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

Equities

CFG

US1746101054

Banks

Market Closed - Nyse
Other stock markets
 04:00:01 2024-05-01 pm EDT 		5-day change 1st Jan Change
34.7 USD +1.73% Intraday chart for Citizens Financial Group, Inc. -2.31% +4.71%
May. 01 JPMorgan Trims Citizens Financial's Price Target to $36 From $36.50 MT
May. 01 North American Morning Briefing : Traders Wait for -2- DJ

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 17,654 15,272 20,138 19,389 15,451 15,909 - -
Enterprise Value (EV) 1 17,654 15,272 20,138 19,389 15,451 15,909 15,909 15,909
P/E ratio 10.7 x 16.1 x 9.16 x 9.6 x 10.6 x 11.1 x 8.66 x 6.88 x
Yield 3.35% 4.36% 3.3% 4.11% 5.07% 4.91% 5.04% 5.19%
Capitalization / Revenue 2.72 x 2.21 x 3.03 x 2.42 x 1.88 x 2.02 x 1.89 x 1.76 x
EV / Revenue 2.72 x 2.21 x 3.03 x 2.42 x 1.88 x 2.02 x 1.89 x 1.76 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 0.7 x 0.65 x 0.6 x
Nbr of stocks (in thousands) 434,719 427,073 426,200 492,491 466,223 458,485 - -
Reference price 2 40.61 35.76 47.25 39.37 33.14 34.70 34.70 34.70
Announcement Date 1/17/20 1/20/21 1/19/22 1/17/23 1/17/24 - - -
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 7,873 8,397 9,047
EBITDA - - - - - - - -
EBIT 1 2,712 3,039 2,671 3,422 3,223 2,780 3,147 3,116
Operating Margin 41.78% 44.01% 40.18% 42.66% 39.19% 35.31% 37.48% 34.44%
Earnings before Tax (EBT) 1 2,251 1,298 2,977 2,655 2,030 1,980 2,416 3,062
Net income 1 1,718 950 2,206 1,960 1,491 1,435 1,791 2,223
Net margin 26.47% 13.76% 33.19% 24.44% 18.13% 18.23% 21.33% 24.57%
EPS 2 3.810 2.220 5.160 4.100 3.130 3.114 4.006 5.043
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 1.702 1.750 1.802
Announcement Date 1/17/20 1/20/21 1/19/22 1/17/23 1/17/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 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
Net sales 1 1,659 1,720 1,645 1,999 2,177 2,200 2,128 2,200 2,014 1,988 1,959 1,948 1,964 2,004 2,000
EBITDA - - - - - - - - - - - - - - -
EBIT 1 671 710 587 850 982 1,003 898 861 743 721 683 677.8 708 742.8 699.2
Operating Margin 40.45% 41.28% 35.68% 42.52% 45.11% 45.59% 42.2% 39.14% 36.89% 36.27% 34.86% 34.8% 36.04% 37.07% 34.96%
Earnings before Tax (EBT) 1 681 684 536 478 813 828 664 612 549 205 430 490 507.4 544.3 505.2
Net income 1 530 498 396 332 611 621 488 444 430 159 334 360.3 371.4 400.8 369.4
Net margin 31.95% 28.95% 24.07% 16.61% 28.07% 28.23% 22.93% 20.18% 21.35% 8% 17.05% 18.49% 18.9% 20% 18.47%
EPS 2 1.180 1.170 0.9300 0.6700 1.230 1.250 1.000 0.9200 0.8500 0.3400 0.6500 0.7735 0.8063 0.8804 0.8206
Dividend per Share 2 0.3900 0.3900 0.3900 0.3900 0.4200 0.4200 0.4200 0.4200 0.4200 0.4200 0.4200 0.4218 0.4316 0.4315 0.4378
Announcement Date 10/20/21 1/19/22 4/19/22 7/19/22 10/19/22 1/17/23 4/19/23 7/19/23 10/18/23 1/17/24 4/17/24 - - - -
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% 6.46% 7.57% 9.03%
ROA (Net income/ Total Assets) 1.1% 0.6% 1.25% 0.96% 0.72% 0.68% 0.79% 0.8%
Assets 1 156,182 158,333 176,480 204,167 207,083 211,709 227,790 277,886
Book Value Per Share 2 47.60 48.50 50.70 44.00 47.90 49.80 53.30 58.10
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 1/17/20 1/20/21 1/19/22 1/17/23 1/17/24 - - -
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
B+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
19
Last Close Price
34.7 USD
Average target price
39.1 USD
Spread / Average Target
+12.69%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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