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Citizens Financial Group, Inc.

CFG Financial Banks Regional

Citizens Financial Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $12.1 billion, down 2.47% from fiscal 2024. In the quarter to June 2026, revenue grew 6.25%, EPS grew 40.9%, free cash flow fell 17.4% and total debt rose 21.3%, each against the same quarter a year earlier. Member of the S&P 500; dividend growth for three consecutive years.

63.36 0.07 −0.11%
Market cap
$26.7B
P/E
13.6×
Fwd P/E
12.3×
Dividend yield
2.90%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios Filings 10-Q 10-K

Insider Decisions trades per month

Total sells 10.47
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — 1 — 1 — 1 — — —
Insider Ownership 1.29%

Capital & Financial Ratios $m

Market Cap 26,720.00
Revenue 12,375.00
Net Income 2,126.00
Free Cash Flow 2,320.00
Net Debt 1,323.00
Current Ratio 0.86
Debt/Equity 0.58
P/E ratio 13.63
Fwd P/E 12.30
P/S ratio 2.17
P/B ratio 1.11
Past 5Y EPS Growth 11.70%
This Y EPS Growth 37.34% (at or above 15%: strong)
Next Y EPS Growth 22.42% (at or above 15%: strong)
Next Y revenue growth (23.87%) (below 0%: weak)
Next 5Y EPS Growth 25.08% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 60.41%
10-year low 10-year high
P/S against its own 10 years 47.40%
10-year low 10-year high
P/B against its own 10 years 93.29%
10-year low 10-year high

Dividends

Payout Ratio 0.40
Annual Dividend Rate 1.84
Annual Dividend Yield 2.90%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.89
0.46
0.46
0.46
2025 1.72
0.42
0.42
0.42
0.46
2024 1.68
0.42
0.42
0.42
0.42
2023 1.68
0.42
0.42
0.42
0.42
2022 15.75
0.39
0.39
0.42
14.13
0.42
2021 1.56
0.39
0.39
0.39
0.39
2020 1.56
0.39
0.39
0.39
0.39
2019 1.36
0.32
0.32
0.36
0.36
2018 0.98
0.22
0.22
0.27
0.27
2017 0.64
0.14
0.14
0.18
0.18
2016 0.46
0.10
0.12
0.12
0.12
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 12,033 11,236 13,688 13,867
Receivables — — — —
Inventory — — — —
Other — — — —
156,673 149,236 155,635 160,847
2023 2024 2025 Q'26
Payables 177,342 174,776 183,313 185,620
ST’ Debt — — — —
Other — — — —
177,847 174,776 183,371 186,779

Compound Annual Growth %

10y 5y 3y
Sales 8.62% 9.45% 9.96%
Cash Flow 6.05% 81.91% (18.73%)
Earnings 7.32% 12.18% (4.86%)
Book Value 2.97% 3.03% 3.57%

Revenue $m

Mar Jun Sep Dec Year
’26 3,026 3,195 — — —
’25 2,896 3,007 3,088 3,066 12,057
’24 3,127 3,128 3,071 3,036 12,362
’23 2,887 3,037 3,087 3,176 12,187
’22 1,711 2,120 2,481 2,757 9,069
’21 1,758 1,696 1,736 1,796 6,986
’20 1,975 1,940 1,934 1,827 7,676
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 237 726 — — —
’25 (213) 886 1,696 (158) 2,211
’24 554 834 130 483 2,001
’23 1,154 122 1,015 670 2,961
’22 1,554 (1,876) 3,000 1,441 4,119
’21 (690) 580 1,280 1,105 2,275
’20 (1,327) (86) 658 866 111
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 237 705 — — —
’25 (227) 853 1,661 (250) 2,037
’24 544 804 96 435 1,879
’23 1,102 83 982 622 2,789
’22 1,503 (1,881) 2,915 1,456 3,993
’21 (700) 558 1,253 1,040 2,151
’20 (1,343) (123) 712 747 (7)
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 1.13 1.30 — — —
’25 0.77 0.92 1.05 1.13 3.86
’24 0.65 0.78 0.77 0.83 3.03
’23 1.00 0.92 0.85 0.34 3.13
’22 0.93 0.67 1.23 1.25 4.10
’21 1.37 1.44 1.18 1.17 5.16
’20 0.03 0.53 0.68 0.99 2.22
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 18.04 31.51 27.62 29.27 14.12 34.92 32.66 22.77 30.24 32.60

