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Overview
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Citizens Financial Group stock

CFG
US1746101054
A12BD3

Price

49.86
Today +/-
+2.11
Today %
+4.53 %

Citizens Financial Group stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Citizens Financial Group stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Citizens Financial Group stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Citizens Financial Group stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Citizens Financial Group's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Citizens Financial Group Stock Price History

DateCitizens Financial Group Price
11/25/202449.86 undefined
11/22/202447.65 undefined
11/21/202446.77 undefined
11/20/202446.12 undefined
11/19/202446.05 undefined
11/18/202446.57 undefined
11/15/202446.78 undefined
11/14/202446.58 undefined
11/13/202447.26 undefined
11/12/202446.42 undefined
11/11/202446.48 undefined
11/8/202445.81 undefined
11/7/202446.03 undefined
11/6/202448.31 undefined
11/5/202442.22 undefined
11/4/202441.59 undefined
11/1/202441.82 undefined
10/31/202442.12 undefined
10/30/202442.70 undefined
10/29/202442.24 undefined
10/28/202442.74 undefined

Citizens Financial Group Revenue, EBIT, Net Income

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  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Citizens Financial Group, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Citizens Financial Group from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Citizens Financial Group’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Citizens Financial Group. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Citizens Financial Group’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Citizens Financial Group’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Citizens Financial Group’s growth potential.

Citizens Financial Group Revenue, EBIT and net profit per share

DateCitizens Financial Group RevenueCitizens Financial Group Net Income
2028e9.25 B undefined1.88 B undefined
2027e8.9 B undefined1.78 B undefined
2026e8.91 B undefined2.17 B undefined
2025e8.25 B undefined1.72 B undefined
2024e7.87 B undefined1.35 B undefined
202312.19 B undefined1.49 B undefined
20229.07 B undefined1.96 B undefined
20216.99 B undefined2.21 B undefined
20207.68 B undefined950 M undefined
20198.07 B undefined1.72 B undefined
20187.35 B undefined1.69 B undefined
20176.45 B undefined1.64 B undefined
20165.76 B undefined1.03 B undefined
20155.28 B undefined833 M undefined
20145.34 B undefined865 M undefined
20135.13 B undefined-3.43 B undefined
20125.51 B undefined643 M undefined
20115.92 B undefined506 M undefined

Citizens Financial Group Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (B)EBIT MARGIN (%)NET INCOME (B)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
20112012201320142015201620172018201920202021202220232024e2025e2026e2027e2028e
5.925.515.135.345.285.766.457.358.077.686.999.0712.197.878.258.918.99.25
--6.80-6.894.07-1.249.2311.9913.949.68-4.84-8.9929.8234.38-35.454.867.98-0.043.89
------------------
000000000000000000
000001.531.912.182.251.32.98002.753.13.53.33.3
------------------
0.510.64-3.430.870.831.031.641.691.720.952.211.961.491.351.722.171.781.88
-27.08-632.81-125.25-3.7023.7758.873.301.54-44.70132.21-11.15-23.93-9.2627.2026.21-18.286.03
------------------
------------------
560560560557.7538.2523.9503.7480.4451.2428.2427.4477.8476.6900000
------------------
Details

Keystats

ⓘ

Revenue and Growth

The Citizens Financial Group Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Citizens Financial Group is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (B)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (B)GOODWILL (B)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (B)ADDITIONAL PAID-IN CAPITAL (B)RETAINED EARNINGS (B)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (B)EQUITY (B)LIABILITIES (M)PROVISIONS (B)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (B)LONG-TERM DEBT PORTION (B)SHORT-TERM REC. (B)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (B)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
201220132014201520162017201820192020202120222023
                       
000000000000
000000000000
000000000000
000000000000
000000000000
000000000000
0.640.590.60.60.60.690.791.461.461.531.861.78
000000000000
000000000000
0.6200.750.770.810.830.850.90.960.860.21.06
11.316.886.886.886.886.896.927.047.057.128.178.19
0460000000000
12.587.518.238.248.298.48.579.49.479.5110.2311.03
12.587.518.238.248.298.48.579.49.479.5110.2311.03
                       
