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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 0.30
CFG's Cash-to-Debt is ranked lower than
85% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.12 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: 0.16  Med: 0.3 Max: 2.67
Current: 0.3
0.16
2.67
Equity-to-Asset 0.13
CFG's Equity-to-Asset is ranked higher than
72% of the 1617 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 lower than
53% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 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: 0.58 Max: 0.76
Current: 0.67
0.05
0.76
Debt-to-EBITDA 2.33
CFG's Debt-to-EBITDA is ranked lower than
52% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.24 vs. CFG: 2.33 )
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: 2.33
Current: 2.33
0
2.33
Beneish M-Score: -2.44
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 : 3/10

vs
industry
vs
history
Net Margin % 29.73
CFG's Net Margin % is ranked higher than
68% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.23 vs. CFG: 29.73 )
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: 29.73
Current: 29.73
-72.92
29.73
ROE % 8.50
CFG's ROE % is ranked lower than
52% of the 1631 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. CFG: 8.50 )
Ranked among companies with meaningful ROE % only.
CFG' s ROE % Range Over the Past 10 Years
Min: -15.82  Med: 4.87 Max: 8.5
Current: 8.5
-15.82
8.5
ROA % 1.13
CFG's ROA % is ranked higher than
66% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CFG: 1.13 )
Ranked among companies with meaningful ROA % only.
CFG' s ROA % Range Over the Past 10 Years
Min: -2.75  Med: 0.71 Max: 1.13
Current: 1.13
-2.75
1.13
3-Year Revenue Growth Rate 8.30
CFG's 3-Year Revenue Growth Rate is ranked higher than
67% of the 1453 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.40 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  Med: 3.4 Max: 8.3
Current: 8.3
0
8.3
3-Year EPS without NRI Growth Rate 28.00
CFG's 3-Year EPS without NRI Growth Rate is ranked higher than
85% of the 1339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 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: 2018-07-20)


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

» Details

Guru Trades

Q2 2017

CFG Guru Trades in Q2 2017

Lee Ainslie 67,900 sh (New)
Robert Olstein 318,930 sh (+11.11%)
Charles Brandes 64,145 sh (+1.56%)
Pioneer Investments 109,657 sh (unchged)
Michael Price 230,000 sh (unchged)
Paul Tudor Jones Sold Out
HOTCHKIS & WILEY 10,066,344 sh (-11.38%)
Richard Pzena 1,560,442 sh (-11.63%)
David Dreman 24,004 sh (-24.36%)
Joel Greenblatt 11,729 sh (-31.32%)
Jim Simons 611,600 sh (-57.87%)
Steven Cohen 48,700 sh (-79.23%)
Caxton Associates 12,900 sh (-95.70%)
» More
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
» 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 2018-03-31 Reduce -19.44%0.29%$41.27 - $47.87 $ 41.89-7%7,632,054
Richard Pzena 2018-03-31 Reduce -0.03%$41.27 - $47.87 $ 41.89-7%735,799
Robert Olstein 2018-03-31 Reduce -30.60%0.47%$41.27 - $47.87 $ 41.89-7%198,600
David Dreman 2018-03-31 Reduce -11.57%0.08%$41.27 - $47.87 $ 41.89-7%25,586
Joel Greenblatt 2018-03-31 Reduce -17.36%$41.27 - $47.87 $ 41.89-7%7,857
Michael Price 2018-03-31 Sold Out 0.91%$41.27 - $47.87 $ 41.89-7%0
HOTCHKIS & WILEY 2017-12-31 Reduce -17.41%0.3%$36.57 - $42.63 $ 41.897%9,473,792
Richard Pzena 2017-12-31 Reduce -52.83%0.16%$36.57 - $42.63 $ 41.897%736,038
Robert Olstein 2017-12-31 Reduce -13.55%0.22%$36.57 - $42.63 $ 41.897%286,180
David Dreman 2017-12-31 Add 44.65%0.21%$36.57 - $42.63 $ 41.897%28,932
Joel Greenblatt 2017-12-31 Reduce -18.85%$36.57 - $42.63 $ 41.897%9,508
Charles Brandes 2017-12-31 Sold Out 0.04%$36.57 - $42.63 $ 41.897%0
HOTCHKIS & WILEY 2017-09-30 Add 13.95%0.21%$32.08 - $37.87 $ 41.8920%11,470,644
Robert Olstein 2017-09-30 Add 3.79%0.06%$32.08 - $37.87 $ 41.8920%331,030
Michael Price 2017-09-30 Reduce -23.91%0.25%$32.08 - $37.87 $ 41.8920%175,000
Charles Brandes 2017-09-30 Reduce -27.39%0.01%$32.08 - $37.87 $ 41.8920%46,576
David Dreman 2017-09-30 Reduce -16.67%0.08%$32.08 - $37.87 $ 41.8920%20,002
Joel Greenblatt 2017-09-30 Reduce -0.10%$32.08 - $37.87 $ 41.8920%11,717
HOTCHKIS & WILEY 2017-06-30 Reduce -11.38%0.18%$33.24 - $37.36 $ 41.8918%10,066,344
Richard Pzena 2017-06-30 Reduce -11.63%0.04%$33.24 - $37.36 $ 41.8918%1,560,442
Robert Olstein 2017-06-30 Add 11.11%0.14%$33.24 - $37.36 $ 41.8918%318,930
Charles Brandes 2017-06-30 Add 1.56%$33.24 - $37.36 $ 41.8918%64,145
David Dreman 2017-06-30 Reduce -24.36%0.15%$33.24 - $37.36 $ 41.8918%24,004
Joel Greenblatt 2017-06-30 Reduce -31.32%$33.24 - $37.36 $ 41.8918%11,729
Premium More recent guru trades are included for Premium Members only!!
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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.

