Citizens Financial Group, Inc. CFG
65.53
0.80
1.24%
as of 25 Sep
- Market cap
- $28.2B
- P/E
- 14.1×
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
18.11 | 13.05 | 8.40 | 10.63 | 16.04 | 9.12 | 9.62 | 10.74 | 14.35 | 14.94 |
P/S ratio |
3.25 | 3.32 | 1.94 | 2.26 | 1.99 | 2.88 | 2.07 | 1.31 | 1.60 | 2.10 |
P/FCF ratio |
15.73 | 14.85 | 10.99 | 13.41 | 0.00 | 10.52 | 5.01 | 6.25 | 12.03 | 14.08 |
P/Operating CF |
64.12 | 49.50 | 25.42 | 25.12 | 17.63 | 18.20 | 13.06 | 23.76 | 40.83 | (160.14) |
P/B ratio |
0.96 | 1.07 | 0.71 | 0.89 | 0.74 | 0.94 | 0.87 | 0.71 | 0.89 | 1.05 |
Price to Tangible BV |
1.48 | 1.63 | 1.09 | 1.34 | 1.12 | 1.41 | 1.41 | 1.14 | 1.43 | 1.59 |
EV/Sales |
4.75 | 4.64 | 3.53 | 3.55 | 1.38 | 2.52 | 2.63 | 1.42 | 1.69 | 1.89 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
18.37 | 15.92 | 14.68 | 16.87 | 95.30 | 7.72 | 5.79 | 5.86 | 10.44 | 10.33 |
EV/FCF |
23.00 | 20.77 | 20.03 | 21.02 | (42.83) | 9.19 | 6.36 | 6.81 | 12.74 | 12.71 |
Quick Ratio |
0.04 | 0.03 | 0.03 | 0.03 | 0.09 | 0.06 | 0.06 | 0.07 | 0.06 | 0.07 |
Current Ratio |
0.97 | 0.96 | 1.00 | 0.99 | 0.93 | 0.90 | 0.92 | 0.88 | 0.85 | 0.85 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
8.55% | 7.72% | 9.92% | 8.48% | 4.55% | 3.68% | 7.01% | 6.07% | 5.70% | 4.96% |
Debt/Equity |
0.65 | 0.58 | 0.77 | 0.63 | 0.37 | 0.30 | 0.67 | 0.55 | 0.51 | 0.43 |
Asset Turnover |
0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.06 | 0.05 |
Operating CF/Net income |
1.45 | 1.15 | 1.04 | 0.99 | 0.12 | 1.03 | 2.10 | 1.99 | 1.46 | 1.31 |
Capex/Depreciation |
(0.58) | (0.90) | (0.47) | (0.15) | (0.20) | (0.20) | (0.22) | (0.36) | (0.24) | (0.36) |
| 5.30% | 8.29% | 8.46% | 8.46% | 4.60% | 10.48% | 9.10% | 6.78% | 6.17% | 7.28% | |
| 0.72% | 1.09% | 1.08% | 1.05% | 0.54% | 1.19% | 0.94% | 0.66% | 0.62% | 0.76% | |
ROIC |
3.38% | 4.15% | 4.20% | 4.32% | 4.51% | 8.91% | 5.78% | 4.92% | 4.64% | 6.10% |
Return on Tangible Assets |
(43.67%) | (43.66%) | 196.97% | 7,469.57% | (10.60%) | (15.41%) | (14.66%) | (7.35%) | (5.56%) | (6.29%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
61.62% | 58.80% | 53.64% | 52.57% | 73.05% | 52.53% | 59.17% | 50.82% | 47.90% | 49.09% |
Intangible Assets out of Total Assets |
0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
Share Based Compensation of Revenue |
0.40% | 0.74% | 0.56% | 0.51% | 0.63% | 0.84% | 0.93% | 0.71% | 0.78% | 1.00% |
Graham Net Nets |
(0.99) | (0.87) | (1.32) | (1.02) | (1.51) | (1.27) | (1.94) | (2.57) | (2.23) | (1.75) |
Graham Number |
40.79 | 54.16 | 57.65 | 62.79 | 49.33 | 76.56 | 64.90 | 57.44 | 58.06 | 70.11 |
Earnings Yield |
5.52% | 7.66% | 11.91% | 9.41% | 6.24% | 10.96% | 10.40% | 9.31% | 6.97% | 6.69% |
