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Citizens Financial Group (CFG) Financials

Citizens Financial Group logo
$38.19 -0.52 (-1.34%)
Closing price 05/6/2025 03:59 PM Eastern
Extended Trading
$38.94 +0.75 (+1.96%)
As of 05/6/2025 08:00 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for Citizens Financial Group

Annual Income Statements for Citizens Financial Group

This table shows Citizens Financial Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 840 1,045 1,638 1,692 1,718 1,057 2,319 1,960 1,491 1,372
Consolidated Net Income / (Loss)		 840 1,045 1,652 1,721 1,791 1,057 2,319 2,073 1,608 1,509
Net Income / (Loss) Continuing Operations		 840 1,045 1,652 1,721 1,791 1,057 2,319 2,073 1,608 1,509
Total Pre-Tax Income 		1,263 1,534 1,912 2,183 2,251 1,298 2,977 2,655 2,030 1,888
Total Revenue		 4,824 5,255 5,707 6,128 6,491 6,905 6,647 8,021 8,224 7,809
Net Interest Income / (Expense)		 3,402 3,758 4,173 4,532 4,614 4,586 4,512 6,012 6,241 5,633
Total Interest Income		 3,854 4,266 4,920 5,758 6,189 5,357 4,851 7,060 10,204 10,186
Loans and Leases Interest Income		 3,228 3,674 4,277 5,057 5,517 4,827 4,348 6,092 8,591 8,025
Investment Securities Interest Income		 621 584 625 672 642 519 487 840 1,162 1,658
Deposits and Money Market Investments Interest Income		 5.00 8.00 18 29 30 11 16 128 451 503
Total Interest Expense		 452 508 747 1,226 1,575 771 339 1,048 3,963 4,553
Deposits Interest Expense		 237 270 441 785 1,155 509 160 651 3,145 3,825
Short-Term Borrowings Interest Expense		 67 40 17 15 10 2.00 1.00 23 43 15
Long-Term Debt Interest Expense		 132 196 286 426 410 260 178 374 775 713
Total Non-Interest Income		 1,422 1,497 1,534 1,596 1,877 2,319 2,135 2,009 1,983 2,176
Other Service Charges		 1,243 1,347 1,372 1,409 1,656 2,112 1,886 1,812 1,513 2,012
Net Realized & Unrealized Capital Gains on Investments		 22 4.00 11 16 19 4.00 10 9.00 211 18
Other Non-Interest Income		 - - -7.00 - - - - 188 - 146
Provision for Credit Losses		 302 369 321 326 393 1,616 -411 474 687 687
Total Non-Interest Expense		 3,259 3,352 3,474 3,619 3,847 3,991 4,081 4,892 5,507 5,234
Salaries and Employee Benefits		 1,636 1,714 1,766 1,880 2,026 2,123 2,132 2,549 2,599 2,657
Net Occupancy & Equipment Expense		 576 570 762 464 847 896 943 1,058 1,248 1,216
Other Operating Expenses		 901 898 946 1,275 974 972 1,006 1,285 1,660 1,361
Income Tax Expense		 423 489 260 462 460 241 658 582 422 379
Basic Earnings per Share		 $1.55 $1.97 $3.26 $3.54 $3.82 $2.22 $5.18 $4.12 $3.14 $3.05
Weighted Average Basic Shares Outstanding		 535.60M 522.09M 502.16M 478.82M 449.73M 427.06M 425.67M 475.96M 475.09M 450.68M
Diluted Earnings per Share		 $1.55 $1.97 $3.25 $3.52 $3.81 $2.22 $5.16 $4.10 $3.13 $3.03
Weighted Average Diluted Shares Outstanding		 538.22M 523.93M 503.69M 480.43M 451.21M 428.16M 427.44M 477.80M 476.69M 453.51M
Weighted Average Basic & Diluted Shares Outstanding		 537.40M 523.40M 502.50M 478M 427.43M 425.11M 422.14M 484.11M 458.76M 437.14M
Cash Dividends to Common per Share		 $0.40 $0.46 $0.64 $0.98 $1.36 $1.56 $1.56 $1.62 $1.68 $1.68

Quarterly Income Statements for Citizens Financial Group

This table shows Citizens Financial Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 611 597 488 444 400 159 304 357 344 367
Consolidated Net Income / (Loss)		 636 653 511 478 430 189 334 392 382 401
Net Income / (Loss) Continuing Operations		 636 653 511 478 430 189 334 392 382 401
Total Pre-Tax Income 		813 828 664 612 549 205 430 480 470 508
Total Revenue		 2,177 2,200 2,128 2,094 2,014 1,988 1,959 1,963 1,901 1,986
Net Interest Income / (Expense)		 1,665 1,695 1,643 1,588 1,522 1,488 1,442 1,410 1,369 1,412
Total Interest Income		 1,969 2,252 2,402 2,531 2,595 2,676 2,610 2,575 2,539 2,462
Loans and Leases Interest Income		 1,690 1,919 2,067 2,164 2,194 2,166 2,071 2,028 1,995 1,931
Investment Securities Interest Income		 243 258 266 267 290 339 399 417 423 419
Deposits and Money Market Investments Interest Income		 36 75 69 100 111 171 140 130 121 112
Total Interest Expense		 304 557 759 943 1,073 1,188 1,168 1,165 1,170 1,050
Deposits Interest Expense		 176 396 550 723 898 974 987 965 990 883
Short-Term Borrowings Interest Expense		 11 2.00 6.00 22 8.00 7.00 7.00 4.00 3.00 1.00
Long-Term Debt Interest Expense		 117 159 203 198 167 207 174 196 177 166
Total Non-Interest Income		 512 505 485 506 492 500 517 553 532 574
Other Service Charges		 409 603 369 453 439 252 408 514 487 603
Net Realized & Unrealized Capital Gains on Investments		 0.00 4.00 5.00 9.00 5.00 192 5.00 0.00 9.00 4.00
Other Non-Interest Income		 42 - 48 44 48 - 36 39 36 35
Provision for Credit Losses		 123 132 168 176 172 171 171 182 172 162
Total Non-Interest Expense		 1,241 1,240 1,296 1,306 1,293 1,612 1,358 1,301 1,259 1,316
Salaries and Employee Benefits		 639 633 658 615 659 667 691 645 647 674
Net Occupancy & Equipment Expense		 265 280 293 317 298 340 306 303 302 305
Other Operating Expenses		 337 327 345 374 336 605 361 353 310 337
Income Tax Expense		 177 175 153 134 119 16 96 88 88 107
Basic Earnings per Share		 $1.23 $1.27 $1.00 $0.93 $0.85 $0.36 $0.66 $0.79 $0.77 $0.83
Weighted Average Basic Shares Outstanding		 495.65M 475.96M 485.44M 479.47M 469.48M 475.09M 461.36M 454.14M 446.56M 450.68M
Diluted Earnings per Share		 $1.23 $1.27 $1.00 $0.92 $0.85 $0.36 $0.65 $0.78 $0.77 $0.83
Weighted Average Diluted Shares Outstanding		 497.48M 477.80M 487.71M 480.98M 471.18M 476.69M 463.80M 456.56M 449.91M 453.51M
Weighted Average Basic & Diluted Shares Outstanding		 492.49M 484.11M 483.99M 472.29M 466.22M 458.76M 455.02M 448.30M 440.70M 437.14M

