Stock CFG.PRE CITIZENS FINANCIAL GROUP, INC.
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Financials Citizens Financial Group, Inc. Nyse

Equities

CFG.PRE

US1746104025

Banks

Market Closed - Nyse
Other stock markets
 21:00:02 28/06/2024 BST 		5-day change 1st Jan Change
19.65 USD +0.26% Intraday chart for Citizens Financial Group, Inc. +0.15% -1.11%
06-27 All Banks Passed Fed Stress Tests as Expected, Morgan Stanley Says MT
06-26 US banks suffer steeper losses, but retain large cushions in annual Fed health check RE

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 17,654 15,272 20,138 19,389 15,451 16,394 - -
Enterprise Value (EV) 1 17,654 15,272 20,138 19,389 15,451 16,394 16,394 16,394
P/E ratio 10.7 x 16.1 x 9.16 x 9.6 x 10.6 x 11.5 x 9 x 7.2 x
Yield 3.35% 4.36% 3.3% 4.11% 5.07% 4.73% 4.86% 5%
Capitalization / Revenue 2.72 x 2.21 x 3.03 x 2.42 x 1.88 x 2.08 x 1.95 x 1.81 x
EV / Revenue 2.72 x 2.21 x 3.03 x 2.42 x 1.88 x 2.08 x 1.95 x 1.81 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.85 x 0.74 x 0.93 x 0.89 x 0.69 x 0.72 x 0.67 x 0.62 x
Nbr of stocks (in thousands) 434,719 427,073 426,200 492,491 466,223 455,020 - -
Reference price 2 40.61 35.76 47.25 39.37 33.14 36.03 36.03 36.03
Announcement Date 17/01/20 20/01/21 19/01/22 17/01/23 17/01/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 6,491 6,905 6,647 8,021 8,224 7,875 8,407 9,066
EBITDA - - - - - - - -
EBIT 1 2,712 3,039 2,671 3,422 3,223 2,789 3,151 3,116
Operating Margin 41.78% 44.01% 40.18% 42.66% 39.19% 35.41% 37.48% 34.37%
Earnings before Tax (EBT) 1 2,251 1,298 2,977 2,655 2,030 1,998 2,411 3,061
Net income 1 1,718 950 2,206 1,960 1,491 1,441 1,769 2,216
Net margin 26.47% 13.76% 33.19% 24.44% 18.13% 18.3% 21.04% 24.44%
EPS 2 3.810 2.220 5.160 4.100 3.130 3.127 4.005 5.007
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 1.360 1.560 1.560 1.620 1.680 1.704 1.750 1.802
Announcement Date 17/01/20 20/01/21 19/01/22 17/01/23 17/01/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 1,720 1,645 1,999 2,177 2,200 2,128 2,200 2,014 1,988 1,959 1,949 1,966 2,005 2,016 2,090
EBITDA - - - - - - - - - - - - - - -
EBIT 1 710 587 850 982 1,003 898 861 743 721 683 678.8 705.4 747.2 718.3 786.8
Operating Margin 41.28% 35.68% 42.52% 45.11% 45.59% 42.2% 39.14% 36.89% 36.27% 34.86% 34.83% 35.89% 37.27% 35.63% 37.65%
Earnings before Tax (EBT) 1 684 536 478 813 828 664 612 549 205 430 497.2 509.8 548.6 517.6 594.4
Net income 1 498 396 332 611 621 488 444 430 159 334 362.7 367.6 400.1 369.1 430.9
Net margin 28.95% 24.07% 16.61% 28.07% 28.23% 22.93% 20.18% 21.35% 8% 17.05% 18.61% 18.7% 19.96% 18.31% 20.62%
EPS 2 1.170 0.9300 0.6700 1.230 1.250 1.000 0.9200 0.8500 0.3400 0.6500 0.7821 0.8060 0.8856 0.8215 0.9696
Dividend per Share 2 0.3900 0.3900 0.3900 0.4200 0.4200 0.4200 0.4200 0.4200 0.4200 0.4200 0.4220 0.4318 0.4316 0.4378 0.4378
Announcement Date 19/01/22 19/04/22 19/07/22 19/10/22 17/01/23 19/04/23 19/07/23 18/10/23 17/01/24 17/04/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 8.45% 4.65% 10.5% 9% 10.9% 6.52% 7.64% 9.01%
ROA (Net income/ Total Assets) 1.1% 0.6% 1.25% 0.96% 0.72% 0.68% 0.79% 0.8%
Assets 1 156,182 158,333 176,480 204,167 207,083 210,569 223,340 276,995
Book Value Per Share 2 47.60 48.50 50.70 44.00 47.90 49.90 53.50 58.20
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 17/01/20 20/01/21 19/01/22 17/01/23 17/01/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Citizens Financial Group, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
21
Last Close Price
36.03 USD
Average target price
39.37 USD
Spread / Average Target
+9.26%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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