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Citizens Financial Group Inc/ri (CFG)

63.30USD -0.94% (-0.60)

Over 5Y: +60.1%

Style
Area Line Line with markersshows 1Y Steps Candlesshows 6M Hollow candlesshows 6M Barsshows 6M

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

20 40 60
2022 2023 2024 2025 2026

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›

Citizens Financial Group Inc/ri reported revenue of 451M USD for the quarter ending 30 June 2026, up 17.8% from 383M a year earlier. Every figure, period by period ›

Q3 '21 — Revenue: 307M Q3 '21 — Operating Cash Flow: 1.3B Q3 '21 — Net Income: 530M Q4 '21 — Revenue: 423M Q4 '21 — Operating Cash Flow: 1.1B Q4 '21 — Net Income: 530M Q1 '22 — Revenue: 300M Q1 '22 — Operating Cash Flow: 1.6B Q1 '22 — Net Income: 420M Q2 '22 — Revenue: 339M Q2 '22 — Operating Cash Flow: -1.9B Q2 '22 — Net Income: 364M Q3 '22 — Revenue: 322M Q3 '22 — Operating Cash Flow: 3B Q3 '22 — Net Income: 636M Q4 '22 — Revenue: 338M Q4 '22 — Operating Cash Flow: 1.4B Q4 '22 — Net Income: 653M Q1 '23 — Revenue: 309M Q1 '23 — Operating Cash Flow: 1.2B Q1 '23 — Net Income: 511M Q2 '23 — Revenue: 323M Q2 '23 — Operating Cash Flow: 122M Q2 '23 — Net Income: 478M Q3 '23 — Revenue: 310M Q3 '23 — Operating Cash Flow: 1B Q3 '23 — Net Income: 430M Q4 '23 — Revenue: 324M Q4 '23 — Operating Cash Flow: 670M Q4 '23 — Net Income: 189M Q1 '24 — Revenue: 367M Q1 '24 — Operating Cash Flow: 554M Q1 '24 — Net Income: 334M Q2 '24 — Revenue: 402M Q2 '24 — Operating Cash Flow: 834M Q2 '24 — Net Income: 392M Q3 '24 — Revenue: 367M Q3 '24 — Operating Cash Flow: 130M Q3 '24 — Net Income: 382M Q4 '24 — Revenue: 397M Q4 '24 — Operating Cash Flow: 483M Q4 '24 — Net Income: 401M Q1 '25 — Revenue: 367M Q1 '25 — Operating Cash Flow: -213M Q1 '25 — Net Income: 373M Q2 '25 — Revenue: 383M Q2 '25 — Operating Cash Flow: 886M Q2 '25 — Net Income: 436M Q3 '25 — Revenue: 452M Q3 '25 — Operating Cash Flow: 1.7B Q3 '25 — Net Income: 494M Q4 '25 — Revenue: 433M Q4 '25 — Operating Cash Flow: -158M Q4 '25 — Net Income: 528M Q1 '26 — Revenue: 415M Q1 '26 — Operating Cash Flow: 237M Q1 '26 — Net Income: 517M Q2 '26 — Revenue: 451M Q2 '26 — Operating Cash Flow: 726M Q2 '26 — Net Income: 587M -1B 0 1B 2B 3B
Q4 '21 Q3 '22 Q2 '23 Q1 '24 Q4 '24 Q3 '25 Q2 '26
Revenue Operating Cash Flow Free Cash Flow Net Income

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

6.6
FCF margin 142.8%
OCF margin 142.8%
OE margin 135.5%
Profit margin 121.4%
SBC / sales 7.3%
Accruals -0.16%
ROE 8.1%
ROA 0.91%
Asset turnover 0.0075×

9 of 19 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

9.2
P/C 2.1×
FCF yield 9.4%
P/B 1.0×
PEG 0.41×
EV/OE 12.3×
Div. yield 2.9%
P/E 12.5×
Fwd P/E 12.0×
Shareholder yield 5.6%
EV/Sales 16.6×

9 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

3.8
Revenue growth in the worst year on record -2.5%
Cash-flow margin stability 94.8 pp

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

6.2
F-score 9.0 pts
Net debt / Eq 0.093×
Debt payback 0.97 yr
Debt / Eq 0.58×
Cash / Debt 0.84×
Retained / assets 5.1%
Payout 36.7%
ND/EBITDA -0.084
Equity / Assets 11.2%

9 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

3.9
Shares change -3.7%
EPS next Y +29.1%
EPS Y/Y +38.6%
Sales/sh Y/Y +20.1%
Sales Q/Q +17.8%
Sales CAGR 4Y +5.4%
Div. growth -1.8%
EPS CAGR 4Y -7.0%

8 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.

Companies of a similar size

The nearest by market value among the companies read here whose shares are quoted in USD. Size alone: nothing here says they are in the same business.

WRB W. R. Berkley Corp27.11B KHC Kraft Heinz Co26.73B DTE DTE Energy Co26.71B KGC Kinross Gold Corp26.70B WST West Pharmaceutical Services, Inc.26.47B IHG InterContinental Hotels Group PLC26.46B STRK Strategy Inc26.44B SN Sharkninja, Inc.26.40B

Every listed company from the United States, largest first ›