Citizens Financial Group, Inc.

NYSE-CFG

Basic

Market Cap
$19.59B
EV
—
Shares Out
452.96M
Revenue
$7,228M
Employees
17,510

Margins

Gross
—
EBITDA
—
Operating
—
Pre-Tax
23.02%
Net
18.61%
FCF
37%

Returns (5Yr Avg)

ROA
0.92%
ROTA
8.18%
ROE
7.74%
ROCE
—
ROIC
0.97%

Valuation (TTM)

P/E
—
P/B
—
EV/Sales
—
EV/EBITDA
—
P/FCF
—
EV/Gross Profit
—

Valuation (NTM)

Price Target
$43.19
P/E
—
PEG
—
EV/Sales
—
EV/EBITDA
—
P/FCF
—

Financial Health

Cash
—
Net Debt
$1,934M
Debt/Equity
—
EBIT/Interest
—

Growth (CAGR)

Rev 3Yr
3.25%
Rev 5Yr
3.7%
Rev 10Yr
—
Dil EPS 3Yr
-16.2%
Dil EPS 5Yr
-6.72%
Dil EPS 10Yr
6.66%
Rev Fwd 2Yr
0.71%
EBITDA Fwd 2Yr
-5.34%
EPS Fwd 2Yr
1.75%
EPS LT Growth Est
3.68%

Dividends

Yield
—
Payout
63.72%
DPS
$1.68
DPS Growth 3Yr
2.5%
DPS Growth 5Yr
7.32%
DPS Growth 10Yr
—
DPS Growth Fwd 2Yr
1.99%

Metric	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	LTM
Interest Income On Loans						5,517	4,827	4,348	6,092	8,591	8,459
Interest Income On Investments						672	530	503	968	1,613	1,997
Interest Income, Total						6,189	5,357	4,851	7,060	10,204	10,456
Interest On Deposits						1,155	509	160	651	3,145	3,824
Total Interest On Borrowings						420	262	179	397	818	770
Interest Expense, Total						1,575	771	339	1,048	3,963	4,594
Net Interest Income						4,614	4,586	4,512	6,012	6,241	5,862
Trust Income						202	203	239	249	259	274
Total Mortgage Banking Activities						302	915	434	261	242	229
Gain (Loss) on Sale of Invest. & Securities						19	4	10	9	28	19
Total Other Non Interest Income						1,354	1,197	1,452	1,490	1,454	1,540
Non Interest Income, Total						1,877	2,319	2,135	2,009	1,983	2,062
Revenues Before Provison For Loan Losses						6,491	6,905	6,647	8,021	8,224	7,924
Provision For Loan Losses						393	1,616	-411	474	687	696
Total Revenues						6,098	5,289	7,058	7,547	7,537	7,228
Total Revenues % Chg.						5.1%	-13.3%	33.4%	6.9%	-0.1%	-9.3%
Salaries And Other Employee Benefits						1,971	2,075	2,073	2,465	2,512	2,570
Amort. of Goodwill & Intang. Assets				—	—	—	—	—	—	—	—
Occupancy Expense	—					333	331	333	410	492	492
Selling General & Admin Expenses, Total						1,179	1,266	1,375	1,598	1,717	1,685
Total Other Non Interest Expense						364	319	300	419	786	771
Non Interest Expense, Total						3,847	3,991	4,081	4,892	5,507	5,518
EBT, Excl. Unusual Items						2,251	1,298	2,977	2,655	2,030	1,710
Restructuring Charges		—	—	—	—	—	—	—	—	—	—
Total Merger & Related Restructuring Charges	—	—	—	—	—	—	—	—	—	—	-6
Asset Writedown		—	—	—	—	—	—	—	—	—	—
Other Unusual Items	—	—	—	—	—	—	—	—	—	—	-40
EBT, Incl. Unusual Items						2,251	1,298	2,977	2,655	2,030	1,664
Income Tax Expense						460	241	658	582	422	319
Earnings From Continuing Operations						1,791	1,057	2,319	2,073	1,608	1,345
Net Income						1,791	1,057	2,319	2,073	1,608	1,345
Preferred Dividend and Other Adjustments	—					73	107	113	113	117	125
Net Income to Common Incl Extra Items						1,718	950	2,206	1,960	1,491	1,220
Net Income to Common Excl. Extra Items						1,718	950	2,206	1,960	1,491	1,220
Total Shares Outstanding						433.1	427.2	422.1	492.3	466.4	453
Weighted Avg. Shares Outstanding						449.7	427.1	425.7	476	475.1	462.7
Weighted Avg. Shares Outstanding Dil						451.2	428.2	427.4	477.8	476.7	464.6
EPS						3.8	2.2	5.2	4.1	3.1	2.6
EPS Diluted						3.8	2.2	5.2	4.1	3.1	2.6
Effective Tax Rate						20.4%	18.6%	22.1%	21.9%	20.8%	19.2%