Annual Cash Flow Statements for Citizens Financial Group

This table details how cash moves in and out of Citizens Financial Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -191 619 -672 1,042 -688 9,347 -3,575 1,389 1,081 -1,027
Net Cash From Operating Activities		 1,229 1,490 1,883 1,767 1,697 111 2,275 4,119 2,961 2,001
Net Cash From Continuing Operating Activities		 1,229 1,490 1,883 1,767 1,697 111 2,275 4,119 2,961 2,001
Net Income / (Loss) Continuing Operations		 840 1,045 1,652 1,721 1,791 1,057 2,319 2,073 1,608 1,509
Consolidated Net Income / (Loss)		 840 1,045 1,652 1,721 1,791 1,057 2,319 2,073 1,608 1,509
Provision For Loan Losses		 302 369 321 326 393 1,616 -411 474 687 687
Depreciation Expense		 471 515 487 486 633 578 625 565 478 498
Non-Cash Adjustments to Reconcile Net Income		 227 -106 44 22 74 -194 -381 132 -183 -98
Changes in Operating Assets and Liabilities, net		 -628 -333 -621 -791 -1,194 -2,946 123 875 371 -595
Net Cash From Investing Activities		 -5,905 -11,326 -3,984 -7,077 -3,875 -6,136 -10,486 -12,637 5,248 2,987
Net Cash From Continuing Investing Activities		 -5,905 -11,326 -3,984 -7,077 -3,875 -6,136 -10,486 -12,637 5,248 2,987
Purchase of Property, Leasehold Improvements and Equipment		 -178 -165 -412 -232 -95 -118 -124 -126 -172 -122
Purchase of Investment Securities		 -14,126 -17,942 -9,997 -10,715 -14,116 -17,392 -20,586 -20,052 -3,015 -4,590
Sale and/or Maturity of Investments		 8,399 6,781 6,425 4,822 10,442 11,439 10,540 8,312 8,496 7,792
Other Investing Activities, net		 - - - -419 -106 -65 -316 -771 -61 -93
Net Cash From Financing Activities		 4,485 10,455 1,429 6,352 1,490 15,372 4,636 9,907 -7,128 -6,015
Net Cash From Continuing Financing Activities		 4,485 10,455 1,429 6,352 1,490 15,372 4,636 9,907 -7,128 -6,015
Net Change in Deposits		 6,832 7,265 5,285 4,486 5,738 21,851 7,197 6,146 -3,382 -2,566
Issuance of Debt		 6,750 15,144 15,363 22,503 12,850 8,323 0.00 24,617 25,983 13,185
Issuance of Common Equity		 247 0.00 0.00 593 730 395 296 0.00 0.00 392
Repayment of Debt		 -5,149 -11,615 -17,710 -19,707 -15,905 -14,061 -1,506 -19,786 -27,916 -14,791
Repurchase of Preferred Equity		 - - - - 0.00 0.00 -250 0.00 0.00 -300
Repurchase of Common Equity		 -500 -430 -820 -1,025 -1,220 -270 -295 -153 -906 -1,050
Payment of Dividends		 -221 -255 -336 -485 -682 -770 -783 -892 -928 -903
Other Financing Activities, Net		 -3,474 346 -353 -13 -21 -96 -23 -25 21 18
Cash Interest Paid		 454 505 716 1,184 1,560 837 347 989 3,640 4,375
Cash Income Taxes Paid		 157 94 371 241 326 261 1,247 183 375 208

Quarterly Cash Flow Statements for Citizens Financial Group

This table details how cash moves in and out of Citizens Financial Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 1,646 2,387 -2,573 3,593 3,833 -3,772 -29 172 -856 -314
Net Cash From Operating Activities		 3,000 1,441 1,154 122 1,015 670 554 834 130 483
Net Cash From Continuing Operating Activities		 3,000 1,441 1,154 122 1,015 670 554 834 130 483
Net Income / (Loss) Continuing Operations		 636 653 511 478 430 189 334 392 382 401
Consolidated Net Income / (Loss)		 636 653 511 478 430 189 334 392 382 401
Provision For Loan Losses		 123 132 168 176 172 171 171 182 172 162
Depreciation Expense		 121 117 118 112 122 126 102 143 129 124
Non-Cash Adjustments to Reconcile Net Income		 62 -55 -35 36 -8.00 -176 29 -11 -6.00 -110
Changes in Operating Assets and Liabilities, net		 2,058 594 392 -680 299 360 -82 128 -547 -94
Net Cash From Investing Activities		 883 -158 1,492 3,149 382 225 1,039 179 161 1,608
Net Cash From Continuing Investing Activities		 883 -158 1,492 3,149 382 225 1,039 179 161 1,608
Purchase of Property, Leasehold Improvements and Equipment		 -85 15 -52 -39 -33 -48 -10 -30 -34 -48
Purchase of Investment Securities		 -1,277 -2,056 -544 16 -1,279 -1,208 -516 -734 -2,147 -1,193
Sale and/or Maturity of Investments		 2,250 1,922 2,315 2,950 1,870 1,361 1,542 928 2,409 2,913
Other Investing Activities, net		 -5.00 -39 -227 222 -176 120 23 15 -67 -64
Net Cash From Financing Activities		 -2,237 1,104 -5,219 322 2,436 -4,667 -1,622 -841 -1,147 -2,405
Net Cash From Continuing Financing Activities		 -2,237 1,104 -5,219 322 2,436 -4,667 -1,622 -841 -1,147 -2,405
Net Change in Deposits		 -359 2,158 -8,530 5,473 530 -855 -914 -76 -1,164 -412
Issuance of Common Equity		 - - - - - - - - - 1.00
Repayment of Debt		 -7,934 -13,770 -1,737 -11,171 -6,629 -8,379 -5,933 -5,826 -1,472 -1,560
Repurchase of Common Equity		 - -151 -400 -256 -250 - -300 -200 -325 -225
Payment of Dividends		 -243 -233 -238 -229 -231 -230 -228 -224 -225 -226
Other Financing Activities, Net		 - -1.00 -24 -2.00 - 47 -12 6.00 7.00 17

