Citizens Financial Group Ratios and Metrics

Market cap in millions BRL. Fiscal year is January - December.

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 3, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	152,618	138,175	119,276	74,971	102,504	112,203
Market Cap Growth	23.65%	15.85%	59.10%	-26.86%	-8.64%	41.47%
Last Close Price	354.02	322.81	263.59	149.81	188.25	234.07
PE Ratio	16.41	14.86	14.06	10.36	9.89	9.13
PS Ratio	3.63	3.28	2.71	2.05	2.57	2.85
PB Ratio	1.05	0.95	0.80	0.64	0.82	0.86
P/FCF Ratio	-	-	10.26	5.54	4.86	9.36
P/OCF Ratio	-	-	9.64	5.22	4.71	8.85
Debt / Equity Ratio	0.43	0.43	0.60	0.68	0.80	0.34
Debt / FCF Ratio	-	-	7.76	5.92	4.72	3.72
Return on Equity (ROE)	7.24%	7.24%	6.21%	6.70%	8.80%	10.06%
Return on Assets (ROA)	0.83%	0.83%	0.69%	0.72%	1.00%	1.25%
Earnings Yield	6.09%	7.30%	7.83%	10.41%	10.69%	11.52%
FCF Yield	-	-	9.74%	18.05%	20.59%	10.68%
Dividend Yield	1.82%	2.94%	3.94%	5.44%	4.55%	3.71%
Payout Ratio	-	-	59.84%	57.71%	43.03%	33.77%
Buyback Yield / Dilution	3.67%	3.67%	4.86%	0.23%	-11.78%	0.17%
Total Shareholder Return	5.48%	6.60%	8.80%	5.67%	-7.23%	3.88%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.