0.010.010.010.250.250.250.851.581.972.022.022.02
18.5918.618.6818.7318.7218.7818.8218.8918.9419.0122.1422.25
5.851.241.291.912.74.165.396.56.457.989.169.82
-618-557-446-359-482-584-606-412-440-509-7,331-1,420
0.31-0.090.07-0.03-0.19-0.24-0.4900.38-0.162.77-2.34
24.1319.219.620.521.0122.3823.9526.5527.328.3428.7630.33
000000000000
00000000.720.840.81.070.98
000000000000
4.17.0410.533.434.362.672.810.270.240.0700.51
00000002.51.361.930.750.47
4.17.0410.533.434.362.672.813.52.442.811.821.95
0.641.354.649.8912.7911.776.936.546.974.986.629.21
446199493730714571573866629000
2.537.412.221.982.111.972.312.313.462.825.365.33
3.628.967.3512.5915.6114.319.819.7111.057.811.9814.54
7.721617.8816.0219.9716.9812.6213.2113.4910.6113.816.49
31.8535.237.4936.5340.9839.3636.5739.7740.7938.9542.5646.82
Details

Balance Sheet

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Understanding the Balance Sheet

The balance sheet of Citizens Financial Group provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Citizens Financial Group's financial health and stability.

Assets

Citizens Financial Group's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Citizens Financial Group must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Citizens Financial Group after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Citizens Financial Group's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (B)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (B)NON-CASH ITEM (B)PAID INTEREST (B)PAID TAXES (B)NET CASH FLOW FROM OPERATING ACTIVITIES (B)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (B)CASH FLOW FROM OTHER INVESTING ACTIVITIES (B)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (B)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (B)CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (B)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
2011201220132014201520162017201820192020202120222023
0.510.64-3.430.870.841.051.651.721.791.062.322.071.61
434467404386471515487489633578625565478
252306-53141249153-1369764-238-42957-242
1.090.131.24-0.1-0.34-0.23-0.08-0.49-0.92-1.33-0.291.341.03
0.20.24.510.150.030.030.01-0.010.170.10.110.170.17
00000.450.510.721.181.560.840.350.993.64
-0.110.20.020.390.160.090.370.240.330.261.250.180.38
2.481.712.651.391.231.491.881.771.70.112.284.122.96
-368-371-368-311-299-303-440-485-366-118-124-126-172
-2.030.92-2.45-10.27-5.91-11.33-3.98-7.08-3.88-6.14-10.49-12.645.25
-1.671.29-2.09-9.96-5.61-11.02-3.54-6.59-3.51-6.02-10.36-12.515.42
0000000000000
-1.44-5.152.467.251.63.53-2.352.46-2.16-5.82-1.514.83-1.93
000-334-253-430-820-432-490125-249-153-906
-1.67-3.26-0.59.44.4910.461.436.351.4915.374.649.91-7.13
-0.231.88-2.962.513.297.614.934.814.8321.847.186.12-3.36
000-16-150-255-336-485-682-770-783-892-928
-1.22-0.63-0.310.52-0.190.62-0.671.04-0.699.35-3.581.391.08
2,1111,3432,2811,0799301,1871,4431,2821,331-72,1513,9932,789
0000000000000

Citizens Financial Group stock margins

The Citizens Financial Group margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Citizens Financial Group. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Citizens Financial Group.

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Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Citizens Financial Group's sales revenue. A higher gross margin percentage indicates that the Citizens Financial Group retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Citizens Financial Group's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Citizens Financial Group's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Citizens Financial Group's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Citizens Financial Group. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Citizens Financial Group's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Citizens Financial Group Margin History

DateCitizens Financial Group Profit margin
2028e20.36 %
2027e19.95 %
2026e24.39 %
2025e20.87 %
2024e17.2 %
202312.23 %
202221.61 %
202131.58 %
202012.38 %
201921.3 %
201823.01 %
201725.38 %
201617.89 %
201515.79 %
201416.19 %
2013-66.74 %
201211.66 %
20118.55 %

Citizens Financial Group Stock Sales Revenue, EBIT, Earnings per Share

The Citizens Financial Group earnings per share therefore indicates how much revenue Citizens Financial Group has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Citizens Financial Group earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Citizens Financial Group's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Citizens Financial Group’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Citizens Financial Group's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Citizens Financial Group Revenue, EBIT and net profit per share