Annual Balance Sheets for Citizens Financial Group

This table presents Citizens Financial Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 138,208 149,520 152,336 160,518 165,733 183,349 188,409 226,733 221,964 217,521
Cash and Due from Banks		 3,085 3,704 3,032 4,074 3,386 12,733 9,158 10,547 11,628 10,601
Interest Bearing Deposits at Other Banks		 356 439 192 148 297 306 316 303 405 635
Trading Account Securities		 23,837 25,295 26,350 25,392 24,622 28,092 29,525 34,683 39,401 41,772
Loans and Leases, Net of Allowance		 97,826 106,433 109,381 115,418 -1,252 120,647 126,405 154,679 143,861 137,142
Loans and Leases		 99,042 107,669 110,617 116,660 - 123,090 128,163 156,662 145,959 139,203
Allowance for Loan and Lease Losses		 1,216 1,236 1,236 1,242 1,252 2,443 1,758 1,983 2,098 2,061
Loans Held for Sale		 98,191 107,058 110,099 1,320 3,330 4,003 3,468 982 779 858
Premises and Equipment, Net		 595 601 685 791 761 759 768 844 895 875
Goodwill		 6,876 6,876 6,887 6,923 7,044 7,050 7,116 8,173 8,188 8,187
Intangible Assets		 - - - - - - 64 197 157 146
Other Assets		 5,268 5,547 5,085 6,452 127,545 9,759 11,589 16,325 16,650 17,305
Total Liabilities & Shareholders' Equity		 138,208 149,520 152,336 160,518 165,733 183,349 188,409 226,733 221,964 217,521
Total Liabilities		 118,562 129,773 132,066 139,701 143,532 160,676 164,989 203,043 197,622 193,267
Non-Interest Bearing Deposits		 27,649 28,472 29,279 29,458 29,233 43,831 49,443 49,283 37,107 36,920
Interest Bearing Deposits		 74,890 81,332 85,810 90,117 96,080 103,333 104,918 131,441 140,235 137,856
Short-Term Debt		 2,630 3,211 1,856 453 274 371 74 3.00 505 0.00
Long-Term Debt		 9,886 12,790 11,765 15,925 14,047 8,346 6,932 15,887 13,467 12,401
Other Long-Term Liabilities		 2,705 2,820 2,541 2,592 3,898 4,795 3,622 6,429 6,308 6,090
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 19,646 19,747 20,270 20,817 22,201 22,673 23,420 23,690 24,342 24,254
Total Preferred & Common Equity		 19,646 19,747 20,270 20,817 22,201 22,673 23,420 23,690 24,342 24,254
Preferred Stock		 247 247 247 840 - 1,965 2,014 2,014 2,014 2,113
Total Common Equity		 19,399 19,500 20,023 19,977 22,201 20,708 21,406 21,676 22,328 22,141
Common Stock		 18,731 18,728 18,787 18,821 18,897 18,946 19,011 22,148 22,256 22,371
Retained Earnings		 1,913 2,703 4,164 5,385 6,498 6,445 7,978 9,159 9,816 10,412
Treasury Stock		 -858 -1,263 -2,108 -3,133 -4,353 -4,623 -4,918 -5,071 -5,986 -7,047
Accumulated Other Comprehensive Income / (Loss)		 -387 -668 -820 -1,096 -411 -60 -665 -4,560 -3,758 -3,595

Quarterly Balance Sheets for Citizens Financial Group

This table presents Citizens Financial Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Total Assets		 224,684 226,733 222,256 223,066 225,270 221,964 220,448 219,938 219,706 217,521
Cash and Due from Banks		 8,160 10,547 7,974 11,567 15,400 11,628 11,599 11,771 10,915 10,601
Interest Bearing Deposits at Other Banks		 261 303 320 284 324 405 392 559 648 635
Trading Account Securities		 34,901 34,683 34,091 34,994 34,911 39,401 40,710 41,200 42,159 41,772
Loans and Leases, Net of Allowance		 154,160 154,679 152,671 149,276 147,666 143,861 141,102 139,717 139,553 137,142
Loans and Leases		 156,140 156,662 154,688 151,320 149,746 145,959 143,188 141,842 141,632 139,203
Allowance for Loan and Lease Losses		 1,980 1,983 2,017 2,044 2,080 2,098 2,086 2,125 2,079 2,061
Loans Held for Sale		 1,962 982 1,855 1,421 848 779 555 683 663 858
Premises and Equipment, Net		 827 844 866 876 878 895 872 863 862 875
Goodwill		 8,160 8,173 8,177 8,188 8,188 8,188 8,188 8,187 8,187 8,187
Intangible Assets		 - 197 185 175 167 157 148 139 137 146
Other Assets		 16,253 16,325 16,117 16,285 16,888 16,650 16,882 16,819 16,582 17,305
Total Liabilities & Shareholders' Equity		 224,684 226,733 222,256 223,066 225,270 221,964 220,448 219,938 219,706 217,521
Total Liabilities		 201,538 203,043 198,055 199,481 202,392 197,622 196,687 196,069 194,774 193,267
Non-Interest Bearing Deposits		 51,888 49,283 44,326 40,286 38,561 37,107 36,593 36,927 35,978 36,920
Interest Bearing Deposits		 126,678 131,441 127,868 137,381 139,636 140,235 139,835 139,425 139,210 137,856
Short-Term Debt		 2,490 3.00 1,018 1,099 232 505 9.00 2.00 15 0.00
Long-Term Debt		 16,286 15,887 18,855 14,100 17,354 13,467 13,804 13,082 13,944 12,401
Other Long-Term Liabilities		 4,196 6,429 5,988 6,615 6,609 6,308 6,446 6,633 5,627 6,090
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 23,146 23,690 24,201 23,585 22,878 24,342 23,761 23,869 24,932 24,254
Total Preferred & Common Equity		 23,146 23,690 24,201 23,585 22,878 24,342 23,761 23,869 24,932 24,254
Preferred Stock		 2,014 2,014 2,014 2,014 2,014 2,014 2,014 2,112 2,112 2,113
Total Common Equity		 21,132 21,676 22,187 21,571 20,864 22,328 21,747 21,757 22,820 22,141
Common Stock		 22,127 22,148 22,189 22,213 22,237 22,256 22,278 22,305 22,333 22,371
Retained Earnings		 8,748 9,159 9,416 9,655 9,856 9,816 9,923 10,079 10,233 10,412
Treasury Stock		 -4,920 -5,071 -5,475 -5,734 -5,986 -5,986 -6,290 -6,492 -6,820 -7,047
Accumulated Other Comprehensive Income / (Loss)		 -4,823 -4,560 -3,943 -4,563 -5,243 -3,758 -4,164 -4,135 -2,926 -3,595