Free Cash Flow Yield |
6.36% | 6.73% | 9.10% | 7.46% | (1.62%) | 9.50% | 19.95% | 16.01% | 8.31% | 7.10% |
Revenue per Share |
11.04 | 12.85 | 15.36 | 17.94 | 17.97 | 16.41 | 19.05 | 25.65 | 27.43 | 27.83 |
Operating CF per Share |
2.85 | 3.75 | 3.69 | 3.77 | 0.26 | 5.34 | 8.65 | 6.23 | 4.44 | 5.10 |
Capex per Share |
(0.57) | (0.88) | (0.48) | (0.21) | (0.28) | (0.29) | (0.26) | (0.36) | (0.27) | (0.40) |
Free Cash Flow per Share |
2.28 | 2.87 | 3.21 | 3.56 | (0.02) | 5.05 | 8.39 | 5.87 | 4.17 | 4.70 |
Cash per Share |
7.94 | 6.42 | 8.82 | 8.19 | 30.53 | 22.26 | 22.80 | 25.33 | 24.93 | 31.60 |
Shareholders Equity per Share |
37.82 | 40.37 | 43.48 | 49.37 | 53.09 | 55.02 | 49.77 | 51.24 | 53.82 | 60.75 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
37.82 | 40.37 | 43.48 | 49.37 | 53.09 | 55.02 | 49.77 | 51.24 | 53.82 | 60.75 |
Free Cash Flow |
1,190.00 | 1,443.00 | 1,535.00 | 1,602.00 | (7.00) | 2,151.00 | 3,993.00 | 2,789.00 | 1,879.00 | 2,037.00 |
Working Capital |
(2,962.00) | (4,437.00) | 68.00 | (738.00) | (9,718.00) | (15,088.00) | (14,216.00) | (21,174.00) | (25,540.00) | (27,736.00) |
Capital Expenditures |
(300.00) | (440.00) | (232.00) | (95.00) | (118.00) | (124.00) | (126.00) | (172.00) | (122.00) | (174.00) |
Net Current Asset Value |
(18,572.00) | (18,743.00) | (18,741.00) | (18,683.00) | (22,987.00) | (25,642.00) | (36,532.00) | (40,949.00) | (44,031.00) | (44,399.00) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.05 | 0.07 | 0.03 | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 |
Net Profit Margin |
17.89% | 25.38% | 23.01% | 21.30% | 12.38% | 31.58% | 21.61% | 12.23% | 11.10% | 14.00% |
Price to Operating Income |
12.20 | 12.05 | 6.52 | 8.11 | 11.77 | 6.76 | 7.09 | 7.84 | 10.45 | 10.87 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.86 | 0.71 | 0.62 | 0.83 | 0.76 | 0.81 | 0.67 | 0.53 | 0.57 | 0.52 |
Cash ROIC |
2.42% | 3.40% | 2.38% | 2.34% | (1.47%) | 3.78% | 6.49% | 4.15% | 2.35% | 2.53% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.02 | 0.03 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
78,894.61 | 56,234.92 | 35,599.41 | 29,040.79 | 69,669.08 | 166,199.90 | 62,943.00 | 16,333.54 | 14,011.25 | 17,561.48 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
106,171.50 | 112,446.50 | 117,332.00 | 122,444.00 | 136,238.50 | 150,762.50 | 167,542.50 | 179,033.00 | 176,059.00 | 179,044.50 |
Average Assets |
143,864.00 | 150,928.00 | 156,427.00 | 163,125.50 | 174,541.00 | 185,879.00 | 207,571.00 | 224,348.50 | 219,742.50 | 221,936.00 |
Average Common Equity |
19,449.50 | 19,761.50 | 20,000.00 | 20,304.00 | 20,669.50 | 21,057.00 | 21,541.00 | 22,002.00 | 22,234.50 | 23,173.50 |
Columns are period end dates