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Citizens Financial Group Inc

Exchange: NYSESector: Financial ServicesIndustry: Banks - Regional

Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions, with $220.1 billion in assets as of March 31, 2025. Headquartered in Providence, Rhode Island, Citizens offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. Citizens helps its customers reach their potential by listening to them and by understanding their needs in order to offer tailored advice, ideas and solutions. In Consumer Banking, Citizens provides an integrated experience that includes mobile and online banking, a full-service customer contact center and the convenience of approximately 3,100 ATMs and approximately 1,000 branches in 14 states and the District of Columbia. Consumer Banking products and services include a full range of banking, lending, savings, wealth management and small business offerings. In Commercial Banking, Citizens offers a broad complement of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets capabilities.

Did you know?

Holds 1.2x more cash than debt — a strong balance sheet.

Current Price

$60.99

+0.69%

GoodMoat Value

$85.16

39.6% undervalued
Profile
Valuation (TTM)
Market Cap$26.19B
P/E15.52
EV$22.50B
P/B1.00
Shares Out429.49M
P/Sales3.43
Revenue$7.64B
EV/EBITDA8.93

Citizens Financial Group Inc (CFG) Dividends

GoodMoat Analysis

Based on data as of March 26, 2026

Citizens Financial's dividend profile is fundamentally sound for an income-focused value investor. The dividend appears sustainable with a moderate payout ratio and is supported by a strong free cash flow yield. However, the yield is slightly below the regional bank sector average, and dividend growth is modest relative to the company's earnings power.

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The dividend sustainability of Citizens Financial Group is supported by a solid balance sheet and robust free cash flow generation, key Quality Indicators from the investment framework. The company's Debt/Equity ratio of 0.43 is well below the framework's cautionary threshold of 1.0x, indicating a conservative capital structure. More critically, the Free Cash Flow Yield of 8.0% is strong and provides ample coverage for the current dividend payout. A payout ratio based on the provided EPS of $3.86 and the implied annual dividend from the 2.96% yield suggests a conservative payout in the range of 40-50%, leaving significant earnings for reinvestment or further dividend increases. The 2.96% dividend yield is slightly below the typical average for the regional banking sector, which often clusters around 3-4%, making it adequate but not a standout for pure yield seekers. Dividend growth has been modest, tracking behind the company's 10.7% YoY revenue growth, indicating a management preference for a secure and gradually increasing payout rather than aggressive distribution. Overall, the dividend is well-covered by earnings and cash flow, and the strong balance sheet provides resilience, making the income stream reliable under the current economic outlook. Analysis based on data as of 2024-05-15.

Dividend Overview

Dividend Yield

2.88%

Dividend / Share

$1.76

Key Metrics

Market Cap

$26.19B

P/E Ratio

15.52

Forward P/E

EPS

$3.86

PEG Ratio

0.43

Book Value

$61.28

Dividend Yield

2.88%

Profit Margin

22.10%

ROE

6.41%

Dividend History

Dividend Safety

CFG Dividend Analysis

Citizens Financial Group Inc (CFG) dividend analysis including yield, payout history, and sustainability metrics. The current dividend yield is 2.88%. The annual dividend per share is $1.76.

P/E ratio: 15.52. Profit margin: 22.10%. Free cash flow: $2.04B. This page shows Citizens Financial Group Inc's dividend overview, key metrics, historical payout data, and dividend safety assessment to help income-focused investors evaluate the sustainability of dividend payments.

GoodMoat's dividend analyzer evaluates payout ratios, earnings coverage, and free cash flow coverage to determine how well supported Citizens Financial Group Inc's dividend payments are. Use this analysis alongside the company's financial statements and quality score to make informed income-investing decisions.