Annual Metrics and Ratios for Citizens Financial Group

This table displays calculated financial ratios and metrics derived from Citizens Financial Group's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -3.11% 8.93% 8.60% 7.38% 5.92% 6.38% -3.74% 20.67% 2.53% -5.05%
EBITDA Growth		 3.00% 17.02% 17.08% 11.38% 7.93% -34.95% 92.00% -10.61% -22.11% -4.86%
EBIT Growth		 -0.39% 21.46% 24.64% 14.17% 3.12% -42.34% 129.35% -10.82% -23.54% -7.00%
NOPAT Growth		 -2.89% 24.40% 58.09% 4.18% 4.07% -40.98% 119.39% -10.61% -22.43% -6.16%
Net Income Growth		 -2.89% 24.40% 58.09% 4.18% 4.07% -40.98% 119.39% -10.61% -22.43% -6.16%
EPS Growth		 0.00% 27.10% 64.97% 8.31% 8.24% -41.73% 132.43% -20.54% -23.66% -3.19%
Operating Cash Flow Growth		 -11.58% 21.24% 26.38% -6.16% -3.96% -93.46% 1,949.55% 81.05% -28.11% -32.42%
Free Cash Flow Firm Growth		 82.02% -119.24% 238.10% -145.11% 255.65% 151.18% -46.95% -315.69% 140.59% 10.23%
Invested Capital Growth		 6.63% 11.15% -5.19% 9.75% -1.81% -14.05% -3.07% 30.09% -3.20% -4.33%
Revenue Q/Q Growth		 1.79% 1.92% 2.17% 1.81% 0.68% 1.02% 0.20% 6.37% -2.51% -0.03%
EBITDA Q/Q Growth		 7.49% 2.40% 3.32% 2.69% 1.98% -0.64% 3.62% 2.84% -19.67% 14.44%
EBIT Q/Q Growth		 6.76% 3.44% 4.88% 2.54% -0.71% 2.37% 3.95% 5.73% -23.48% 19.12%
NOPAT Q/Q Growth		 2.94% 6.20% 30.28% -10.46% -0.83% 0.57% 3.30% 6.31% -22.39% 16.35%
Net Income Q/Q Growth		 2.94% 6.20% 30.28% -10.46% -0.83% 0.57% 3.30% 6.31% -22.39% 16.35%
EPS Q/Q Growth		 4.73% 6.49% 32.11% -9.74% 0.53% 0.45% 3.82% 2.50% -22.52% 18.36%
Operating Cash Flow Q/Q Growth		 21.20% -6.64% 8.09% 7.74% 10.92% 496.43% 11.74% 8.88% -20.66% -8.55%
Free Cash Flow Firm Q/Q Growth		 0.00% 36.43% 313.31% -60.71% -45.16% 42.11% -13.54% 26.19% -18.58% 10.38%
Invested Capital Q/Q Growth		 8.60% 3.33% -3.21% -1.91% 3.66% -1.69% 0.16% -5.59% -5.31% -5.75%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 36.30% 38.99% 42.04% 43.60% 44.43% 27.17% 54.19% 40.14% 30.50% 30.55%
EBIT Margin		 26.18% 29.19% 33.50% 35.62% 34.68% 18.80% 44.79% 33.10% 24.68% 24.18%
Profit (Net Income) Margin		 17.41% 19.89% 28.95% 28.08% 27.59% 15.31% 34.89% 25.84% 19.55% 19.32%
Tax Burden Percent		 66.51% 68.12% 86.40% 78.84% 79.56% 81.43% 77.90% 78.08% 79.21% 79.93%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 33.49% 31.88% 13.60% 21.16% 20.44% 18.57% 22.10% 21.92% 20.79% 20.07%
Return on Invested Capital (ROIC)		 2.70% 3.08% 4.74% 4.84% 4.86% 3.11% 7.50% 5.92% 4.13% 4.03%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.70% 3.08% 4.74% 4.84% 4.86% 3.11% 7.50% 5.92% 4.13% 4.03%
Return on Net Nonoperating Assets (RNNOA)		 1.62% 2.23% 3.51% 3.54% 3.47% 1.60% 2.56% 2.88% 2.57% 2.18%
Return on Equity (ROE)		 4.32% 5.31% 8.26% 8.38% 8.33% 4.71% 10.06% 8.80% 6.70% 6.21%
Cash Return on Invested Capital (CROIC)		 -3.72% -7.48% 10.08% -4.45% 6.69% 18.23% 10.62% -20.23% 7.38% 8.45%
Operating Return on Assets (OROA)		 0.93% 1.07% 1.27% 1.40% 1.38% 0.74% 1.60% 1.28% 0.90% 0.86%
Return on Assets (ROA)		 0.62% 0.73% 1.09% 1.10% 1.10% 0.61% 1.25% 1.00% 0.72% 0.69%
Return on Common Equity (ROCE)		 4.29% 5.24% 8.15% 8.16% 8.16% 4.50% 9.19% 8.05% 6.13% 5.68%
Return on Equity Simple (ROE_SIMPLE)		 4.28% 5.29% 8.15% 8.27% 8.07% 4.66% 9.90% 8.75% 6.61% 6.22%
Net Operating Profit after Tax (NOPAT)		 840 1,045 1,652 1,721 1,791 1,057 2,319 2,073 1,608 1,509
NOPAT Margin		 17.41% 19.89% 28.95% 28.08% 27.59% 15.31% 34.89% 25.84% 19.55% 19.32%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 45.85% 43.46% 44.30% 38.25% 44.26% 43.72% 46.26% 44.97% 46.78% 49.60%
Operating Expenses to Revenue		 67.56% 63.79% 60.87% 59.06% 59.27% 57.80% 61.40% 60.99% 66.96% 67.03%
Earnings before Interest and Taxes (EBIT)		 1,263 1,534 1,912 2,183 2,251 1,298 2,977 2,655 2,030 1,888
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 1,751 2,049 2,399 2,672 2,884 1,876 3,602 3,220 2,508 2,386
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.52 0.69 0.78 0.54 0.64 0.63 0.83 0.80 0.66 0.86
Price to Tangible Book Value (P/TBV)		 0.80 1.07 1.18 0.82 0.93 0.95 1.24 1.31 1.05 1.38
Price to Revenue (P/Rev)		 2.08 2.57 2.72 1.75 2.18 1.88 2.66 2.17 1.78 2.45
Price to Earnings (P/E)		 11.92 12.90 9.49 6.34 8.23 12.25 7.63 8.87 9.83 13.93
Dividend Yield		 2.11% 1.75% 2.03% 4.28% 4.18% 5.15% 3.76% 4.59% 5.34% 3.87%
Earnings Yield		 8.39% 7.75% 10.54% 15.78% 12.16% 8.16% 13.10% 11.27% 10.17% 7.18%
Enterprise Value to Invested Capital (EV/IC)		 0.60 0.72 0.77 0.64 0.68 0.34 0.57 0.62 0.49 0.61
Enterprise Value to Revenue (EV/Rev)		 4.01 4.87 4.59 3.87 3.82 1.53 2.60 3.05 2.26 2.87
Enterprise Value to EBITDA (EV/EBITDA)		 11.04 12.49 10.91 8.88 8.59 5.65 4.79 7.59 7.42 9.39
Enterprise Value to EBIT (EV/EBIT)		 15.31 16.68 13.69 10.87 11.00 8.16 5.79 9.21 9.17 11.86
Enterprise Value to NOPAT (EV/NOPAT)		 23.02 24.49 15.85 13.78 13.83 10.02 7.44 11.79 11.57 14.84
Enterprise Value to Operating Cash Flow (EV/OCF)		 15.73 17.17 13.90 13.42 14.60 95.41 7.58 5.94 6.28 11.19