DateCitizens Financial Group Sales per ShareCitizens Financial Group Earnings per Share
2028e20.99 undefined4.27 undefined
2027e20.2 undefined4.03 undefined
2026e20.21 undefined4.93 undefined
2025e18.72 undefined3.91 undefined
2024e17.85 undefined3.07 undefined
202325.57 undefined3.13 undefined
202218.98 undefined4.1 undefined
202116.35 undefined5.16 undefined
202017.93 undefined2.22 undefined
201917.88 undefined3.81 undefined
201815.31 undefined3.52 undefined
201712.81 undefined3.25 undefined
201611 undefined1.97 undefined
20159.8 undefined1.55 undefined
20149.58 undefined1.55 undefined
20139.17 undefined-6.12 undefined
20129.84 undefined1.15 undefined
201110.56 undefined0.9 undefined

Citizens Financial Group business model

Citizens Financial Group Inc is a bank holding company based in Providence, Rhode Island, USA. It was founded in 1828 and was originally known as High Street Bank. Since then, the bank has undergone numerous changes and is now one of the largest banks in the USA. The business model of Citizens Financial Group is focused on providing financial services and products to individuals, businesses, and institutions. The banking group is divided into two main business segments, namely consumer banking and commercial banking. Each of these business segments has a different focus and offers specific products and services. In consumer banking, Citizens Financial Group offers a variety of products and services for individuals. This includes checking and savings accounts, credit and debit cards, home loans, personal loans, online and mobile banking, and various types of insurance. In commercial banking, Citizens Financial Group specializes in business customers and offers various products and services for companies. This includes business loans, trade finance, cash management solutions, treasury services, and international transactions. Citizens Financial Group also operates an asset management division that helps its customers with the management and administration of their assets. Asset management includes asset management, fiduciary services, trust and investment management, and financial planning. Citizens Financial Group also has a student loans division. This division offers a range of student financing solutions, including private and federal loans, consolidation options, and even refinancing options for student loans taken out during studies. In addition to the above-mentioned products and services, Citizens Financial Group also operates an online bank called Citizens Access. This is a purely online bank that offers exclusively online services. Customers can open an account with Citizens Access through the website or mobile app and access various online services. Citizens Financial Group also operates a network of branches and ATMs located throughout the USA. Through this extensive network, the banking group offers its customers a convenient way to access all their financial services in one place. Overall, Citizens Financial Group offers a wide range of products and services that cater to the needs of individuals, businesses, and institutions. With a focus on customer orientation, service, and innovation, the banking group has received many awards and recognition over the years. Although the banking sector has undergone significant changes in recent years and continues to evolve, Citizens Financial Group continues to position itself as a strong and reliable banking group. With a strong focus on customer satisfaction, advanced technology, and a variety of products and services, Citizens Financial Group is an excellent choice for anyone seeking comprehensive financial solutions. Citizens Financial Group is one of the most popular companies on Eulerpool.com.

Citizens Financial Group SWOT Analysis

Strengths

Citizens Financial Group Inc has a strong market position and brand recognition in the financial industry. It has a wide range of products and services catering to various customer segments. The company has a robust customer base and a strong network of branches and ATMs.

Citizens Financial Group Inc also has a strong capital position and financial stability, enabling it to withstand economic downturns and invest in growth opportunities. The company has a talented workforce and emphasizes on building customer relationships and delivering high-quality services.

Weaknesses

One of the weaknesses of Citizens Financial Group Inc is its limited geographic presence compared to some of its competitors. This restricts its market reach and potential customer base, making it vulnerable to regional economic fluctuations. The company also faces intense competition from other financial institutions.

Additionally, Citizens Financial Group Inc may encounter operational inefficiencies due to its complex organizational structure, which can slow decision-making processes. It must continuously strive to improve efficiency and streamline operations to remain competitive.

Opportunities

Citizens Financial Group Inc can explore opportunities for expansion into new markets, either through acquisitions or organic growth. It can also leverage advancements in technology and digital banking to enhance its customer experience, attract tech-savvy customers, and improve operational efficiency.

The company can also focus on developing innovative financial products and services to cater to changing customer needs and preferences. Moreover, there may be opportunities for partnerships or collaborations with fintech companies to enhance its digital capabilities and extend its reach.