Top Ranked Articles about Citizens Financial Group Inc

Recent Analysis Shows Amkor Technology, Nielsen Holdings Plc, Dean Foods, Citizens Financial Group, The Bank of New York Mellon, and Zimmer Biomet Market Influences — Renewed Outlook, Key Drivers of Growth
Report: Developing Opportunities within Discovery Communications, Otonomy, Marinus Pharmaceuticals, Citizens Financial Group, Washington Prime Group, and The Charles Schwab — Future Expectations, Projections Moving into 2018
Market Trends Toward New Normal in Discovery Communications, Otonomy, Marinus Pharmaceuticals, Citizens Financial Group, Washington Prime Group, and Charles Schwab — Emerging Consolidated Expectations, Analyst Ratings
Law Firm Meissner Associates Announces FINRA Award of Nearly $1.7 Million Against Citizens Securities For Fraudulent Recruitment Practices
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

Ratios

vs
industry
vs
history
PE Ratio 12.29
CFG's PE Ratio is ranked higher than
54% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.27 vs. CFG: 12.29 )
Ranked among companies with meaningful PE Ratio only.
CFG' s PE Ratio Range Over the Past 10 Years
Min: 11.7  Med: 15.71 Max: 72.44
Current: 12.29
11.7
72.44
Forward PE Ratio 12.24
CFG's Forward PE Ratio is ranked higher than
50% of the 443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.87 vs. CFG: 12.24 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 12.29
CFG's PE Ratio without NRI is ranked higher than
55% of the 1499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.29 vs. CFG: 12.29 )
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: 15.71 Max: 72.44
Current: 12.29
11.7
72.44
Price-to-Owner-Earnings 19.17
CFG's Price-to-Owner-Earnings is ranked lower than
74% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. CFG: 19.17 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CFG' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 15.15  Med: 19.41 Max: 25.8
Current: 19.17
15.15
25.8
PB Ratio 1.03
CFG's PB Ratio is ranked higher than
56% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. CFG: 1.03 )
Ranked among companies with meaningful PB Ratio only.
CFG' s PB Ratio Range Over the Past 10 Years
Min: 0.51  Med: 0.72 Max: 1.15
Current: 1.03
0.51
1.15
PS Ratio 3.62
CFG's PS Ratio is ranked lower than
59% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. CFG: 3.62 )
Ranked among companies with meaningful PS Ratio only.
CFG' s PS Ratio Range Over the Past 10 Years
Min: 2.11  Med: 2.97 Max: 4.14
Current: 3.62
2.11
4.14
Price-to-Free-Cash-Flow 16.46
CFG's Price-to-Free-Cash-Flow is ranked lower than
69% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. CFG: 16.46 )
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: 14.39 Max: 32.79
Current: 16.46
6.34
32.79
Price-to-Operating-Cash-Flow 11.97
CFG's Price-to-Operating-Cash-Flow is ranked lower than
58% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.67 vs. CFG: 11.97 )
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: 11.16 Max: 19.02
Current: 11.97
5.53
19.02
EV-to-Revenue 5.20
CFG's EV-to-Revenue is ranked lower than
67% of the 1276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.24 vs. CFG: 5.20 )
Ranked among companies with meaningful EV-to-Revenue only.
CFG' s EV-to-Revenue Range Over the Past 10 Years
Min: 3.6  Med: 4.8 Max: 5.8
Current: 5.2
3.6
5.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.90
CFG's Dividend Yield % is ranked lower than
71% of the 2465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.51 vs. CFG: 1.90 )
Ranked among companies with meaningful Dividend Yield % only.
CFG' s Dividend Yield % Range Over the Past 10 Years
Min: 0.39  Med: 1.51 Max: 2.14
Current: 1.9
0.39
2.14
Dividend Payout Ratio 0.21
CFG's Dividend Payout Ratio is ranked higher than
86% of the 1418 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CFG: 0.21 )
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: 0.21
0.07
0.26
3-Year Dividend Growth Rate 85.70
CFG's 3-Year Dividend Growth Rate is ranked higher than
99% of the 836 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 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 % 2.12
CFG's Forward Dividend Yield % is ranked lower than
70% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.75 vs. CFG: 2.12 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.90
CFG's 5-Year Yield-on-Cost % is ranked lower than
79% of the 2826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.25 vs. CFG: 1.90 )
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: 1.51 Max: 2.14
Current: 1.9
0.39
2.14
3-Year Average Share Buyback Ratio 3.50
CFG's 3-Year Average Share Buyback Ratio is ranked higher than
95% of the 1082 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.20 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: 2  Med: 3.2 Max: 0
Current: 3.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.59
CFG's Price-to-Tangible-Book is ranked lower than
68% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CFG: 1.59 )
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: 1.1 Max: 1.59
Current: 1.59
0.81
1.59
Price-to-Median-PS-Value 1.22
CFG's Price-to-Median-PS-Value is ranked lower than
70% of the 1419 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 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: 0.72  Med: 0.98 Max: 1.25
Current: 1.22
0.72
1.25
Price-to-Graham-Number 0.93
CFG's Price-to-Graham-Number is ranked lower than
55% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. CFG: 0.93 )
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: 0.97 Max: 1.79
Current: 0.93
0.65
1.79

More Statistics

Revenue (TTM) (Mil) $5,785.00
EPS (TTM) $ 3.42
Beta1.47
Volatility22.88%
52-Week Range $31.51 - 48.23
Shares Outstanding (Mil)484.73

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 6,065 6,402 6,553
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 3.40 3.76 3.92
EPS without NRI ($) 3.40 3.76 3.92
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 1.01 1.19 1.40

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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