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 7.46 0.00 10.05 1.71 5.25 0.00 6.47 7.07
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.64 0.81 0.67 0.79 0.65 0.38 0.30 0.67 0.57 0.51
Long-Term Debt to Equity		 0.50 0.65 0.58 0.77 0.63 0.37 0.30 0.67 0.55 0.51
Financial Leverage		 0.60 0.72 0.74 0.73 0.71 0.51 0.34 0.49 0.62 0.54
Leverage Ratio		 6.97 7.30 7.54 7.61 7.58 7.78 8.07 8.81 9.34 9.04
Compound Leverage Factor		 6.97 7.30 7.54 7.61 7.58 7.78 8.07 8.81 9.34 9.04
Debt to Total Capital		 38.92% 44.76% 40.19% 44.03% 39.21% 27.77% 23.03% 40.15% 36.47% 33.83%
Short-Term Debt to Total Capital		 8.18% 8.98% 5.48% 1.22% 0.75% 1.18% 0.24% 0.01% 1.32% 0.00%
Long-Term Debt to Total Capital		 30.74% 35.78% 34.71% 42.81% 38.46% 26.59% 22.78% 40.14% 35.15% 33.83%
Preferred Equity to Total Capital		 0.77% 0.69% 0.73% 2.26% 0.00% 6.26% 6.62% 5.09% 5.26% 5.76%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 60.32% 54.55% 59.08% 53.71% 60.79% 65.97% 70.35% 54.77% 58.28% 60.40%
Debt to EBITDA		 7.15 7.81 5.68 6.13 4.97 4.65 1.95 4.93 5.57 5.20
Net Debt to EBITDA		 5.18 5.79 4.33 4.55 3.69 -2.30 -0.69 1.57 0.77 0.49
Long-Term Debt to EBITDA		 5.65 6.24 4.90 5.96 4.87 4.45 1.92 4.93 5.37 5.20
Debt to NOPAT		 14.90 15.31 8.25 9.52 8.00 8.25 3.02 7.67 8.69 8.22
Net Debt to NOPAT		 10.80 11.35 6.29 7.06 5.94 -4.09 -1.06 2.43 1.21 0.77
Long-Term Debt to NOPAT		 11.77 12.24 7.12 9.25 7.84 7.90 2.99 7.66 8.38 8.22
Noncontrolling Interest Sharing Ratio		 0.63% 1.25% 1.23% 2.65% 1.95% 4.38% 8.63% 8.55% 8.39% 8.49%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -1,159 -2,541 3,509 -1,583 2,464 6,189 3,283 -7,081 2,874 3,168
Operating Cash Flow to CapEx		 690.45% 903.03% 457.04% 761.64% 1,786.32% 94.07% 1,834.68% 3,269.05% 1,721.51% 1,640.16%
Free Cash Flow to Firm to Interest Expense		 -2.56 -5.00 4.70 -1.29 1.56 8.03 9.68 -6.76 0.73 0.70
Operating Cash Flow to Interest Expense		 2.72 2.93 2.52 1.44 1.08 0.14 6.71 3.93 0.75 0.44
Operating Cash Flow Less CapEx to Interest Expense		 2.33 2.61 1.97 1.25 1.02 -0.01 6.35 3.81 0.70 0.41
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 8.11 8.79 8.88 8.30 8.36 9.09 8.71 9.95 9.46 8.82
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 32,162 35,748 33,891 37,195 36,522 31,390 30,426 39,580 38,314 36,655
Invested Capital Turnover		 0.15 0.15 0.16 0.17 0.18 0.20 0.22 0.23 0.21 0.21
Increase / (Decrease) in Invested Capital		 1,999 3,586 -1,857 3,304 -673 -5,132 -964 9,154 -1,266 -1,659
Enterprise Value (EV)		 19,335 25,587 26,183 23,720 24,769 10,591 17,250 24,449 18,608 22,396
Market Capitalization		 10,013 13,482 15,539 10,724 14,131 12,948 17,704 17,395 14,655 19,118
Book Value per Share		 $36.77 $38.10 $40.70 $42.69 $51.07 $48.49 $50.23 $44.01 $47.89 $50.24
Tangible Book Value per Share		 $23.73 $24.66 $26.70 $27.90 $34.87 $31.98 $33.38 $27.02 $29.99 $31.33
Total Capital		 32,162 35,748 33,891 37,195 36,522 31,390 30,426 39,580 38,314 36,655
Total Debt		 12,516 16,001 13,621 16,378 14,321 8,717 7,006 15,890 13,972 12,401
Total Long-Term Debt		 9,886 12,790 11,765 15,925 14,047 8,346 6,932 15,887 13,467 12,401
Net Debt		 9,075 11,858 10,397 12,156 10,638 -4,322 -2,468 5,040 1,939 1,165
Capital Expenditures (CapEx)		 178 165 412 232 95 118 124 126 172 122
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 12,516 16,001 13,621 16,378 14,321 8,717 7,006 15,890 13,972 12,401
Total Depreciation and Amortization (D&A)		 488 515 487 489 633 578 625 565 478 498
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.55 $1.97 $3.26 $3.54 $3.82 $2.22 $5.18 $4.12 $3.14 $3.05
Adjusted Weighted Average Basic Shares Outstanding		 535.60M 522.09M 502.16M 478.82M 449.73M 427.06M 425.67M 475.96M 475.09M 450.68M
Adjusted Diluted Earnings per Share		 $1.55 $1.97 $3.25 $3.52 $3.81 $2.22 $5.16 $4.10 $3.13 $3.03
Adjusted Weighted Average Diluted Shares Outstanding		 538.22M 523.93M 503.69M 480.43M 451.21M 428.16M 427.44M 477.80M 476.69M 453.51M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $3.82 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 527.81M 509.11M 487.33M 460.39M 427.43M 425.11M 422.14M 484.11M 458.76M 437.14M
Normalized Net Operating Profit after Tax (NOPAT)		 840 1,045 1,652 1,721 1,791 1,057 2,319 2,073 1,608 1,509
Normalized NOPAT Margin		 17.41% 19.89% 28.95% 28.08% 27.59% 15.31% 34.89% 25.84% 19.55% 19.32%
Pre Tax Income Margin		 26.18% 29.19% 33.50% 35.62% 34.68% 18.80% 44.79% 33.10% 24.68% 24.18%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 2.79 3.02 2.56 1.78 1.43 1.68 8.78 2.53 0.51 0.41
NOPAT to Interest Expense		 1.86 2.06 2.21 1.40 1.14 1.37 6.84 1.98 0.41 0.33
EBIT Less CapEx to Interest Expense		 2.40 2.69 2.01 1.59 1.37 1.53 8.42 2.41 0.47 0.39
NOPAT Less CapEx to Interest Expense		 1.46 1.73 1.66 1.21 1.08 1.22 6.47 1.86 0.36 0.30
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 26.31% 24.40% 20.34% 28.18% 38.08% 72.85% 33.76% 43.03% 57.71% 59.84%
Augmented Payout Ratio		 85.83% 65.55% 69.98% 87.74% 106.20% 98.39% 46.49% 50.41% 114.05% 129.42%

