Citizens Financial Group, Inc. logo CFG - Citizens Financial Group, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY 0
BUY 31
HOLD 6
SELL 1
STRONG
SELL 0
| PRICE TARGET: $72.42 DETAILS
HIGH: $80.00
LOW: $65.00
MEDIAN: $73.00
CONSENSUS: $72.42
UPSIDE: 15.15%
Annual Quarterly
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011
Revenue
Revenue 11,148 12,347 12,187 9,069 6,986 7,676 8,066 7,354 6,454 5,763 5,276 5,054 5,133 5,513 5,915
Cost of Revenue 3,372 5,240 4,650 1,522 (72) 2,387 1,968 1,552 1,068 877 754 682 922 1,032 1,766
Gross Profit 7,776 7,107 7,537 7,547 7,058 5,289 6,098 5,802 5,386 4,886 4,522 4,372 4,211 4,481 4,149
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 3,096 2,989 2,951 2,811 2,309 2,289 2,138 2,113 2,008 1,932 1,852 1,859 1,813 1,927 1,842
Other Expenses 2,352 2,230 2,556 2,081 1,772 1,702 1,709 1,506 1,466 1,420 1,407 1,245 5,866 1,530 1,529
Operating Expenses 5,448 5,219 5,507 4,892 4,081 3,991 3,847 3,619 3,474 3,352 3,259 3,104 7,679 3,457 3,371
Operating Income
Operating Income 2,328 1,888 2,030 2,655 2,977 1,298 2,251 2,183 1,912 1,534 1,263 1,268 (3,468) 1,024 778
Interest Expense 3,810 4,553 3,963 1,048 339 771 1,575 1,226 747 508 452 363 443 619 884
Interest Income 9,663 10,186 10,204 7,060 4,851 5,357 6,189 5,758 4,920 4,266 3,854 3,664 3,501 3,846 4,204
Profitability
EBITDA 2,694 2,386 2,508 3,220 3,602 1,876 2,884 2,672 2,399 2,049 1,734 1,654 (3,064) 1,491 1,212
EBIT 2,328 1,888 2,030 2,655 2,977 1,298 2,251 2,183 1,912 1,534 1,263 1,268 (3,468) 1,024 778
Income Before Tax 2,328 1,888 2,030 2,655 2,977 1,298 2,251 2,183 1,912 1,534 1,263 1,268 (3,468) 1,024 778
Income Tax Expense 497 379 422 582 658 241 460 462 260 489 423 403 (42) 381 272
Net Income 1,831 1,509 1,608 2,073 2,319 1,057 1,791 1,721 1,652 1,045 840 865 (3,426) 643 506
Per Share Data
EPS (Basic) 3.90 3.04 3.14 4.12 5.18 2.22 3.82 3.54 3.26 1.97 1.55 1.55 -6.12 1.15 0.90
EPS (Diluted) 3.86 3.03 3.13 4.10 5.16 2.22 3.81 3.52 3.25 1.97 1.55 1.55 -6.12 1.15 0.90
Shares Outstanding 431.4 450.7 475.1 476.0 425.7 427.1 449.7 478.8 502.2 522.1 535.6 556.7 559.8 560.0 560.0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Current Assets
Cash & Cash Equivalents 12,727 11,236 12,033 10,850 9,474 13,039 3,683 4,222 3,224 4,143
Short-Term Investments 36,658 32,613 29,667 23,737 25,427 22,393 20,254 19,532 20,066 19,245
Net Receivables 141,947 1,027 1,148 1,456 1,540 1,916 2,518 2,881 3,144 3,705
Inventory 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0
Total Current Assets 191,332 44,876 42,848 36,043 36,441 37,348 26,455 26,635 26,434 27,093
Non-Current Assets
Property, Plant & Equipment 915 875 895 844 768 759 761 791 685 601
Goodwill 8,187 8,187 8,188 8,173 7,116 7,050 7,044 6,923 6,887 6,876
Intangible Assets 115 146 157 197 64 0 0 0 0 0
Long-Term Investments 7,933 145,897 152,912 164,771 131,714 127,740 122,408 118,527 112,439 109,147
Other Non-Current Assets 17,869 17,540 16,964 16,705 12,306 10,452 9,065 7,642 5,891 5,803
Total Non-Current Assets 35,019 172,645 179,116 190,690 151,968 146,001 139,278 133,883 125,902 122,427
Total Assets 226,351 217,521 221,964 226,733 188,409 183,349 165,733 160,518 152,336 149,520
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 58 1,988 505 3 74 243 274 2,809 2,671 4,359
Deferred Revenue 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 183,313 174,776 177,342 180,724 154,361 147,164 125,313 119,575 115,089 109,804
Total Current Liabilities 183,371 176,764 177,847 180,727 154,435 147,407 125,587 122,384 117,760 114,163
Non-Current Liabilities
Long-Term Debt 11,224 10,413 13,467 15,887 6,932 8,346 14,047 14,433 11,765 12,790
Deferred Tax Liabilities 0 0 0 0 0 629 866 573 571 714
Other Non-Current Liabilities 5,439 6,090 6,308 6,429 3,622 4,294 3,032 2,311 1,970 2,106
