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Citizens Financial Group

NYSE: CFG

Stock price

63.92 USD

(+0%) TODAY

Regional BanksBanks - Regional
Financials

all figures in US$ Millions except per share data

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Actual
10 year cagr
Help
Where available up to 10y CAGR shown for absolute numbers 10y Average marked A shown for relative numbers such as margins
Fiscal
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Average (A)
Fiscal period end dates
Expand all rows
01Earnings per share
Help
Earnings per share = Net Income / Number of Shares Outstanding
1.6
2
3.3
3.5
3.8
2.2
5.2
4.1
3.1
3
3.9
9.6%
02Free cash flow per share
1.7
2.3
2.9
3.2
3.6
-
5
8.4
5.9
4.1
4.7
10.5%
03Dividends per share
0.4
0.5
0.6
1
1.4
1.6
1.6
1.6
1.7
1.7
1.7
15.7%
04Dividends payout, %
26.3%
24.4%
20.3%
28.2%
38.1%
72.9%
33.8%
43%
57.7%
59.8%
48.5%
6.3%
PROFIT AND LOSS STATEMENT
05Revenue
$ 5,276
$ 5,763
$ 6,454
$ 7,354
$ 8,066
$ 7,676
$ 6,986
$ 9,069
$ 12,187
$ 12,347
$ 11,148
7.8%
06% Change
-
9.2%
12%
13.9%
9.7%
(4.8)%
(9)%
29.8%
34.4%
1.3%
(9.7)%
7.8%
07Cost of revenue
(754)
(877)
(1,068)
(1,552)
(1,968)
(2,387)
(72)
(1,522)
(4,650)
(5,240)
(3,372)
16.2%
08Gross profit
4,522
4,886
5,386
5,802
6,098
5,289
7,058
7,547
7,537
7,107
7,776
5.6%
09% Margin
85.7%
84.8%
83.5%
78.9%
75.6%
68.9%
101%
83.2%
61.8%
57.6%
69.8%
77.3% A
10Operating expenses
(3,259)
(3,352)
(3,474)
(3,619)
(3,847)
(3,991)
(4,081)
(4,892)
(5,507)
(5,219)
(5,448)
5.3%
11% of Revenue
(61.8)%
(58.2)%
(53.8)%
(49.2)%
(47.7)%
(52)%
(58.4)%
(53.9)%
(45.2)%
(42.3)%
(48.9)%
(51.9)% A
12Operating Income
1,263
1,534
1,912
2,183
2,251
1,298
2,977
2,655
2,030
1,888
2,328
6.3%
13Income tax expense
(423)
(489)
(260)
(462)
(460)
(241)
(658)
(582)
(422)
(379)
(497)
1.6%
14Net Income
840
1,045
1,652
1,721
1,791
1,057
2,319
2,073
1,608
1,509
1,831
8.1%
15% Margin
15.9%
18.1%
25.6%
23.4%
22.2%
13.8%
33.2%
22.9%
13.2%
12.2%
16.4%
19.7% A
16Shares Outstanding
538,221
523,931
503,685
480,431
451,214
428,158
427,436
477,803
476,693
453,510
435,472
(2.1)%
17EPS Basic
1.6
2
3.3
3.5
3.8
2.2
5.2
4.1
3.1
3
3.9
9.7%
18EPS Diluted
1.6
2
3.3
3.5
3.8
2.2
5.2
4.1
3.1
3
3.9
9.6%
19EBITDA
1,734
2,049
2,399
2,672
2,884
1,876
3,602
3,220
2,508
2,386
2,806
4.9%
% Margin
32.9%
35.6%
37.2%
36.3%
35.8%
24.4%
51.6%
35.5%
20.6%
19.3%
25.2%
32.2% A
20Net Interest Income (expense)
3,402
3,758
4,173
4,532
4,614
4,586
4,512
6,012
6,241
5,633
5,853
5.6%
21Net Debt / EBITDA
5.7
6.3
4.7
4.9
3.7
(2.4)
(0.7)
1.6
0.8
0.5
(0.5)
2.2 A
BALANCE SHEET
ASSETS
Current Assets
22Cash & equivalents
3,441
4,143
3,224
4,222
3,683
13,039
9,474
10,850
12,033
11,236
12,727
14%
23Short-term investments
13,601
19,245
20,066
19,532
20,254
22,393
25,427
23,737
29,667
32,613
36,658
10.4%
24Accounts receivable
3,956
3,705
3,144
2,881
2,518
1,916
1,540
1,456
1,148
1,027
141,947
43.1%
25Other current assets
-
-
-
-
-
-
-
-
-
-
-
-
26Inventory
-
-
-
-
-
-
-
-
-
-
-
-
27Total Current Assets
20,998
27,093
26,434
26,635
26,455
37,348
36,441
36,043
42,848
44,876
191,332
24.7%
Non-Current Assets
28Net property, plant & equipment
595
601
685
791
761
759
768
844
895
875
915
4.4%
29Long-term investments
100,053
109,147
112,439
118,527
122,408
127,740
131,714
164,771
152,912
145,897
7,933
(22.4)%
30Other non-current assets
16,562
12,679
12,778
14,565
16,109
17,502
19,486
25,075
25,309
25,873
26,171
4.7%
31Total Non-Current Assets
117,210
122,427
125,902
133,883
139,278
146,001
151,968
190,690
179,116
172,645
35,019
(11.4)%
Total Assets
138,208
149,520
152,336
160,518
165,733
183,349
188,409
226,733
221,964
217,521
226,351
5.1%
LIABILITIES
Current Liabilities
32Accounts payable
-
-
-
-
-
-
-
-
-
-
-
-
33Short-term debt
3,432
4,359
2,671
2,809
274
243
74
3
505
1,988
58
(33.5)%