Quarterly Metrics and Ratios for Citizens Financial Group

This table displays calculated financial ratios and metrics derived from Citizens Financial Group's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 31.22% 27.91% 29.36% 4.75% -7.49% -9.64% -7.94% -6.26% -5.61% -0.10%
EBITDA Growth		 14.32% 10.40% 29.68% -1.90% -28.16% -64.97% -31.97% -13.95% -10.73% 90.94%
EBIT Growth		 19.38% 21.05% 23.88% 28.03% -32.47% -75.24% -35.24% -21.57% -14.39% 147.80%
NOPAT Growth		 20.00% 23.21% 21.67% 31.32% -32.39% -71.06% -34.64% -17.99% -11.16% 112.17%
Net Income Growth		 20.00% 23.21% 21.67% 31.32% -32.39% -71.06% -34.64% -17.99% -11.16% 112.17%
EPS Growth		 4.24% 8.55% 7.53% 37.31% -30.89% -71.65% -35.00% -15.22% -9.41% 130.56%
Operating Cash Flow Growth		 134.38% 30.41% -25.74% 106.50% -66.17% -53.50% -51.99% 583.61% -87.19% -27.91%
Free Cash Flow Firm Growth		 -623.92% -669.01% -627.55% 140.37% 117.31% 117.12% 145.76% -57.49% 3.55% 41.58%
Invested Capital Growth		 38.00% 30.09% 53.95% -10.91% -3.48% -3.20% -14.75% -4.72% -3.89% -4.33%
Revenue Q/Q Growth		 8.90% 1.06% -3.27% -1.60% -3.82% -1.29% -1.46% 0.20% -3.16% 4.47%
EBITDA Q/Q Growth		 26.56% 1.18% -17.25% -7.42% -7.32% -50.67% 60.73% 17.11% -3.85% 5.51%
EBIT Q/Q Growth		 70.08% 1.85% -19.81% -7.83% -10.29% -62.66% 109.76% 11.63% -2.08% 8.09%
NOPAT Q/Q Growth		 74.73% 2.67% -21.75% -6.46% -10.04% -56.05% 76.72% 17.37% -2.55% 4.97%
Net Income Q/Q Growth		 74.73% 2.67% -21.75% -6.46% -10.04% -56.05% 76.72% 17.37% -2.55% 4.97%
EPS Q/Q Growth		 83.58% 3.25% -21.26% -8.00% -7.61% -57.65% 80.56% 20.00% -1.28% 7.79%
Operating Cash Flow Q/Q Growth		 259.91% -51.97% -19.92% -89.43% 731.97% -33.99% -17.31% 50.54% -84.41% 271.54%
Free Cash Flow Firm Q/Q Growth		 15.79% 22.07% -75.69% 135.01% -63.89% -22.93% 369.69% -67.47% -12.06% 5.37%
Invested Capital Q/Q Growth		 -3.71% -5.59% 11.35% -12.00% 4.33% -5.31% -1.93% -1.65% 5.24% -5.75%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 42.90% 42.95% 36.75% 34.58% 33.32% 16.65% 27.16% 31.74% 31.51% 31.82%
EBIT Margin		 37.35% 37.64% 31.20% 29.23% 27.26% 10.31% 21.95% 24.45% 24.72% 25.58%
Profit (Net Income) Margin		 29.21% 29.68% 24.01% 22.83% 21.35% 9.51% 17.05% 19.97% 20.09% 20.19%
Tax Burden Percent		 78.23% 78.86% 76.96% 78.10% 78.32% 92.20% 77.67% 81.67% 81.28% 78.94%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.77% 21.14% 23.04% 21.90% 21.68% 7.80% 22.33% 18.33% 18.72% 21.06%
Return on Invested Capital (ROIC)		 6.09% 6.80% 5.62% 4.77% 4.37% 2.01% 3.36% 4.18% 3.96% 4.21%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.09% 6.80% 5.62% 4.77% 4.37% 2.01% 3.36% 4.18% 3.96% 4.21%
Return on Net Nonoperating Assets (RNNOA)		 3.37% 3.31% 3.21% 3.42% 3.45% 1.25% 2.36% 2.49% 2.61% 2.28%
Return on Equity (ROE)		 9.46% 10.11% 8.83% 8.19% 7.83% 3.26% 5.73% 6.67% 6.57% 6.49%
Cash Return on Invested Capital (CROIC)		 -26.54% -20.23% -36.54% 17.08% 8.57% 7.38% 19.43% 8.39% 7.23% 8.45%
Operating Return on Assets (OROA)		 1.37% 1.45% 1.28% 1.12% 1.02% 0.38% 0.80% 0.87% 0.87% 0.91%
Return on Assets (ROA)		 1.07% 1.15% 0.99% 0.87% 0.80% 0.35% 0.62% 0.71% 0.71% 0.72%
Return on Common Equity (ROCE)		 8.64% 9.24% 8.06% 7.50% 7.14% 2.98% 5.25% 6.09% 6.00% 5.94%
Return on Equity Simple (ROE_SIMPLE)		 8.42% 0.00% 8.94% 9.66% 9.06% 0.00% 6.02% 5.63% 5.20% 0.00%
Net Operating Profit after Tax (NOPAT)		 636 653 511 478 430 189 334 392 382 401
NOPAT Margin		 29.21% 29.68% 24.01% 22.83% 21.35% 9.51% 17.05% 19.97% 20.09% 20.19%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 41.53% 41.50% 44.69% 44.51% 47.52% 50.65% 50.89% 48.29% 49.92% 49.30%
Operating Expenses to Revenue		 57.01% 56.36% 60.90% 62.37% 64.20% 81.09% 69.32% 66.28% 66.23% 66.26%
Earnings before Interest and Taxes (EBIT)		 813 828 664 612 549 205 430 480 470 508
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 934 945 782 724 671 331 532 623 599 632
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.73 0.80 0.61 0.55 0.57 0.66 0.76 0.75 0.80 0.86
Price to Tangible Book Value (P/TBV)		 1.19 1.31 0.98 0.90 0.95 1.05 1.23 1.21 1.26 1.38
Price to Revenue (P/Rev)		 2.04 2.17 1.60 1.38 1.41 1.78 2.06 2.05 2.33 2.45
Price to Earnings (P/E)		 7.81 8.87 6.34 5.25 5.82 9.83 11.62 12.14 14.23 13.93
Dividend Yield		 5.12% 4.59% 5.89% 6.88% 6.67% 5.34% 4.73% 4.71% 4.13% 3.87%
Earnings Yield		 12.81% 11.27% 15.78% 19.06% 17.17% 10.17% 8.60% 8.24% 7.03% 7.18%
Enterprise Value to Invested Capital (EV/IC)		 0.66 0.62 0.62 0.44 0.39 0.49 0.54 0.52 0.58 0.61
Enterprise Value to Revenue (EV/Rev)		 3.68 3.05 3.19 2.00 1.87 2.26 2.53 2.41 2.91 2.87
Enterprise Value to EBITDA (EV/EBITDA)		 8.87 7.59 7.99 5.08 5.05 7.42 9.03 8.86 10.90 9.39
Enterprise Value to EBIT (EV/EBIT)		 11.06 9.21 9.76 5.89 5.94 9.17 11.35 11.48 14.34 11.86
Enterprise Value to NOPAT (EV/NOPAT)		 14.24 11.79 12.55 7.54 7.61 11.57 14.25 14.20 17.53 14.84
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.34 5.94 7.30 3.01 4.23 6.28 8.64 6.22 10.39 11.19
