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: $74.00 DETAILS
HIGH: $80.00
LOW: $70.00
MEDIAN: $73.00
CONSENSUS: $74.00
UPSIDE: 8.22%
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 2015 2014 2013 2012
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 3,441 3,646 2,990 3,189
Short-Term Investments 36,658 32,613 29,667 23,737 25,427 22,393 20,254 19,532 20,066 19,245 13,601 18,656 15,995 18,356
Net Receivables 141,947 1,027 1,148 1,456 1,540 1,916 2,518 2,881 3,144 3,705 3,956 3,963 4,226 3,419
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 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 20,998 26,265 23,211 24,964
Non-Current Assets
Property, Plant & Equipment 915 875 895 844 768 759 761 791 685 601 595 595 592 643
Goodwill 8,187 8,187 8,188 8,173 7,116 7,050 7,044 6,923 6,887 6,876 6,876 6,876 6,876 11,311
Intangible Assets 115 146 157 197 64 0 0 0 0 0 0 0 0 0
Long-Term Investments 7,933 145,897 152,912 164,771 131,714 127,740 122,408 118,527 112,439 109,147 100,053 94,343 87,128 85,440
Other Non-Current Assets 17,869 17,540 16,964 16,705 12,306 10,452 9,065 7,642 5,891 5,803 9,686 4,778 4,347 4,695
Total Non-Current Assets 35,019 172,645 179,116 190,690 151,968 146,001 139,278 133,883 125,902 122,427 117,210 106,592 98,943 102,089
Total Assets 226,351 217,521 221,964 226,733 188,409 183,349 165,733 160,518 152,336 149,520 138,208 132,857 122,154 127,053
Current Liabilities
Account Payables 0 0 0 0 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 3,432 10,529 7,042 4,102
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 183,313 174,776 177,342 180,724 154,361 147,164 125,313 119,575 115,089 109,804 102,539 95,707 86,903 95,148
Total Current Liabilities 183,371 176,764 177,847 180,727 154,435 147,407 125,587 122,384 117,760 114,163 105,971 106,236 93,945 99,250
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 9,886 4,642 1,405 694
Deferred Tax Liabilities 0 0 0 0 0 629 866 573 571 714 730 493 199 446
Other Non-Current Liabilities 5,439 6,090 6,308 6,429 3,622 4,294 3,032 2,311 1,970 2,106 1,975 2,218 7,409 2,534
Total Non-Current Liabilities 16,663 16,503 19,775 22,316 10,554 13,269 17,945 17,317 14,306 15,610 12,591 7,353 9,013 3,674
Total Liabilities 200,034 193,267 197,622 203,043 164,989 160,676 143,532 139,701 132,066 129,773 118,562 113,589 102,958 102,924
Stockholders' Equity
Common Stock 7 7 6 6 6 6 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 1,913 1,294 1,235 5,846
Accumulated Other Comprehensive Income (1,970) (3,595) (3,758) (4,560) (665) (60) (411) (1,096) (820) (668) (387) (372) (648) (312)
Total Stockholders' Equity 26,317 24,254 24,342 23,690 23,420 22,673 22,201 20,817 20,270 19,747 19,646 19,268 19,196 24,129
Total Liabilities & Equity 226,351 217,521 221,964 226,733 188,409 183,349 165,733 160,518 152,336 149,520 138,208 132,857 122,154 127,053
Debt Metrics
Total Debt 11,282 12,401 13,972 15,890 7,006 8,589 14,321 17,242 14,436 17,149 13,318 15,171 8,447 4,796
Net Debt (1,445) 1,165 1,939 5,040 (2,468) (4,450) 10,638 13,020 11,212 13,006 9,877 11,525 5,457 1,607
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011
Operating Activities
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
Depreciation & Amortization 478 498 478 565 625 578 633 489 487 515 471 386 404 467 434
Stock-Based Compensation 120 97 87 84 59 48 41 41 48 23 24 53 27 29 0
Change in Working Capital (306) (571) 273 (858) (962) (2,978) (522) (914) (621) (333) (628) (56) 429 (93) 225
Other Non-Cash Items 170 645 757 2,198 663 1,644 (310) 333 453 87 273 1 5,268 362 1,062
Operating Cash Flow 2,211 2,001 2,961 4,119 2,275 111 1,697 1,767 1,883 1,490 1,229 1,390 2,649 1,714 2,479
Investing Activities
Capital Expenditure (174) (122) (172) (126) (124) (118) (95) (232) (440) (303) (299) (311) (368) (371) (368)
Acquisitions 0 0 0 (255) (165) (3) (129) (533) 0 0 0 0 0 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) (7,963) (9,573) (11,224) (5,533) (13,782)
Sales/Maturities of Investments 8,565 7,585 5,703 5,635 9,606 8,425 9,360 4,778 6,178 6,778 8,384 6,832 8,502 9,595 11,809
Other Investing Activities (4,895) 5,279 9,804 (7,115) (7,397) (5,169) (4,558) (6,820) (3,618) (9,367) (6,205) (7,392) 429 (2,965) 307
Investing Cash Flow (5,967) 2,987 5,248 (12,637) (10,486) (6,136) (3,875) (7,077) (3,984) (11,326) (5,905) (10,274) (2,453) 919 (2,034)
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 1,601 7,245 2,461 (5,147) (1,442)
Stock Repurchased (1,000) (1,350) (906) (153) (295) (270) (1,220) (1,025) (820) (430) (500) (334) 0 0 0
Dividends Paid (888) (903) (928) (892) (783) (770) (682) (485) (336) (255) (221) (806) (1,185) (150) 0
Other Financing Activities 8,529 (2,548) (3,361) 6,121 7,174 21,755 5,717 4,473 4,932 7,611 3,358 3,298 (1,778) 2,033 (227)
Financing Cash Flow 5,882 (6,015) (7,128) 9,907 4,636 15,372 1,490 6,352 1,429 10,455 4,485 9,403 (502) (3,264) (1,669)
Cash Position
Net Change in Cash 2,126 (1,027) 1,081 1,389 (3,575) 9,347 (688) 1,042 (672) 619 (191) 519 (306) (631) (1,224)
Cash at Beginning 10,601 11,628 10,547 9,158 12,733 3,386 4,074 3,032 3,704 3,085 3,276 2,757 3,063 3,694 4,918
Cash at End 12,727 10,601 11,628 10,547 9,158 12,733 3,386 4,074 3,032 3,704 3,085 3,276 2,757 3,063 3,694
Free Cash Flow 2,037 1,879 2,789 3,993 2,151 (7) 1,602 1,535 1,443 1,187 930 1,079 2,281 1,343 2,111
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 3,441 3,646 2,990 3,189
Total Assets 226,351 217,521 221,964 226,733 188,409 183,349 165,733 160,518 152,336 149,520 138,208 132,857 122,154 127,053
Total Debt 11,282 12,401 13,972 15,890 7,006 8,589 14,321 17,242 14,436 17,149 13,318 15,171 8,447 4,796
Stockholders' Equity 26,317 24,254 24,342 23,690 23,420 22,673 22,201 20,817 20,270 19,747 19,646 19,268 19,196 24,129
Cash Flow
Operating Cash Flow 2,211 2,001 2,961 4,119 2,275 111 1,697 1,767 1,883 1,490 1,229 1,390 2,649 1,714 2,479
Capital Expenditure (174) (122) (172) (126) (124) (118) (95) (232) (440) (303) (299) (311) (368) (371) (368)
Free Cash Flow 2,037 1,879 2,789 3,993 2,151 (7) 1,602 1,535 1,443 1,187 930 1,079 2,281 1,343 2,111