Price Alert

Citizens Financial Group ... (CFG)

NYSE: CFG · Real-Time Price · USD

48.64

-0.57 (-1.16%)

At close: Aug 15, 2025, 12:15 PM

Citizens Financial Statistics

Share Statistics

Citizens Financial has 431.35M shares outstanding. The number of shares has increased by -3.27% in one year.

Shares Outstanding	431.35M
Shares Change (YoY)	-3.27%
Shares Change (QoQ)	-0.8%
Owned by Institutions (%)	92.89%
Shares Floating	427.53M
Failed to Deliver (FTD) Shares	18
FTD / Avg. Volume	n/a

Short Selling Information

The latest short interest is 12.8M, so 2.96% of the outstanding shares have been sold short.

Short Interest	12.8M
Short % of Shares Out	2.96%
Short % of Float	3.9%
Short Ratio (days to cover)	2.32

Valuation Ratios

The PE ratio is 13.07 and the forward PE ratio is 9.55. Citizens Financial's PEG ratio is -4.1.

PE Ratio	13.07
Forward PE	9.55
PS Ratio	1.6
Forward PS	2.3
PB Ratio	0.81
P/FCF Ratio	10.5
PEG Ratio	-4.1

Financial Ratio History

Enterprise Valuation

Citizens Financial has an Enterprise Value (EV) of 20.89B.

EV / Sales	1.69
EV / EBITDA	8.75
EV / EBIT	10.44
EV / FCF	11.12

Financial Position

The company has a current ratio of 0.25, with a Debt / Equity ratio of 0.51.

Current Ratio	0.25
Quick Ratio	0.25
Debt / Equity	0.51
Debt / EBITDA	5.2
Debt / FCF	6.6
Interest Coverage	0.41

Financial Efficiency

Return on Equity is 6.22% and Return on Invested Capital is 3.53%.

Return on Equity	6.22%
Return on Assets	0.69%
Return on Invested Capital	3.53%
Revenue Per Employee	$713.08K
Profits Per Employee	$87.15K
Employee Count	17,315
Asset Turnover	0.06
Inventory Turnover	n/a

Taxes

Income Tax	379M
Effective Tax Rate	20.07%

Stock Price Statistics

The stock price has increased by 18.86% in the last 52 weeks. The beta is 1.12, so Citizens Financial's price volatility has been higher than the market average.

Beta	1.12
52-Week Price Change	18.86%
50-Day Moving Average	45.14
200-Day Moving Average	43.53
Relative Strength Index (RSI)	51.29
Average Volume (20 Days)	5,073,979

Income Statement

In the last 12 months, Citizens Financial had revenue of 12.35B and earned 1.51B in profits. Earnings per share was 3.04.

Revenue	12.35B
Gross Profit	7.11B
Operating Income	1.89B
Net Income	1.51B
EBITDA	2.39B
EBIT	1.89B
Earnings Per Share (EPS)	3.04

Full Income Statement

Balance Sheet

The company has 11.24B in cash and 12.4B in debt, giving a net cash position of -1.17B.

Cash & Cash Equivalents	11.24B
Total Debt	12.4B
Net Cash	-1.17B
Retained Earnings	10.41B
Total Assets	218.31B
Working Capital	-132.13B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 2B and capital expenditures -122M, giving a free cash flow of 1.88B.

Operating Cash Flow	2B
Capital Expenditures	-122M
Free Cash Flow	1.88B
FCF Per Share	4.17

Full Cash Flow Statement

Margins

Gross margin is 57.56%, with operating and profit margins of 15.29% and 12.22%.

Gross Margin	57.56%
Operating Margin	15.29%
Pretax Margin	15.29%
Profit Margin	12.22%
EBITDA Margin	19.32%
EBIT Margin	15.29%
FCF Margin	15.22%

Dividends & Yields

CFG pays an annual dividend of $2.1, which amounts to a dividend yield of 3.52%.

Dividend Per Share	$2.10
Dividend Yield	3.52%
Dividend Growth (YoY)	0%
Payout Ratio	64.02%
Earnings Yield	7.65%
FCF Yield	9.53%

Dividend Details

Analyst Forecast

The average price target for CFG is $53, which is 12.9% higher than the current price. The consensus rating is "Buy".

Price Target	$53
Price Target Difference	12.9%
Analyst Consensus	Buy
Analyst Count	16

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$19.73
Lynch Upside	-57.98%
Graham Number	63.67
Graham Upside	35.61%

Scores

Altman Z-Score	-0.51
Piotroski F-Score	6