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 2.44 4.47 6.47 2.57 6.01 7.92 7.07
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.81 0.67 0.82 0.64 0.77 0.57 0.58 0.55 0.56 0.51
Long-Term Debt to Equity		 0.70 0.67 0.78 0.60 0.76 0.55 0.58 0.55 0.56 0.51
Financial Leverage		 0.55 0.49 0.57 0.72 0.79 0.62 0.70 0.60 0.66 0.54
Leverage Ratio		 8.84 8.81 8.95 9.39 9.78 9.34 9.23 9.34 9.31 9.04
Compound Leverage Factor		 8.84 8.81 8.95 9.39 9.78 9.34 9.23 9.34 9.31 9.04
Debt to Total Capital		 44.79% 40.15% 45.09% 39.19% 43.46% 36.47% 36.76% 35.41% 35.89% 33.83%
Short-Term Debt to Total Capital		 5.94% 0.01% 2.31% 2.83% 0.57% 1.32% 0.02% 0.01% 0.04% 0.00%
Long-Term Debt to Total Capital		 38.85% 40.14% 42.78% 36.36% 42.89% 35.15% 36.74% 35.40% 35.85% 33.83%
Preferred Equity to Total Capital		 4.80% 5.09% 4.57% 5.19% 4.98% 5.26% 5.36% 5.72% 5.43% 5.76%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 50.41% 54.77% 50.34% 55.62% 51.56% 58.28% 57.88% 58.88% 58.68% 60.40%
Debt to EBITDA		 6.00 4.93 5.85 4.49 5.63 5.57 6.12 6.07 6.70 5.20
Net Debt to EBITDA		 3.31 1.57 3.41 0.99 0.60 0.77 0.81 0.35 1.15 0.49
Long-Term Debt to EBITDA		 5.20 4.93 5.55 4.17 5.56 5.37 6.11 6.06 6.69 5.20
Debt to NOPAT		 9.63 7.67 9.18 6.67 8.49 8.69 9.65 9.73 10.76 8.22
Net Debt to NOPAT		 5.31 2.43 5.35 1.47 0.90 1.21 1.27 0.56 1.85 0.77
Long-Term Debt to NOPAT		 8.35 7.66 8.71 6.19 8.38 8.38 9.65 9.73 10.75 8.22
Noncontrolling Interest Sharing Ratio		 8.65% 8.55% 8.70% 8.41% 8.75% 8.39% 8.40% 8.69% 8.63% 8.49%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -10,908 -8,501 -14,935 5,229 1,888 1,455 6,834 2,223 1,955 2,060
Operating Cash Flow to CapEx		 3,529.41% 0.00% 2,219.23% 312.82% 3,075.76% 1,395.83% 5,540.00% 2,780.00% 382.35% 1,006.25%
Free Cash Flow to Firm to Interest Expense		 -35.88 -15.26 -19.68 5.55 1.76 1.22 5.85 1.91 1.67 1.96
Operating Cash Flow to Interest Expense		 9.87 2.59 1.52 0.13 0.95 0.56 0.47 0.72 0.11 0.46
Operating Cash Flow Less CapEx to Interest Expense		 9.59 2.61 1.45 0.09 0.92 0.52 0.47 0.69 0.08 0.41
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 9.67 9.95 10.25 9.77 9.90 9.46 9.27 9.11 8.98 8.82
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 41,922 39,580 44,074 38,784 40,464 38,314 37,574 36,953 38,891 36,655
Invested Capital Turnover		 0.21 0.23 0.23 0.21 0.20 0.21 0.20 0.21 0.20 0.21
Increase / (Decrease) in Invested Capital		 11,544 9,154 15,446 -4,751 -1,458 -1,266 -6,500 -1,831 -1,573 -1,659
Enterprise Value (EV)		 27,776 24,449 27,164 17,185 15,769 18,608 20,390 19,101 22,737 22,396
Market Capitalization		 15,407 17,395 13,571 11,823 11,893 14,655 16,554 16,235 18,229 19,118
Book Value per Share		 $42.64 $44.01 $45.83 $44.57 $44.18 $47.89 $47.14 $47.82 $50.90 $50.24
Tangible Book Value per Share		 $26.17 $27.02 $28.56 $27.29 $26.49 $29.99 $29.07 $29.52 $32.34 $31.33
Total Capital		 41,922 39,580 44,074 38,784 40,464 38,314 37,574 36,953 38,891 36,655
Total Debt		 18,776 15,890 19,873 15,199 17,586 13,972 13,813 13,084 13,959 12,401
Total Long-Term Debt		 16,286 15,887 18,855 14,100 17,354 13,467 13,804 13,082 13,944 12,401
Net Debt		 10,355 5,040 11,579 3,348 1,862 1,939 1,822 754 2,396 1,165
Capital Expenditures (CapEx)		 85 -15 52 39 33 48 10 30 34 48
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 18,776 15,890 19,873 15,199 17,586 13,972 13,813 13,084 13,959 12,401
Total Depreciation and Amortization (D&A)		 121 117 118 112 122 126 102 143 129 124
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.23 $1.27 $1.00 $0.93 $0.85 $0.36 $0.66 $0.79 $0.77 $0.83
Adjusted Weighted Average Basic Shares Outstanding		 495.65M 475.96M 485.44M 479.47M 469.48M 475.09M 461.36M 454.14M 446.56M 450.68M
Adjusted Diluted Earnings per Share		 $1.23 $1.27 $1.00 $0.92 $0.85 $0.36 $0.65 $0.78 $0.77 $0.83
Adjusted Weighted Average Diluted Shares Outstanding		 497.48M 477.80M 487.71M 480.98M 471.18M 476.69M 463.80M 456.56M 449.91M 453.51M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 492.49M 484.11M 483.99M 472.29M 466.22M 458.76M 455.02M 448.30M 440.70M 437.14M
Normalized Net Operating Profit after Tax (NOPAT)		 636 653 511 478 430 189 334 392 382 401
Normalized NOPAT Margin		 29.21% 29.68% 24.01% 22.83% 21.35% 9.51% 17.05% 19.97% 20.09% 20.19%
Pre Tax Income Margin		 37.35% 37.64% 31.20% 29.23% 27.26% 10.31% 21.95% 24.45% 24.72% 25.58%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 2.67 1.49 0.87 0.65 0.51 0.17 0.37 0.41 0.40 0.48
NOPAT to Interest Expense		 2.09 1.17 0.67 0.51 0.40 0.16 0.29 0.34 0.33 0.38
EBIT Less CapEx to Interest Expense		 2.39 1.51 0.81 0.61 0.48 0.13 0.36 0.39 0.37 0.44
NOPAT Less CapEx to Interest Expense		 1.81 1.20 0.60 0.47 0.37 0.12 0.28 0.31 0.30 0.34
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 43.69% 43.03% 43.07% 41.40% 44.93% 57.71% 64.15% 67.88% 69.93% 59.84%
Augmented Payout Ratio		 54.05% 50.41% 68.62% 76.82% 95.95% 114.05% 120.48% 123.64% 133.54% 129.42%