Threats

Citizens Financial Group Inc faces various external threats, including changing regulatory requirements and compliance costs. Economic instability and fluctuations in interest rates can also impact the company's profitability and asset quality. The increasing threat of cybersecurity breaches and data theft poses a risk to the company's reputation and customer trust.

Furthermore, the competitive landscape in the financial industry is evolving rapidly, with new entrants and disruptive technologies shaking up traditional banking models. Citizens Financial Group Inc needs to adapt to these changes and stay ahead of the competition to ensure long-term success.

Citizens Financial Group Revenue by Segment

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Details

Revenue by Segment

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Overview of Revenue by Segment

The chart visualizes revenues by segments and provides a clear overview of the revenue distribution. Each segment is clearly marked to facilitate comparisons of revenues.

Interpretation and Use

The chart enables quick identification of the highest-revenue segments, which is helpful in strategic decision-making. It supports the analysis of growth potentials and targeted resource allocation.

Investment Strategy

An investment strategy determines how capital is deliberately invested into various asset classes to maximize returns. It is based on risk tolerance, investment objectives, and a long-term plan.

Citizens Financial Group Revenue by Segment

Segmente20232022202120202019201620152014
Trust and investment services fees259 M USD250 M USD239 M USD203 M USD----

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  • Max

Details

Revenue by Segment

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Overview of Revenue by Segment

The chart visualizes revenues by segments and provides a clear overview of the revenue distribution. Each segment is clearly marked to facilitate comparisons of revenues.

Interpretation and Use

The chart enables quick identification of the highest-revenue segments, which is helpful in strategic decision-making. It supports the analysis of growth potentials and targeted resource allocation.

Investment Strategy

An investment strategy determines how capital is deliberately invested into various asset classes to maximize returns. It is based on risk tolerance, investment objectives, and a long-term plan.

Citizens Financial Group Revenue by Segment

Segmente20232022202120202019201620152014
Service charges and fees409 M USD418 M USD407 M USD401 M USD503 M USD---
Capital markets fees293 M USD341 M USD419 M USD249 M USD202 M USD---
Card fees291 M USD271 M USD248 M USD216 M USD254 M USD---
Trust and investment services fees----202 M USD---
Other banking fees14 M USD19 M USD12 M USD11 M USD11 M USD---

  • Max

Details

Revenue by Segment

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Overview of Revenue by Segment

The chart visualizes revenues by segments and provides a clear overview of the revenue distribution. Each segment is clearly marked to facilitate comparisons of revenues.

Interpretation and Use

The chart enables quick identification of the highest-revenue segments, which is helpful in strategic decision-making. It supports the analysis of growth potentials and targeted resource allocation.

Investment Strategy

An investment strategy determines how capital is deliberately invested into various asset classes to maximize returns. It is based on risk tolerance, investment objectives, and a long-term plan.

Citizens Financial Group Revenue by Segment

Segmente20232022202120202019201620152014
Consumer Banking783 M USD-757 M USD-----
Commercial Banking482 M USD-568 M USD-----

  • 3 years

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  • Max

Details

Revenue by Segment

ⓘ

Overview of Revenue by Segment

The chart visualizes revenues by segments and provides a clear overview of the revenue distribution. Each segment is clearly marked to facilitate comparisons of revenues.

Interpretation and Use

The chart enables quick identification of the highest-revenue segments, which is helpful in strategic decision-making. It supports the analysis of growth potentials and targeted resource allocation.

Investment Strategy

An investment strategy determines how capital is deliberately invested into various asset classes to maximize returns. It is based on risk tolerance, investment objectives, and a long-term plan.

Citizens Financial Group Revenue by Segment

Segmente20232022202120202019201620152014
Consumer Banking-769 M USD-690 M USD818 M USD3.33 B USD3.11 B USD3.05 B USD
Commercial Banking-526 M USD-390 M USD354 M USD1.75 B USD1.58 B USD1.5 B USD
Other-----175 M USD139 M USD427 M USD
Non-Core--------
Other Segments--------
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Citizens Financial Group Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Citizens Financial Group historical P/E ratio, EBIT multiple, and P/S ratio

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Citizens Financial Group shares outstanding

The number of shares was Citizens Financial Group in 2023 — This indicates how many shares 476.693 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Citizens Financial Group earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Citizens Financial Group's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Citizens Financial Group’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Citizens Financial Group's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Citizens Financial Group dividend history and estimates

