Citizens Financial Group, Inc. (CFG)

ATSG Statistics

Total Valuation

CFG has a market cap or net worth of $20.26 billion. The enterprise value is $23.74 billion.

Market Cap	20.26B
Enterprise Value	23.74B

Important Dates

The last earnings date was Thursday, July 17, 2025, before market open.

Earnings Date	Jul 17, 2025
Ex-Dividend Date	Jul 31, 2025

Share Statistics

CFG has 432.77 million shares outstanding. The number of shares has decreased by -4.61% in one year.

Current Share Class	432.77M
Shares Outstanding	432.77M
Shares Change (YoY)	-4.61%
Shares Change (QoQ)	-1.28%
Owned by Insiders (%)	0.84%
Owned by Institutions (%)	99.60%
Float	428.68M

Valuation Ratios

The trailing PE ratio is 14.27 and the forward PE ratio is 10.68. CFG's PEG ratio is 0.44.

PE Ratio	14.27
Forward PE	10.68
PS Ratio	2.86
Forward PS	2.34
PB Ratio	0.88
P/TBV Ratio	1.37
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	0.44

Enterprise Valuation

EV / Earnings	16.34
EV / Sales	3.29
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.48%.

Return on Equity (ROE)	6.48%
Return on Assets (ROA)	0.73%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$416,961
Profits Per Employee	$84,052
Employee Count	17,287
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CFG has paid $408.00 million in taxes.

Income Tax	408.00M
Effective Tax Rate	20.40%

Stock Price Statistics

The stock price has increased by +9.73% in the last 52 weeks. The beta is 1.12, so CFG's price volatility has been higher than the market average.

Beta (5Y)	1.12
52-Week Price Change	+9.73%
50-Day Moving Average	44.41
200-Day Moving Average	43.42
Relative Strength Index (RSI)	48.17
Average Volume (20 Days)	5,702,535

Short Selling Information

The latest short interest is 12.80 million, so 2.96% of the outstanding shares have been sold short.

Short Interest	12.80M
Short Previous Month	10.57M
Short % of Shares Out	2.96%
Short % of Float	2.98%
Short Ratio (days to cover)	2.36

Income Statement

In the last 12 months, CFG had revenue of $7.21 billion and earned $1.45 billion in profits. Earnings per share was $3.28.

Revenue	7.21B
Gross Profit	7.21B
Operating Income	2.00B
Pretax Income	1.54B
Net Income	1.45B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.28

Balance Sheet

The company has $10.06 billion in cash and $13.54 billion in debt, giving a net cash position of -$3.48 billion or -$8.04 per share.

Cash & Cash Equivalents	10.06B
Total Debt	13.54B
Net Cash	-3.48B
Net Cash Per Share	-$8.04
Equity (Book Value)	25.23B
Book Value Per Share	53.43
Working Capital	-163.95B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	27.75%
Pretax Margin	27.75%
Profit Margin	22.09%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.68, which amounts to a dividend yield of 3.52%.

Dividend Per Share	$1.68
Dividend Yield	3.52%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	51.20%
Buyback Yield	4.61%
Shareholder Yield	8.19%
Earnings Yield	7.17%
FCF Yield	n/a

Analyst Forecast

The average price target for CFG is $51.41, which is 9.80% higher than the current price. The consensus rating is "Buy".

Price Target	$51.41
Price Target Difference	9.80%
Analyst Consensus	Buy
Analyst Count	17
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2