.15
PS Ratio 3.04
CFG's PS Ratio is ranked higher than
51% of the 1373 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. CFG: 3.04 )
Ranked among companies with meaningful PS Ratio only.
CFG' s PS Ratio Range Over the Past 10 Years
Min: 2.11  Med: 3.07 Max: 4.14
Current: 3.04
2.11
4.14
Price-to-Free-Cash-Flow 8.01
CFG's Price-to-Free-Cash-Flow is ranked higher than
67% of the 754 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. CFG: 8.01 )
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: 13.6 Max: 32.79
Current: 8.01
6.34
32.79
Price-to-Operating-Cash-Flow 6.50
CFG's Price-to-Operating-Cash-Flow is ranked higher than
67% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.07 vs. CFG: 6.50 )
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: 10.59 Max: 19.02
Current: 6.5
5.53
19.02
EV-to-Revenue 4.67
CFG's EV-to-Revenue is ranked lower than
55% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.50 vs. CFG: 4.67 )
Ranked among companies with meaningful EV-to-Revenue only.
CFG' s EV-to-Revenue Range Over the Past 10 Years
Min: 3.6  Med: 4.9 Max: 5.8
Current: 4.67
3.6
5.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.45
CFG's Dividend Yield % is ranked lower than
61% of the 2530 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CFG: 2.45 )
Ranked among companies with meaningful Dividend Yield % only.
CFG' s Dividend Yield % Range Over the Past 10 Years
Min: 0.39  Med: 1.54 Max: 2.22
Current: 2.45
0.39
2.22
Dividend Payout Ratio 0.22
CFG's Dividend Payout Ratio is ranked higher than
72% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CFG: 0.22 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CFG' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.07  Med: 0.22 Max: 0.26
Current: 0.22
0.07
0.26
3-Year Dividend Growth Rate 85.70
CFG's 3-Year Dividend Growth Rate is ranked higher than
98% of the 790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. CFG: 85.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CFG' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 85.7
Current: 85.7
0
85.7
Forward Dividend Yield % 2.97
CFG's Forward Dividend Yield % is ranked lower than
55% of the 2459 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. CFG: 2.97 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.44
CFG's 5-Year Yield-on-Cost % is ranked lower than
68% of the 2507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. CFG: 2.44 )
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: 1.54 Max: 2.55
Current: 2.44
0.39
2.55
3-Year Average Share Buyback Ratio 3.50
CFG's 3-Year Average Share Buyback Ratio is ranked higher than
96% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.40 vs. CFG: 3.50 )
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: 0.8  Med: 2.45 Max: 3.5
Current: 3.5
0.8
3.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.35
CFG's Price-to-Tangible-Book is ranked lower than
58% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CFG: 1.35 )
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: 1.14 Max: 1.58
Current: 1.35
0.81
1.58
Price-to-Median-PS-Value 0.99
CFG's Price-to-Median-PS-Value is ranked higher than
50% of the 1305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CFG: 0.99 )
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: 0.7  Med: 1 Max: 1.21
Current: 0.99
0.7
1.21
Price-to-Graham-Number 0.77
CFG's Price-to-Graham-Number is ranked higher than
60% of the 1212 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. CFG: 0.77 )
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: 0.96 Max: 1.79
Current: 0.77
0.65
1.79

More Statistics

Revenue (TTM) (Mil) $5,898.00
EPS (TTM) $ 3.67
Beta1.63
Volatility17.50%
52-Week Range $34.88 - 48.23
Shares Outstanding (Mil)475.95

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 6,125 6,528 6,832
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 3.45 3.80 4.11
EPS without NRI ($) 3.45 3.80 4.11
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 1.05 1.35 1.42

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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