In 2023, Citizens Financial Group paid a dividend amounting to 1.68 USD. Dividend means that Citizens Financial Group distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

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Dividend Overview

The dividend per year chart for Citizens Financial Group provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Citizens Financial Group’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Citizens Financial Group's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Citizens Financial Group Dividend History

DateCitizens Financial Group Dividend
2028e1.76 undefined
2027e1.76 undefined
2026e1.76 undefined
2025e1.76 undefined
2024e1.77 undefined
20231.68 undefined
20221.62 undefined
20211.56 undefined
20201.56 undefined
20191.36 undefined
20180.98 undefined
20170.64 undefined
20160.46 undefined
20150.4 undefined
20140.1 undefined

Citizens Financial Group dividend payout ratio

In 2023, Citizens Financial Group had a payout ratio of 46.67%. The payout ratio indicates the percentage of the company's profits that Citizens Financial Group distributes as dividends.

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Payout ratio
Details

Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for Citizens Financial Group represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Citizens Financial Group could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Citizens Financial Group's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Citizens Financial Group Payout Ratio History

DateCitizens Financial Group Payout ratio
2028e41.66 %
2027e40.95 %
2026e42.38 %
2025e41.66 %
2024e38.81 %
202346.67 %
202239.51 %
202130.23 %
202070.27 %
201935.7 %
201827.84 %
201719.69 %
201623.35 %
201525.81 %
20146.45 %
201346.67 %
201246.67 %
201146.67 %
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Unfortunately, there are currently no price targets and forecasts available for Citizens Financial Group.

Citizens Financial Group latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20240.8 0.77  (-3.77 %)2024 Q3
6/30/20240.79 0.78  (-1.66 %)2024 Q2
3/31/20240.74 0.65  (-12.7 %)2024 Q1
12/31/20230.72 0.34  (-52.89 %)2023 Q4
9/30/20230.91 0.85  (-7.05 %)2023 Q3
6/30/20231.02 0.92  (-9.52 %)2023 Q2
3/31/20231.14 1  (-12.21 %)2023 Q1
12/31/20221.32 1.25  (-5.64 %)2022 Q4
9/30/20221.24 1.23  (-0.4 %)2022 Q3
6/30/20220.84 0.67  (-20.49 %)2022 Q2
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5

Eulerpool ESG Scorecard© for the Citizens Financial Group stock

Eulerpool World ESG Rating (EESG©)

75/ 100

🌱 Environment

71

👫 Social

72

🏛️ Governance

82

Environment

Scope 1 - Direct Emissions
10,497
Scope 2 - Indirect emissions from purchased energy
38,355
Scope 3 - Indirect emissions within the value chain
26,624
Total CO₂ emissions
48,852
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees56.9
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees62.4
White Management Share77.4
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Citizens Financial Group shareholders

%
Name
Stocks
Change
Date
11.81657 % The Vanguard Group, Inc.52,075,610-786,7366/30/2024
7.38944 % BlackRock Institutional Trust Company, N.A.32,565,254-399,6096/30/2024
5.49381 % State Street Global Advisors (US)24,211,224-496,4996/30/2024
3.88234 % Amundi Asset Management US, Inc.17,109,482-850,0706/30/2024
3.31569 % Hotchkis and Wiley Capital Management, LLC14,612,246-1,259,8056/30/2024
3.30107 % Invesco Advisers, Inc.14,547,798531,2616/30/2024
3.01124 % Capital Research Global Investors13,270,5166,444,9989/30/2024
2.76256 % Fuller & Thaler Asset Management Inc.12,174,620-658,2986/30/2024
2.44650 % Geode Capital Management, L.L.C.10,781,72424,9746/30/2024
1.74314 % BlackRock Financial Management, Inc.7,682,015-474,7986/30/2024
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5
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Citizens Financial Group Executives and Management Board

Mr. Bruce Van Saun

(65)
Citizens Financial Group Chairman of the Board, Chief Executive Officer (since 2013)
Compensation 11.7 M

Mr. Donald Mccree

(61)
Citizens Financial Group Vice Chairman - Commercial Banking, Head - Commercial Banking
Compensation 4.46 M

Mr. John Woods

(58)
Citizens Financial Group Vice Chairman, Chief Financial Officer
Compensation 4.33 M

