CFG-PH
Citizens Financial Group, Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Sell
-27/100
Last price
25.06
▼ 0.43 (1.69%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
25.18
Prev close
25.49
Day high
25.21
Day low
25.06
Volume
4.48K
Market cap
—
P/E (TTM)
—
52W range
24.54 – 26.93
Day trading desk
Gap from prior close
-0.63%
Prior close 25.34
VWAP
25.18
-0.48% from price
Relative volume
0.05×
Quiet session
Session range
0.60%
25.06 – 25.21
Position in range
0%
Near session low
ATR (14D)
0.42
1.69% of price
Prior day high
25.63
PDH
Prior day low
25.11
PDL
Bid / ask spread
—
Quote not published
Session volume
1.58K
Avg 34.00K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-0.95%
-2.7%
1M
-3.58%
-4.9%
3M
-2.32%
-5.5%
6M
-2.60%
-17.4%
YTD
-4.90%
-18.7%
1Y
-5.75%
-21.3%
3Y
—
-81.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CFG-PH open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
0
Total on file
Fundamentals
Market cap—
Enterprise value—
Revenue (TTM)$7.37B
Gross profit$7.37B
EBITDA—
Net income$1.31B
EPS (TTM)—
Free cash flow—
Total cash$12.46B
Total debt$15.52B
Book value / share$47.43
Shares outstanding—
Float451.18M
Short % of float—
Dividend yield—
Beta (5Y)1.35
Valuation & profitability ratios
Trailing P/E—
Forward P/E—
PEG ratio—
Price / sales—
Price / book0.53
EV / revenue—
EV / EBITDA—
Gross margin0.00%
Operating margin24.05%
Profit margin19.43%
Return on equity5.97%
Return on assets0.65%
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% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
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
25.18
-0.50% from price
SMA 20
25.54
-1.87% from price
SMA 50
25.71
-2.55% from price
SMA 100
25.74
-2.63% from price
SMA 200
25.96
-3.47% from price
EMA 12
25.32
-1.04% from price
EMA 26
25.50
-1.73% from price
EMA 50
25.63
-2.22% from price
RSI (14)
38.3
Neutral
MACD (12,26,9)
-0.18
Hist -0.03
ATR (14)
0.42
1.69% of price
Realised vol 30D
10.6%
Annualised
Bollinger upper
26.36
20, 2σ
Bollinger lower
24.71
20, 2σ
50 / 200 cross
Death
25.71 vs 25.96
Trend bias
Below 200
-3.47%
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
0.17
Less volatile than market
Correlation to SPY
0.30
Largely independent
Realised vol 30D
10.6%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-7.5%
Peak to trough
Max drawdown 5Y
-9.9%
Peak to trough
ATR 14
0.42
1.69% of price
Beta (reported)
1.35
5Y monthly, from filing
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.