CFG-PE
Citizens Financial Group, Inc.
NYSEUSDEQUITY
DELAYED
Last price
18.04
▼ 0.16 (0.88%)
MARKET · —
Price
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Open
18.20
Prev close
18.20
Day high
18.15
Day low
17.91
Volume
28.73K
Market cap
—
P/E (TTM)
—
52W range
17.63 – 21.70
Trailing performance
Returnvs SPY
1W
+0.61%
+2.0%
1M
-1.15%
-4.9%
3M
-2.49%
-5.6%
6M
-10.69%
-21.8%
YTD
-5.65%
-17.9%
1Y
-9.57%
-29.6%
3Y
+1.63%
-72.5%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Free account
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Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Fundamentals
Market cap—
Enterprise value—
Revenue (TTM)—
Gross profit—
EBITDA—
Net income—
EPS (TTM)—
Free cash flow—
Total cash—
Total debt—
Book value / share—
Shares outstanding—
Float—
Short % of float—
Dividend yield—
Beta (5Y)—
Valuation & profitability ratios
Trailing P/E—
Forward P/E—
PEG ratio—
Price / sales—
Price / book—
EV / revenue—
EV / EBITDA—
Gross margin—
Operating margin—
Profit margin—
Return on equity—
Return on assets—
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $8.25B | $7.81B | $8.22B | $8.02B | +5.6% |
| Operating revenue | $8.25B | $7.81B | $8.22B | $8.02B | +5.6% |
| Selling, general & admin | $3.12B | $2.99B | $2.95B | $2.81B | +4.4% |
| Pre-tax income | $2.33B | $1.89B | $2.03B | $2.65B | +23.3% |
| Tax provision | $497.00M | $379.00M | $422.00M | $582.00M | +31.1% |
| Net income | $1.83B | $1.51B | $1.61B | $2.07B | +21.3% |
| Net income to common | $1.69B | $1.37B | $1.49B | $1.96B | +23.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $13.69B | $11.24B | $12.03B | $10.85B | — | +21.8% |
| Accounts receivable | — | — | — | — | $506.00M | — |
| Property, plant & equipment | $915.00M | $875.00M | $895.00M | $844.00M | — | +4.6% |
| Goodwill & intangibles | $8.30B | $8.33B | $8.35B | $8.37B | — | -0.4% |
| Total assets | $226.35B | $217.52B | $221.96B | $226.73B | — | +4.1% |
| Current debt | $2.05B | $1.99B | $505.00M | $3.00M | — | +3.0% |
| Long-term debt | $9.23B | $10.41B | $13.47B | $15.89B | — | -11.3% |
| Total debt | $11.28B | $12.40B | $13.97B | $15.89B | — | -9.0% |
| Total liabilities | $200.03B | $193.27B | $197.62B | $203.04B | — | +3.5% |
| Retained earnings | $11.35B | $10.41B | $9.82B | $9.16B | — | +9.0% |
| Shareholder equity | $26.32B | $24.25B | $24.34B | $23.69B | — | +8.5% |
| Net tangible assets | $18.02B | $15.92B | $16.00B | $15.32B | — | +13.2% |
| Shares issued | 652.24M | 650.07M | 647.83M | 645.22M | — | +0.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $1.83B | $1.51B | $1.61B | $2.07B | +21.3% |
| Depreciation & amortisation | $478.00M | $498.00M | $478.00M | $565.00M | -4.0% |
| Stock-based compensation | $120.00M | $97.00M | $87.00M | $84.00M | +23.7% |
| Change in working capital | -$306.00M | -$571.00M | $273.00M | -$858.00M | +46.4% |
| Operating cash flow | $2.21B | $2.00B | $2.96B | $4.12B | +10.5% |
| Capital expenditure | -$174.00M | -$122.00M | -$172.00M | -$126.00M | -42.6% |
| Investing cash flow | -$5.97B | $2.99B | $5.25B | -$12.64B | -299.8% |
| Share buybacks | -$1.00B | -$1.35B | -$906.00M | -$153.00M | +25.9% |
| Dividends paid | -$888.00M | -$903.00M | -$928.00M | -$892.00M | +1.7% |
| Financing cash flow | $5.88B | -$6.01B | -$7.13B | $9.91B | +197.8% |
| Free cash flow | $2.04B | $1.88B | $2.79B | $3.99B | +8.4% |
| End cash position | $12.73B | $10.60B | $11.63B | $10.55B | +20.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $2.28B | $2.17B | $2.16B | $2.12B | $2.04B | +5.3% |
| Operating revenue | $2.28B | $2.17B | $2.16B | $2.12B | $2.04B | +5.3% |