Mr. Brendan Coughlin

(43)
Citizens Financial Group Vice Chairman, Executive Vice President, Head - Consumer Banking
Compensation 3 M

Ms. Susan Lamonica

(62)
Citizens Financial Group Chief Human Resource Officer, Executive Vice President
Compensation 2.67 M
1
2
3
4
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Citizens Financial Group Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
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SupplierCustomer0,570,44-0,350,010,190,07
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SupplierCustomer-0,05-0,52-0,84-0,100,21
Visa Inc. Stock
Visa Inc.
SupplierCustomer-0,170,30-0,110,10-0,210,59
Pegasystems Stock
Pegasystems
SupplierCustomer-0,260,800,740,660,11-0,13
1

Most common questions regarding Citizens Financial Group

What values and corporate philosophy does Citizens Financial Group represent?

Citizens Financial Group Inc represents strong values and a clear corporate philosophy. As a leading financial institution, Citizens is committed to delivering exceptional customer service, fostering relationships built on trust and integrity. The company focuses on innovation, providing innovative banking solutions, and leveraging technology to enhance the customer experience. Citizens aims to empower individuals and businesses, enabling them to achieve their financial goals and aspirations. With a customer-centric approach, Citizens prioritizes accountability and transparency, striving to maintain ethical standards in all its operations. Overall, Citizens Financial Group Inc is dedicated to making a positive impact on the financial well-being of its customers and the communities it serves.

In which countries and regions is Citizens Financial Group primarily present?

Citizens Financial Group Inc is primarily present in the United States, serving customers across various regions. As a leading bank and financial services company, Citizens operates through its subsidiaries, including Citizens Bank, Charter One, and Citizens One. With a strong presence in major US markets, such as New England, the Mid-Atlantic, and the Midwest, Citizens Financial Group Inc offers a wide range of banking and financial solutions to individuals, businesses, and institutions across these regions.

What significant milestones has the company Citizens Financial Group achieved?

Citizens Financial Group Inc has achieved several significant milestones. In 2020, the company marked its fifth consecutive year of record earnings, demonstrating its strong financial performance. Additionally, the bank has made notable strides in enhancing its digital capabilities, including the launch of seamless mobile banking services. Citizens Financial Group Inc has also prioritized customer-centric initiatives, such as improving accessibility and expanding branch networks. Furthermore, the company has successfully completed strategic acquisitions to broaden its reach and strengthen its position in the market. These achievements solidify Citizens Financial Group Inc as a leading financial institution dedicated to providing exceptional services to its customers.

What is the history and background of the company Citizens Financial Group?

Citizens Financial Group Inc. is a renowned financial institution with a rich history and impressive background. Originally established in 1828 as the High Street Bank in Providence, Rhode Island, the company has grown exponentially over the years. In 1871, it merged with Industrial National Bank, leading to further expansion and an enhanced presence within the banking industry. Today, Citizens Financial Group Inc. stands as one of the largest financial services companies in the United States, offering a comprehensive range of banking and financial solutions to customers nationwide. With its long-standing heritage and commitment to excellence, Citizens Financial Group Inc. is a trusted name in the banking sector.

Who are the main competitors of Citizens Financial Group in the market?

The main competitors of Citizens Financial Group Inc in the market include Bank of America, JPMorgan Chase, Wells Fargo, and PNC Financial Services.

In which industries is Citizens Financial Group primarily active?

Citizens Financial Group Inc is primarily active in the banking and financial services industry.

What is the business model of Citizens Financial Group?

The business model of Citizens Financial Group Inc revolves around providing a wide range of banking and financial services to individuals, businesses, and institutions. As a commercial bank, Citizens Financial Group focuses on offering various banking products, including checking accounts, savings accounts, loans, mortgages, and credit cards. The company also provides wealth management, investment advisory, and insurance services to cater to its customers' financial needs. By combining extensive industry expertise, personalized solutions, and a customer-centric approach, Citizens Financial Group Inc aims to establish long-term relationships and help individuals and businesses achieve their financial goals.

What is the P/E ratio of Citizens Financial Group 2024?

The Citizens Financial Group P/E ratio is 17.56.

What is the P/S ratio of Citizens Financial Group 2024?

