What is Citizens Financial Group Financial Strength?
Citizens Financial Group has the Financial Strength Rank of 4.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its
Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3.
Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Citizens Financial Group's interest coverage with the available data.
Citizens Financial Group's debt to revenue ratio for the quarter that ended in Dec. 2024 was 1.57.
Altman Z-Score does not apply to banks and insurance companies.
Citizens Financial Group Financial Strength Calculation
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Citizens Financial Group's Interest Expense for the
months ended in Dec. 2024 was $-1,050 Mil. Its Operating Income for the
months ended in Dec. 2024 was $0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was $10,413 Mil.
Citizens Financial Group's Interest Coverage for the quarter that ended in Dec. 2024 is
The higher the ratio, the stronger the company's financial strength is.
2. Debt to revenue ratio. The lower, the better.
Citizens Financial Group's Debt to Revenue Ratio for the quarter that ended in Dec. 2024 is
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citizens Financial Group Business Description
Traded in Other Exchanges
Address
One Citizens Plaza, Providence, RI, USA, 02903
Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island. Through the bank, it offers various retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. The company's reportable segments are; Commercial Banking, Consumer Banking, Non-Core, and Others. A majority of its revenue is generated from the Consumer Banking segment, which serves consumer customers and small businesses, offering traditional banking products and services including deposits, mortgage and home equity lending, credit cards, small business loans, education loans, point-of-sale finance loans, and wealth management and investment services.
Executives
| Craig Jack Read |
officer: Controller (effective 8/11/18) |
CITIZENS FINANCIAL GROUP, INC., 600 WASHINGTON BOULEVARD, STAMFORD CT 06901 |
| Terrance J. Lillis |
director |
C/O CITIZENS FINANCIAL GROUP, INC., 600 WASHINGTON BLVD., STAMFORD CT 06901 |
| Shivan S. Subramaniam |
director |
CITIZENS FINANCIAL GROUP, INC., 600 WASHINGTON BLVD., CS119N, STAMFORD CT 06901 |
| Kevin Cummings |
director |
101 JFK PARKWAY, SHORT HILLS NJ 07078 |
| Michele N Siekerka |
director |
101 JFK PARKWAY, SHORT HILLS NJ 07078 |
| Polly N. Klane |
officer: General Counsel |
C/O CITIZENS FINANCIAL GROUP, INC., 600 WASHINGTON BLVD., STAMFORD CT 06901 |
| Michael Ruttledge |
officer: Chief Information Officer |
CITIZENS FINANCIAL GROUP, INC., 600 WASHINGTON BLVD., STAMFORD CT 06901 |
| Lee Alexander |
director |
CITIZENS FINANCIAL GROUP, INC., 600 WASHINGTON BLVD. 11TH FLOOR, STAMFORD CT 06901 |
| Christopher Swift |
director |
HARBORSIDE FINANCIAL CENTER, 3200 PLAZA 5, JERSEY CITY NJ 07311 |
| Brendan Coughlin |
officer: Head of Consumer Banking |
CITIZENS FINANCIAL GROUP, INC, 600 WASHINGTON BLVD. 11TH FLOOR, STAMFORD CT 06901 |
| William P Hankowsky |
director |
C/O LIBERTY PROPERTY TRUST, 65 VALLEY STREAM PARKWAY, MALVERN PA 19355 |
| Robert G Leary |
director |
CITIZENS FINANCIAL GROUP, INC., 600 WASHINGTON BLVD,, STAMFORD CT 06901 |
| Charles John Koch |
director |
CITIZENS FINANCIAL GROUP, INC., 600 WASHINGTON BLVD., CS119N, STAMFORD CT 06901 |
| Higdon Leo I Jr |
director |
1700 LINCOLN STREET, 28TH FLOOR, DENVER CO 80203 |
| Elizabeth S. Johnson |
officer: Chief Experience Officer |
CITIZENS FINANCIAL GROUP, INC., 600 WASHINGTON BLVD., STAMFORD CT 06901 |
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