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Citizens Financial Group, Inc. CFG-PE

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Price alert · CFG-PE

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16.86 USD +0.18 +1.05%

As of Nov 2, 12:12 PM ET

16.71 Day range 16.90
16.48 52-week range 20.25
YTD
-11.85%
1 year
-15.17%
Open
16.84
Prev close
16.68
Mkt cap
26.48B
Vol
33.66K
Avg vol
63.30K
EPS
4.72
P/E
3.57
Div yield
0.00%
More statistics
Low
16.71
High
16.90
Forward P/E
0.00
Beta
1.06
Short ratio
0.25
Inst. own
14.68%
Dividend
1.25
Ex-div date
Dec 21, 2026
Earnings
Jan 20, 2027
50-d avg
17.51
200-d avg
18.56
1y target
0.00

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Financial health

Altman Z-Score

0.44 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 4
  • P/B 5

Valuation

P/E 15.0×
FY 2016: 18.1×FY 2017: 12.9×FY 2018: 8.4×FY 2019: 10.6×FY 2020: 16.1×FY 2021: 9.1×FY 2022: 9.6×FY 2023: 10.6×FY 2024: 14.4×FY 2025: 15.0×
FY 2016 5y median 10.6× FY 2025
P/S 2.3×
FY 2016: 3.2×FY 2017: 3.3×FY 2018: 1.9×FY 2019: 2.3×FY 2020: 2.0×FY 2021: 2.9×FY 2022: 2.1×FY 2023: 1.3×FY 2024: 1.6×FY 2025: 2.3×
FY 2016 5y median 2.1× FY 2025
P/B 1.0×
FY 2016: 0.9×FY 2017: 1.0×FY 2018: 0.7×FY 2019: 0.8×FY 2020: 0.7×FY 2021: 0.9×FY 2022: 0.8×FY 2023: 0.6×FY 2024: 0.8×FY 2025: 1.0×
FY 2016 5y median 0.8× FY 2025
P/FCF 12.4×
FY 2016: 15.7×FY 2017: 14.6×FY 2018: 9.3×FY 2019: 11.4×FY 2020: -2182×FY 2021: 9.4×FY 2022: 4.7×FY 2023: 5.6×FY 2024: 10.5×FY 2025: 12.4×
FY 2016 5y median 9.4× FY 2025
EV/EBITDA 8.5×
FY 2016: 15.4×FY 2017: 13.5×FY 2018: 10.2×FY 2019: 10.0×FY 2020: 5.8×FY 2021: 4.9×FY 2022: 7.4×FY 2023: 7.1×FY 2024: 8.8×FY 2025: 8.5×
FY 2016 5y median 7.4× FY 2025
EV/Sales 2.1×
FY 2016: 5.5×FY 2017: 5.0×FY 2018: 3.7×FY 2019: 3.6×FY 2020: 1.4×FY 2021: 2.5×FY 2022: 2.6×FY 2023: 1.5×FY 2024: 1.7×FY 2025: 2.1×
FY 2016 5y median 2.1× FY 2025
FCF Yield 8.1%
FY 2016: 6.4%FY 2017: 6.8%FY 2018: 10.8%FY 2019: 8.8%FY 2020: -0.0%FY 2021: 10.7%FY 2022: 21.3%FY 2023: 17.7%FY 2024: 9.5%FY 2025: 8.1%
FY 2016 5y median 10.7% FY 2025