Frequently Asked Questions About Citizens Financial Group's Financials

When does Citizens Financial Group's financial year end?

According to the most recent income statement we have on file, Citizens Financial Group's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Citizens Financial Group's net income changed over the last 9 years?

Citizens Financial Group's net income appears to be on an upward trend, with a most recent value of $1.51 billion in 2024, rising from $840 million in 2015. The previous period was $1.61 billion in 2023. See where experts think Citizens Financial Group is headed by visiting Citizens Financial Group's forecast page.

How has Citizens Financial Group revenue changed over the last 9 years?

Over the last 9 years, Citizens Financial Group's total revenue changed from $4.82 billion in 2015 to $7.81 billion in 2024, a change of 61.9%.

How much debt does Citizens Financial Group have?

Citizens Financial Group's total liabilities were at $193.27 billion at the end of 2024, a 2.2% decrease from 2023, and a 63.0% increase since 2015.

How much cash does Citizens Financial Group have?

In the past 9 years, Citizens Financial Group's cash and equivalents has ranged from $3.03 billion in 2017 to $12.73 billion in 2020, and is currently $10.60 billion as of their latest financial filing in 2024.

How has Citizens Financial Group's book value per share changed over the last 9 years?

Over the last 9 years, Citizens Financial Group's book value per share changed from 36.77 in 2015 to 50.24 in 2024, a change of 36.7%.


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This page (NYSE:CFG) was last updated on 5/7/2025 by MarketBeat.com Staff
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