← CITIZENS FINANCIAL GROUP INC/RI CFG
Market Price
$74.73
Market Cap
$31.32B
P/E Ratio
19.36
Revenue (FY 2025)
↑6.7% YoY
$1.64B
3-Yr CAGR: 8.0%
Net Income
↑21.3% YoY
$1.83B
Net Margin: 112.0%
Free Cash Flow
↑8.4% YoY
$2.04B
FCF Yield: 6.50%
EPS (Diluted)
↑27.4% YoY
$3.86
Basic: $3.90
Return on Equity
Efficiency
7.0%
ROA: 0.8%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (CFG)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2019: Revenue YoY (+4.7%) is identical to Gross Profit YoY (+4.7%). Verify the underlying Revenue and Gross Profit values for FY 2019 and FY 2018.
- FY 2024: Revenue YoY (+21.1%) is identical to Gross Profit YoY (+21.1%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (+6.7%) is identical to Gross Profit YoY (+6.7%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $5,255.0M | — | $4,747.0M | $1,045.0M | — | $1.97 | — | $1,490.0M | $1,490.0M | — |
| FY 2017 | $5,707.0M | +8.6% | $4,960.0M | $1,652.0M | +58.1% | $3.25 | +65.0% | $1,883.0M | $1,883.0M | +26.4% |
| FY 2018 | $1,119.0M | -80.4% | $1,119.0M | $1,721.0M | +4.2% | $3.52 | +8.3% | $1,767.0M | $1,767.0M | -6.2% |
| FY 2019 | $1,172.0M | +4.7% | $1,172.0M | $1,791.0M | +4.1% | $3.81 | +8.2% | $1,697.0M | $1,571.0M | -11.1% |
| FY 2020 | $1,080.0M | -7.8% | $309.0M | $1,057.0M | -41.0% | $2.22 | -41.7% | $111.0M | $111.0M | -92.9% |
| FY 2021 | $1,325.0M | +22.7% | $986.0M | $2,319.0M | +119.4% | $5.16 | +132.4% | $2,275.0M | $2,275.0M | +1,949.5% |
| FY 2022 | $1,299.0M | -2.0% | $251.0M | $2,073.0M | -10.6% | $4.10 | -20.5% | $4,119.0M | $3,993.0M | +75.5% |
| FY 2023 | $1,266.0M | -2.5% | $1,266.0M | $1,608.0M | -22.4% | $3.13 | -23.7% | $2,961.0M | $2,789.0M | -30.2% |
| FY 2024 | $1,533.0M | +21.1% | $1,533.0M | $1,509.0M | -6.2% | $3.03 | -3.2% | $2,001.0M | $1,879.0M | -32.6% |
| FY 2025 | $1,635.0M | +6.7% | $1,635.0M | $1,831.0M | +21.3% | $3.86 | +27.4% | $2,211.0M | $2,037.0M | +8.4% |
Valuation
Market Price
$74.73
Market Cap
$31.32B
Enterprise Value
$38.47B
P/E Ratio
19.36
P/B Ratio
1.20
FCF Yield
6.50%
Dividend Yield
2.30%
Shares Outstanding
Profitability & Margins
Gross Margin
30.03%
Operating Margin
142.39%
Net Margin
111.99%
Return on Equity (ROE)
6.96%
Return on Assets (ROA)
0.81%
Asset Turnover
0.01x
Revenue 3-Yr CAGR
7.97%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.426
Debt / Assets
0.050
Cash & Equivalents
$4.07B
Total Debt
$11.22B
Book Value / Share
$62.26
Cash Flow Efficiency
Operating Cash Flow
$2.21B
Capital Expenditures (CapEx)
$174.00M
Free Cash Flow
$2.04B
OCF / Revenue
135.23%
FCF / Revenue
124.59%
FCF 3-Yr CAGR
-20.10%
Per Share Metrics
EPS (Diluted)
$3.86
EPS (Basic)
$3.90
Dividends / Share
$1.72
Book Value / Share
$62.26
EPS YoY Growth
27.39%
Balance Sheet (FY 2025)
Total Assets
$226.35B
Total Liabilities
$200.03B
Stockholders' Equity
$26.32B
Current Assets
N/A
Current Liabilities
N/A