Analyst estimates 2026–2028

Powerpack
High 36.56 42.93 48.23 40.92 41.29 51.54 57.00 44.82 49.25 60.10
People
People Employees 17,600 17,600 18,100 18,000 17,407 17,463 18,889 17,570 17,287 17,398
Revenue/emp, $m 0.33 0.37 0.41 0.45 0.44 0.40 0.48 0.69 0.72 0.69
Income, $m
Income, $m Revenue 5,763 6,454 7,354 8,066 7,676 6,986 9,069 12,187 12,362 12,057
Gross margin, % 91.19 88.43 83.33 80.47 89.96 95.15 88.44 67.48 63.17 68.40
EBT 1,534 1,912 2,183 2,251 1,298 2,977 2,655 2,030 1,888 2,328
EBT margin, % 26.62 29.63 29.68 27.91 16.91 42.61 29.28 16.66 15.27 19.31
Net income 1,045 1,652 1,721 1,791 1,057 2,319 2,073 1,608 1,509 1,831
Depreciation 515 487 489 633 578 625 565 478 498 478
Per share, $
Per share, $ Revenue 11.04 12.85 15.36 17.94 17.97 16.41 19.05 25.65 27.43 27.83
Earnings 1.97 3.26 3.54 3.82 2.22 5.18 4.12 3.14 3.05 3.90
Cash flow 2.85 3.75 3.69 3.77 0.26 5.34 8.65 6.23 4.44 5.10
Capex (0.57) (0.88) (0.48) (0.21) (0.28) (0.29) (0.26) (0.36) (0.27) (0.40)
Free cash flow 2.28 2.87 3.21 3.56 (0.02) 5.05 8.39 5.87 4.17 4.70
Book value 37.82 40.37 43.48 49.37 53.09 55.02 49.77 51.24 53.82 60.75
Shares, m 522 502 479 450 427 426 476 475 451 433
Valuation, ×
Valuation, × P/E 18.11 13.05 8.40 10.63 16.04 9.12 9.62 10.74 14.35 14.94
P/S 3.25 3.32 1.94 2.26 1.99 2.88 2.07 1.31 1.60 2.10
P/B 0.96 1.07 0.71 0.89 0.74 0.94 0.87 0.71 0.89 1.05
EV/Sales 4.75 4.64 3.53 3.55 1.38 2.52 2.63 1.42 1.69 1.89
EV/FCF 23.00 20.77 20.03 21.02 (42.83) 9.19 6.36 6.81 12.74 12.71
Cash, $m
Cash, $m Operating cash flow 1,490 1,883 1,767 1,697 111 2,275 4,119 2,961 2,001 2,211
Capex (300) (440) (232) (95) (118) (124) (126) (172) (122) (174)
Free cash flow 1,190 1,443 1,535 1,602 (7) 2,151 3,993 2,789 1,879 2,037
Balance, $m
Balance, $m Working capital (2,962) (4,437) 68 (738) (9,718) (15,088) (14,216) (21,174) (25,540) (27,736)
Total debt 12,790 11,765 15,925 14,047 8,346 6,932 15,887 13,467 12,401 11,224
Net debt 8,647 8,541 11,703 10,364 (4,693) (2,542) 5,037 1,434 1,165 (2,464)
Shareholders’ equity 19,747 20,270 20,817 22,201 22,673 23,420 23,690 24,342 24,254 26,317
Returns, %
Returns, % ROA 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
ROE 5.30 8.29 8.46 8.46 4.60 10.48 9.10 6.78 6.17 7.28
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Citizens Financial Group, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
SHG Shinhan Financial Group Co Ltd $33.1B 9.5× 9.1× +27.14% (above 0%: growing) +10.37% (above 0%: growing) +120.93% (above 0%: growing) 63.24% 0.00% Compare
MTB M&T Bank Corporation $31.6B 11.3× 11.9× +2.07% (above 0%: growing) +25.59% (above 0%: growing) +52.44% (above 0%: growing) 75.36% 0.00% Compare
HBAN Huntington Bancshares Incorporated $31.0B 11.6× 11.3× +37.66% (above 0%: growing) −2.86% (below 0%: shrinking) +105.40% (above 0%: growing) 68.08% 0.00% Compare
BAP Credicorp Ltd. $30.9B 14.5× 10.9× +12.23% (above 0%: growing) +16.83% (above 0%: growing) +76.09% (above 0%: growing) 82.34% 0.00% Compare
BBDO Banco Bradesco SA $28.5B 8.6× — +32.31% (above 0%: growing) +30.00% (above 0%: growing) −266.98% (below 0%: shrinking) 36.36% 0.00% Compare
CFG Citizens Financial Group, Inc. $26.7B 13.6× 12.3× +6.25% (above 0%: growing) +40.86% (above 0%: growing) −17.35% (below 0%: shrinking) 71.46% 0.00%
RF Regions Financial Corporation $23.3B 11.1× 10.9× −2.14% (below 0%: shrinking) +8.47% (above 0%: growing) −39.63% (below 0%: shrinking) 80.19% 0.00% Compare
FCNCA First Citizens BancShares, Inc. $23.3B 11.4× 11.8× +0.11% (above 0%: growing) +31.07% (above 0%: growing) +28.65% (above 0%: growing) 67.05% 0.00% Compare
BBD Banco Bradesco SA $22.5B 9.4× 6.5× +32.31% (above 0%: growing) +30.00% (above 0%: growing) −266.98% (below 0%: shrinking) 36.36% 0.00% Compare
Median of peers $29.7B 11.2× 10.9× +19.69% +21.21% +40.55% 67.57% 0.00%

All 323 Banks Regional stocks →

CFG metrics, ten years each

Citizens Financial Group, Inc. (CFG) key facts

  • Concern: Citizens Financial Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $12.1 billion, down 2.47% from fiscal 2024.
  • Citizens Financial Group, Inc. (CFG) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, CFG traded at $63.36, a market capitalization of $26.7 billion.
  • Citizens Financial Group, Inc. pays an annual dividend of $1.84 per share, a yield of 2.90%, with a payout ratio of 39.9%.
  • Return on equity was 7.28% and debt-to-equity 0.58.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Citizens Financial Group, Inc. (CFG) Latest News

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stockrow.com/CFG · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com