34Other current liabilities
102,539
109,804
115,089
119,575
125,313
147,164
154,361
180,724
177,342
174,776
183,313
6%
35Total Current Liabilities
105,971
114,163
117,760
122,384
125,587
147,407
154,435
180,727
177,847
176,764
183,371
5.6%
Non-Current Liabilities
36Long-term debt
9,886
12,790
11,765
14,433
14,047
8,346
6,932
15,887
13,467
10,413
11,224
1.3%
37Other non-current liabilities
2,705
2,820
2,541
2,884
3,898
4,923
3,622
6,429
6,308
6,090
5,439
7.2%
38Total Non-Current Liabilities
12,591
15,610
14,306
17,317
17,945
13,269
10,554
22,316
19,775
16,503
16,663
2.8%
39Total Liabilities
118,562
129,773
132,066
139,701
143,532
160,676
164,989
203,043
197,622
193,267
200,034
5.4%
SHAREHOLDERS` EQUITY
40Common stock
6
6
6
6
6
6
6
6
6
7
7
1.6%
41Retained earnings / (deficit)
1,913
2,703
4,164
5,385
6,498
6,445
7,978
9,159
9,816
10,412
11,345
19.5%
42Accumulated other comprehensive income / (loss)
(387)
(668)
(820)
(1,096)
(411)
(60)
(665)
(4,560)
(3,758)
(3,595)
(1,970)
17.7%
43Noncontrolling interests
-
-
-
-
-
-
-
-
-
-
-
-
44Total shareholders' equity
19,646
19,747
20,270
20,817
22,201
22,673
23,420
23,690
24,342
24,254
26,317
3%
45Total Liabilities and shareholders' Equity
138,208
149,520
152,336
160,518
165,733
183,349
188,409
226,733
221,964
217,521
226,351
5.1%
46Total Debt
13,318
17,149
14,436
17,242
14,321
8,589
7,006
15,890
13,972
12,401
11,282
(1.7)%
47Net Debt
9,877
13,006
11,212
13,020
10,638
(4,450)
(2,468)
5,040
1,939
1,165
(1,445)
-
CASH FLOW STATEMENT
CASH FLOWS FROM OPERATING ACTIVITIES
48Net income (loss)
840
1,045
1,652
1,721
1,791
1,057
2,319
2,073
1,608
1,509
1,831
8.1%
49Depreciation & amortization
471
515
487
489
633
578
625
565
478
498
478
0.2%
50Share-based compensation expense
24
23
48
41
41
48
59
84
87
97
120
17.5%
51Changes in working capital and other assets
(106)
(93)
(304)
(484)
(768)
(1,572)
(728)
1,397
788
(103)
(218)
7.5%
52Net cash flows from operating activities
1,229
1,490
1,883
1,767
1,697
111
2,275
4,119
2,961
2,001
2,211
6.1%
CASH FLOWS FROM INVESTING ACTIVITIES
53Purchases of property, plant and equipment
(121)
(138)
(253)
(232)
(126)
(118)
(124)
(126)
(172)
(122)
(174)
3.7%
54Purchases of investments / marketable securities
(7,963)
(8,599)
(6,291)
(4,270)
(8,422)
(9,271)
(12,406)
(10,776)
(10,087)
(9,755)
(9,463)
1.7%
55Proceeds from maturities of marketable securities
8,384
6,778
6,178
4,778
9,360
8,425
9,606
5,635
5,703
7,585
8,565
0.2%
56Other investing activities
(6,205)
(9,367)
(3,618)
(7,353)
(4,687)
(5,172)
(7,562)
(7,370)
9,804
5,279
(4,895)
(2.3)%
57Net cash flows from investing activities
(5,905)
(11,326)
(3,984)
(7,077)
(3,875)
(6,136)
(10,486)
(12,637)
5,248
2,987
(5,967)
0.1%
CASH FLOWS FROM FINANCING ACTIVITIES
58Issuance (repurchases) of common stock, net
(500)
(430)
(820)
(1,025)
(1,220)
(270)
(295)
(153)
(906)
(958)
(607)
2%
59Dividends paid, net
(221)
(255)
(336)
(485)
(682)
(770)
(783)
(892)
(928)
(903)
(888)
14.9%
60Debt issuance (repayments), net
1,601
3,529
(2,347)
2,796
(3,055)
(5,738)
(1,506)
4,831
(1,933)
(1,606)
(1,152)
-
61Other financing activities
3,605
7,611
4,932
5,066
6,447
22,150
7,220
6,121
(3,361)
(2,548)
8,529
9%
62Net cash flows from financing activities
4,485
10,455
1,429
6,352
1,490
15,372
4,636
9,907
(7,128)
(6,015)
5,882
2.8%
63Increase (decrease) in cash and cash equivalents
(191)
619
(672)
1,042
(688)
9,347
(3,575)
1,389
1,081
(1,027)
2,126
-
64Cash and equivalents, ending balance
3,085
3,704
3,032
4,074
3,386
12,733
9,158
10,547
11,628
10,601
12,727
15.2%
65Free Cash Flow to the Firm (FCFF)
Help
Free Cash Flow to the Firm = Cash Flows from Operating Activities - Capital Expenditures
1,108
1,352
1,630
1,535
1,571
(7)
2,151
3,993
2,789
1,879
2,037
6.3%

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