Skip to main content
CFG logo

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) Financial Statements

GoodMoat Analysis

Based on data as of March 26, 2026

Citizens Financial Group exhibits a mixed but generally stable financial profile for a regional bank. While profitability and cash flow generation are strong, key return metrics like ROE are currently below value investing thresholds. The balance sheet is conservatively leveraged, providing a solid foundation.

Read full analysis
The company's financial quality shows clear strengths in profitability and cash flow. An operating margin of 30.5% and a profit margin of 22.1% indicate efficient operations. Free cash flow generation is robust, with an 8.0% FCF yield suggesting strong conversion of earnings to cash available for shareholders, which is favourable for a capital-intensive business like banking. The balance sheet is healthy, with a Debt/Equity ratio of 0.43, which is well below the framework's cautionary threshold of 1.0x Debt/EBITDA, indicating a conservative leverage profile. However, the Return on Equity (ROE) of 6.4% is a notable weakness, falling significantly short of the framework's high-quality benchmark of 15-20% and suggesting capital is not being deployed at premium returns currently. Growth is present but moderate, with revenue growing at 10.7% YoY, which is positive but not at the accelerated or sustained >20% rate the framework associates with high-growth trajectories. Overall, the financial picture is one of a stable, cash-generative institution with room for improvement in capital efficiency. Analysis based on data as of 2024-05-15.

CFG Financial Data

EBITDA$2.66B
Revenue (TTM)$7.64B
Gross Profit (TTM)$7.64B
Gross Margin
Operating Margin30.48%
ROE6.41%
ROA0.75%
Debt/Equity0.43
Current Ratio
FCF$2.04B
FCF Yield7.78%
Piotroski F-Score
Rev/Share (TTM)$17.79
50-Day MA$61.52
200-Day MA$53.85
Shares Outstanding0.43B

CFG Computed Insights

FCF$2.04B
FCF Growth Rate4.08%
EPS Growth (CAGR)4.08%
WACC10.00%

Income Statement

Balance Sheet

Cash Flow Statement

CFG Financial Statements & Data

Citizens Financial Group Inc (CFG) financial data including income statement, balance sheet, and cash flow statement. This page provides a comprehensive view of Citizens Financial Group Inc's financial performance and position as a Financial Services company.

Trailing twelve-month (TTM) revenue is $7.64B. Gross profit (TTM) is $7.64B. EBITDA is $2.66B. Earnings per share (EPS) is $3.86. The P/E ratio is 15.52. Market capitalization is $26.19B.

Free cash flow (FCF) is $2.04B. FCF growth rate is 4.08%. EPS growth CAGR is 4.08%. Weighted average cost of capital (WACC) is 10.00%.

Historical revenue data covers 7 years from FY19 to FY25. Net income history spans 7 years. Free cash flow and capital expenditure data spans 7 years. GoodMoat displays interactive charts for revenue, net income, FCF vs CAPEX, and cash-to-debt ratios to help investors identify financial trends.

Use Citizens Financial Group Inc's financial data to assess the company's earnings quality, balance sheet health, and cash generation. Compare key metrics across periods to identify trends before making investment decisions with GoodMoat's valuation tools.