| Selling, general & admin | $826.00M | $829.00M | $802.00M | $781.00M | $764.00M | -0.4% |
| Pre-tax income | $755.00M | $650.00M | $677.00M | $629.00M | $554.00M | +16.2% |
| Tax provision | $168.00M | $133.00M | $149.00M | $135.00M | $118.00M | +26.3% |
| Net income | $587.00M | $517.00M | $528.00M | $494.00M | $436.00M | +13.5% |
| Net income to common | $554.00M | $484.00M | $489.00M | $457.00M | $402.00M | +14.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $13.87B | $13.16B | $13.69B | $12.34B | $9.23B | +5.4% |
| Property, plant & equipment | $873.00M | $874.00M | $915.00M | $857.00M | $855.00M | -0.1% |
| Goodwill & intangibles | $8.32B | $8.33B | $8.30B | $8.31B | $8.32B | -0.1% |
| Total assets | $233.84B | $227.92B | $226.35B | $222.75B | $218.31B | +2.6% |
| Current debt | $1.66B | $2.04B | $2.05B | $2.20B | $2.24B | -18.8% |
| Long-term debt | $14.69B | $10.27B | $9.23B | $8.45B | $10.54B | +43.0% |
| Total debt | $16.35B | $12.31B | $11.28B | $10.65B | $12.78B | +32.8% |
| Total liabilities | $207.65B | $201.75B | $200.03B | $196.92B | $193.08B | +2.9% |
| Retained earnings | $11.99B | $11.63B | $11.35B | $11.06B | $10.78B | +3.1% |
| Shareholder equity | $26.18B | $26.17B | $26.32B | $25.83B | $25.23B | +0.0% |
| Net tangible assets | $17.86B | $17.84B | $18.02B | $17.52B | $16.92B | +0.1% |
| Shares issued | 422.68M | 653.83M | 652.24M | 652.11M | 651.91M | -35.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $587.00M | $517.00M | $528.00M | $494.00M | $436.00M | — | +13.5% |
| Depreciation & amortisation | $99.00M | $113.00M | $112.00M | $119.00M | $124.00M | — | -12.4% |
| Stock-based compensation | $49.00M | $33.00M | $23.00M | $23.00M | $43.00M | — | +48.5% |
| Change in working capital | -$116.00M | -$326.00M | -$628.00M | $670.00M | $188.00M | — | +64.4% |
| Operating cash flow | $726.00M | $237.00M | -$158.00M | $1.70B | $886.00M | — | +206.3% |
| Capital expenditure | — | — | -$92.00M | -$35.00M | -$33.00M | -$14.00M | — |
| Investing cash flow | -$5.46B | -$1.80B | -$1.93B | -$1.50B | -$1.43B | — | -203.1% |
| Share buybacks | -$225.00M | -$300.00M | -$525.00M | -$75.00M | -$200.00M | — | +25.0% |
| Dividends paid | -$231.00M | -$236.00M | -$233.00M | -$217.00M | -$218.00M | — | +2.1% |
| Financing cash flow | $5.17B | $1.17B | $3.17B | $2.90B | -$2.45B | — | +342.2% |
| Free cash flow | $705.00M | $237.00M | -$250.00M | $1.66B | $853.00M | — | +197.5% |
| End cash position | $12.76B | $12.33B | $12.73B | $11.65B | $8.55B | — | +3.5% |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
Consensus—
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders—
Held by institutions—
Institutions holding—
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
17.97
+0.40% from price
SMA 20
18.09
-0.30% from price
SMA 50
18.20
-0.86% from price
SMA 100
18.52
-2.61% from price
SMA 200
19.03
-5.22% from price
EMA 12
18.03
+0.07% from price
EMA 26
18.12
-0.42% from price
EMA 50
18.25
-1.13% from price
RSI (14)
46.7
Neutral
MACD (12,26,9)
-0.09
Hist 0.00
ATR (14)
0.25
1.36% of price
Realised vol 30D
9.5%
Annualised
Bollinger upper
18.42
20, 2σ
Bollinger lower
17.77
20, 2σ
50 / 200 cross
Death
18.20 vs 19.03
Trend bias
Below 200
-5.22%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.33
Less volatile than market
Correlation to SPY
0.42
Loosely linked
Realised vol 30D
9.5%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-17.8%
Peak to trough
Max drawdown 5Y
-44.2%
Peak to trough
ATR 14
0.25
1.36% of price
Beta (reported)
—
5Y monthly, from filing
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