The Citizens Financial Group P/S ratio is 3.02.

What is the Quality Investing of Citizens Financial Group?

The Quality Investing for Citizens Financial Group is 4/10.

What is the revenue of Citizens Financial Group 2024?

The expected Citizens Financial Group revenue is 7.87 B USD.

How high is the profit of Citizens Financial Group 2024?

The expected Citizens Financial Group profit is 1.35 B USD.

What is the business model of Citizens Financial Group

Citizens Financial Group Inc is a US-based bank that offers a variety of financial services and products. The company operates in various divisions, including consumer banking, commercial banking, mortgage banking, wealth management, and investment banking. The consumer banking division provides a wide range of banking services, including checking accounts, savings accounts, credit cards, personal loans, and mortgages. It also offers mobile banking services to make it easier for customers to access their accounts. This division primarily caters to individuals and small businesses. The commercial banking division specializes in customized solutions for medium and large businesses. It provides solutions for payments, operating deposits, credit and financial services, and working capital management. This division caters to the needs of businesses in various industries such as real estate, construction, healthcare, and agriculture. The mortgage banking division offers a wide range of mortgage loans, including fixed rate mortgages, adjustable rate mortgages, jumbo mortgages, and refinancing. This division enables customers to purchase and build homes and also offers solutions for purchasing condominiums. The wealth management division offers a comprehensive range of financial services for asset management, including investment management, trust services, financial planning, and asset management. This division targets wealthy families, individuals, and institutions. The investment banking division focuses on the needs of companies and provides capital market financing, mergers and acquisitions, restructuring, and advisory services. This division enables companies to expand their business through strategic decision-making and efficient financing. Citizens Financial Group Inc aims to provide its customers with a seamless and highly reliable experience, regardless of the division they are in. The company has a customer-centric strategy that aims to offer targeted solutions and services to meet the requirements. The company also utilizes the latest technologies and innovative solutions to effectively serve its customers. Citizens Financial Group Inc has invested in mobile banking services, digital communication, and cloud computing to ensure its competitiveness. Overall, Citizens Financial Group Inc offers a comprehensive range of financial services and products to meet the needs of its customers and improve their business and finances. The company has a wide range of services, allowing it to target a larger audience and markets.

What is the Citizens Financial Group dividend?

Citizens Financial Group pays a dividend of 1.62 USD distributed over 4 payouts per year.

How often does Citizens Financial Group pay dividends?

Citizens Financial Group pays out a dividend 4 times a year.

What is the Citizens Financial Group ISIN?

The ISIN of Citizens Financial Group is US1746101054.

What is the Citizens Financial Group WKN?

The WKN of Citizens Financial Group is A12BD3.

What is the Citizens Financial Group ticker?

The ticker of Citizens Financial Group is CFG.

How much dividend does Citizens Financial Group pay?

Over the past 12 months, Citizens Financial Group paid a dividend of 1.68 USD . This corresponds to a dividend yield of about 3.37 %. For the coming 12 months, Citizens Financial Group is expected to pay a dividend of 1.76 USD.

What is the dividend yield of Citizens Financial Group?

The current dividend yield of Citizens Financial Group is 3.37 %.

When does Citizens Financial Group pay dividends?

Citizens Financial Group pays a quarterly dividend. This is distributed in the months of February, May, August, November.

How secure is the dividend of Citizens Financial Group?

Citizens Financial Group paid dividends every year for the past 15 years.

What is the dividend of Citizens Financial Group?

For the upcoming 12 months, dividends amounting to 1.76 USD are expected. This corresponds to a dividend yield of 3.7 %.

In which sector is Citizens Financial Group located?

Citizens Financial Group is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Citizens Financial Group kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Citizens Financial Group from 11/13/2024 amounting to 0.42 USD, you needed to have the stock in your portfolio before the ex-date on 10/30/2024.

When did Citizens Financial Group pay the last dividend?

The last dividend was paid out on 11/13/2024.

What was the dividend of Citizens Financial Group in the year 2023?

In the year 2023, Citizens Financial Group distributed 1.62 USD as dividends.

In which currency does Citizens Financial Group pay out the dividend?

The dividends of Citizens Financial Group are distributed in USD.

All fundamentals about Citizens Financial Group

Our stock analysis for Citizens Financial Group Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Citizens Financial Group Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.