Total Non-Current Liabilities 16,663 16,503 19,775 22,316 10,554 13,269 17,945 17,317 14,306 15,610
Total Liabilities 200,034 193,267 197,622 203,043 164,989 160,676 143,532 139,701 132,066 129,773
Stockholders' Equity
Common Stock 7 7 6 6 6 6 6 6 6 6
Retained Earnings 11,345 10,412 9,816 9,159 7,978 6,445 6,498 5,385 4,164 2,703
Accumulated Other Comprehensive Income (1,970) (3,595) (3,758) (4,560) (665) (60) (411) (1,096) (820) (668)
Total Stockholders' Equity 26,317 24,254 24,342 23,690 23,420 22,673 22,201 20,817 20,270 19,747
Total Liabilities & Equity 226,351 217,521 221,964 226,733 188,409 183,349 165,733 160,518 152,336 149,520
Debt Metrics
Total Debt 11,282 12,401 13,972 15,890 7,006 8,589 14,321 17,242 14,436 17,149
Net Debt (1,445) 1,165 1,939 5,040 (2,468) (4,450) 10,638 13,020 11,212 13,006
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Operating Activities
Net Income 1,831 1,509 1,608 2,073 2,319 1,057 1,791 1,721 1,652 1,045
Depreciation & Amortization 478 498 478 565 625 578 633 489 487 515
Stock-Based Compensation 120 97 87 84 59 48 41 41 48 23
Change in Working Capital (306) (571) 273 (858) (962) (2,978) (522) (914) (621) (333)
Other Non-Cash Items 170 645 757 2,198 663 1,644 (310) 333 453 87
Operating Cash Flow 2,211 2,001 2,961 4,119 2,275 111 1,697 1,767 1,883 1,490
Investing Activities
Capital Expenditure (174) (122) (172) (126) (124) (118) (95) (232) (440) (303)
Acquisitions 0 0 0 (255) (165) (3) (129) (533) 0 0
Purchases of Investments (9,463) (9,755) (10,087) (10,776) (12,406) (9,271) (8,422) (4,270) (6,291) (8,599)
Sales/Maturities of Investments 7,815 7,585 5,703 5,635 9,606 8,425 9,360 4,778 6,178 6,778
Other Investing Activities (4,319) 5,279 9,804 (7,115) (7,397) (5,169) (4,558) (6,820) (3,618) (9,367)
Investing Cash Flow (5,967) 2,987 5,248 (12,637) (10,486) (6,136) (3,875) (7,077) (3,984) (11,326)
Financing Activities
Net Debt Issuance (1,152) (1,606) (1,933) 4,831 (1,506) (5,738) (3,055) 2,796 (2,347) 3,529
Stock Repurchased (1,000) (1,350) (906) (153) (295) (270) (1,220) (1,025) (820) (430)
Dividends Paid (888) (903) (928) (892) (783) (770) (682) (485) (336) (255)
Other Financing Activities 8,529 (2,548) (3,361) 6,121 7,174 21,755 5,717 4,473 4,932 7,611
Financing Cash Flow 5,882 (6,015) (7,128) 9,907 4,636 15,372 1,490 6,352 1,429 10,455
Cash Position
Net Change in Cash 2,126 (1,027) 1,081 1,389 (3,575) 9,347 (688) 1,042 (672) 619
Cash at Beginning 10,601 11,628 10,547 9,158 12,733 3,386 4,074 3,032 3,704 3,085
Cash at End 12,727 10,601 11,628 10,547 9,158 12,733 3,386 4,074 3,032 3,704
Free Cash Flow 2,037 1,879 2,789 3,993 2,151 (7) 1,602 1,535 1,443 1,187
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011
Income Statement
Revenue 11,148 12,347 12,187 9,069 6,986 7,676 8,066 7,354 6,454 5,763 5,276 5,054 5,133 5,513 5,915
Gross Profit 7,776 7,107 7,537 7,547 7,058 5,289 6,098 5,802 5,386 4,886 4,522 4,372 4,211 4,481 4,149
Operating Income 2,328 1,888 2,030 2,655 2,977 1,298 2,251 2,183 1,912 1,534 1,263 1,268 (3,468) 1,024 778
Net Income 1,831 1,509 1,608 2,073 2,319 1,057 1,791 1,721 1,652 1,045 840 865 (3,426) 643 506
EPS (Diluted) 3.86 3.03 3.13 4.10 5.16 2.22 3.81 3.52 3.25 1.97 1.55 1.55 -6.12 1.15 0.90
Balance Sheet
Cash & Equivalents 12,727 11,236 12,033 10,850 9,474 13,039 3,683 4,222 3,224 4,143
Total Assets 226,351 217,521 221,964 226,733 188,409 183,349 165,733 160,518 152,336 149,520
Total Debt 11,282 12,401 13,972 15,890 7,006 8,589 14,321 17,242 14,436 17,149
Stockholders' Equity 26,317 24,254 24,342 23,690 23,420 22,673 22,201 20,817 20,270 19,747
Cash Flow
Operating Cash Flow 2,211 2,001 2,961 4,119 2,275 111 1,697 1,767 1,883 1,490
Capital Expenditure (174) (122) (172) (126) (124) (118) (95) (232) (440) (303)
Free Cash Flow 2,037 1,879 2,789 3,993 2,151 (7) 1,602 1,535 1,443 1,187