Profitability

Gross Margin 69.8%
FY 2016: 84.8%FY 2017: 83.5%FY 2018: 78.9%FY 2019: 75.6%FY 2020: 68.9%FY 2021: 101.0%FY 2022: 83.2%FY 2023: 61.8%FY 2024: 57.6%FY 2025: 69.8%
FY 2016 5y median 69.8% FY 2025
Operating Margin 20.9%
FY 2016: 26.6%FY 2017: 29.6%FY 2018: 29.7%FY 2019: 27.9%FY 2020: 16.9%FY 2021: 42.6%FY 2022: 29.3%FY 2023: 16.7%FY 2024: 15.3%FY 2025: 20.9%
FY 2016 5y median 20.9% FY 2025
Net Margin 16.4%
FY 2016: 18.1%FY 2017: 25.6%FY 2018: 23.4%FY 2019: 22.2%FY 2020: 13.8%FY 2021: 33.2%FY 2022: 22.9%FY 2023: 13.2%FY 2024: 12.2%FY 2025: 16.4%
FY 2016 5y median 16.4% FY 2025
ROE 7.0%
FY 2016: 5.3%FY 2017: 8.1%FY 2018: 8.3%FY 2019: 8.1%FY 2020: 4.7%FY 2021: 9.9%FY 2022: 8.8%FY 2023: 6.6%FY 2024: 6.2%FY 2025: 7.0%
FY 2016 5y median 7.0% FY 2025
ROIC 4.3%
FY 2016: 2.6%FY 2017: 4.4%FY 2018: 4.2%FY 2019: 4.4%FY 2020: 2.9%FY 2021: 6.8%FY 2022: 4.5%FY 2023: 3.6%FY 2024: 3.5%FY 2025: 4.3%
FY 2016 5y median 4.3% FY 2025
ROA 0.8%
FY 2016: 0.7%FY 2017: 1.1%FY 2018: 1.1%FY 2019: 1.1%FY 2020: 0.6%FY 2021: 1.2%FY 2022: 0.9%FY 2023: 0.7%FY 2024: 0.7%FY 2025: 0.8%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue -9.7%
FY 2016: 9.2%FY 2017: 12.0%FY 2018: 13.9%FY 2019: 9.7%FY 2020: -4.8%FY 2021: -9.0%FY 2022: 29.8%FY 2023: 34.4%FY 2024: 1.3%FY 2025: -9.7%
FY 2016 FY 2025
Operating Income 23.3%
FY 2016: 21.5%FY 2017: 24.6%FY 2018: 14.2%FY 2019: 3.1%FY 2020: -42.3%FY 2021: 129.4%FY 2022: -10.8%FY 2023: -23.5%FY 2024: -7.0%FY 2025: 23.3%
FY 2016 FY 2025
EPS (diluted) 27.4%
FY 2016: 27.1%FY 2017: 65.0%FY 2018: 8.3%FY 2019: 8.2%FY 2020: -41.7%FY 2021: 132.4%FY 2022: -20.5%FY 2023: -23.7%FY 2024: -3.2%FY 2025: 27.4%
FY 2016 FY 2025
Free Cash Flow 8.4%
FY 2016: 27.6%FY 2017: 21.6%FY 2018: 6.4%FY 2019: 4.4%FY 2020: -100.4%FY 2021: 30828.6%FY 2022: 85.6%FY 2023: -30.2%FY 2024: -32.6%FY 2025: 8.4%
FY 2016 FY 2025

Financial Health

Current Ratio 1.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.3×FY 2025: 1.0×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 1.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.3×FY 2025: 1.0×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.4×
FY 2016: 0.9×FY 2017: 0.7×FY 2018: 0.8×FY 2019: 0.6×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.7×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA -0.5×
FY 2016: 6.3×FY 2017: 4.7×FY 2018: 4.9×FY 2019: 3.7×FY 2020: -2.4×FY 2021: -0.7×FY 2022: 1.6×FY 2023: 0.8×FY 2024: 0.5×FY 2025: -0.5×
FY 2016 5y median 0.5× FY 2025
Interest Coverage 0.6×
FY 2016: 3.0×FY 2017: 2.6×FY 2018: 1.8×FY 2019: 1.4×FY 2020: 1.7×FY 2021: 8.8×FY 2022: 2.5×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 3.5%
FY 2016: 1.4%FY 2017: 1.6%FY 2018: 3.4%FY 2019: 3.7%FY 2020: 5.0%FY 2021: 3.9%FY 2022: 4.8%FY 2023: 5.9%FY 2024: 4.6%FY 2025: 3.5%
FY 2016 5y median 4.6% FY 2025
Payout Ratio 48.5%
FY 2016: 24.4%FY 2017: 20.3%FY 2018: 28.2%FY 2019: 38.1%FY 2020: 72.8%FY 2021: 33.8%FY 2022: 43.0%FY 2023: 57.7%FY 2024: 59.8%FY 2025: 48.5%
FY 2016 5y median 48.5% FY 2025

Annual · latest fiscal year ends 2025-12-31