Citizens Financial Group, Inc. CFG SPX
Company Overview
Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and education and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.
Why Investors Should Care
Trades at an undemanding P/E of 16.7.
Maintains a net profit margin of 25.0%.
Offers a dividend yield of 2.72%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $1.64B (+6.7% YoY); net profit $1.83B.
- Trailing 12 Months Year-on-year growth — revenue +13.8%, earnings +46.8%.
- 5-Year Trend Long-term compounding — revenue CAGR -8.1%, profit CAGR 8.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | -8.09% |
| 1 Year: | 13.80% |
Compounded Profit Growth
| 5 Years: | 8.38% |
| 1 Year: | 46.80% |
Stock Price Performance
| 1 Year: | +51.62% |
| 6 Months: | +17.83% |
| 3 Months: | +9.37% |
| 1 Month: | +5.73% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)58.27 · Neutral
P/E of 16.66 is above the sector median of 13.30 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 25.0%.
- Attractive dividend yield of 2.72%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Revenue declined at -8.1% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | CFG Citizens Financial Group, Inc. SPX | 70.32 | 16.66 | $29.74B | 2.72% | - | 7.74% | -8.09% | 8.38% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Sep 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 283.00M | 285.00M | 280.00M | 298.00M | 285.00M | 294.00M | 227.00M | 258.00M | 285.00M | 310.00M | 307.00M | 300.00M | 339.00M | 322.00M | 309.00M | 323.00M | 310.00M | 367.00M | 402.00M | 367.00M | 367.00M | 383.00M | 452.00M | 415.00M |
| Net Income | 144.00M | 166.00M | 313.00M | 189.00M | 209.00M | 190.00M | 220.00M | 223.00M | 243.00M | 297.00M | 320.00M | 318.00M | 348.00M | 388.00M | 425.00M | 443.00M | 439.00M | 453.00M | 449.00M | 34.00M | 253.00M | 314.00M | 611.00M | 648.00M | 530.00M | 420.00M | 364.00M | 636.00M | 511.00M | 478.00M | 430.00M | 334.00M | 392.00M | 382.00M | 373.00M | 436.00M | 494.00M | 517.00M |
| Diluted EPS | 0.26 | 0.30 | 0.56 | 0.34 | 0.38 | 0.35 | 0.40 | 0.41 | 0.46 | 0.56 | 0.61 | 0.63 | 0.68 | 0.78 | 0.88 | 0.91 | 0.92 | 0.95 | 0.97 | 0.03 | 0.53 | 0.68 | 1.37 | 1.44 | 1.18 | 0.93 | 0.67 | 1.23 | 1.00 | 0.92 | 0.85 | 0.65 | 0.78 | 0.77 | 0.77 | 0.92 | 1.05 | 1.13 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4.89B | 4.69B | 4.98B | 4.82B | 5.25B | 5.71B | 1.12B | 1.17B | 1.08B | 1.32B | 1.30B | 1.27B | 1.53B | 1.64B |
| Net Income | 643.00M | -3.43B | 865.00M | 840.00M | 1.04B | 1.65B | 1.72B | 1.79B | 1.06B | 2.32B | 2.07B | 1.61B | 1.51B | 1.83B |
| Diluted EPS | 1.15 | -6.12 | 1.55 | 1.55 | 1.97 | 3.25 | 3.52 | 3.81 | 2.22 | 5.16 | 4.10 | 3.13 | 3.03 | 3.86 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 122.15B | 132.86B | 138.21B | 149.52B | 152.34B | 160.52B | 165.73B | 183.35B | 188.41B | 226.73B | 221.96B | 217.52B | 226.35B |
| Total Equity | 23.39B | 24.13B | 19.20B | 19.27B | 19.65B | 19.75B | 20.27B | 20.82B | 22.20B | 22.67B | 23.42B | 23.69B | 24.34B | 24.25B | 26.32B |
| Cash & Equivalents | 3.69B | 3.06B | 2.76B | 3.28B | 3.08B | 3.70B | 3.03B | 4.07B | - | - | - | - | - | - | - |
| Long Term Debt | - | - | 1.41B | 4.64B | 9.89B | 12.79B | 11.77B | 15.93B | 14.05B | 8.35B | 6.93B | 15.89B | 13.47B | 12.40B | 11.22B |
| Total Liabilities | - | - | 102.96B | 113.59B | 118.56B | 129.77B | 132.07B | 139.70B | 143.53B | 160.68B | 164.99B | 203.04B | 197.62B | 193.27B | 200.03B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 1.71B | 2.65B | 1.39B | 1.23B | 1.49B | 1.88B | 1.77B | 1.70B | 111.00M | 2.27B | 4.12B | 2.96B | 2.00B | 2.21B |
| Investing Cash Flow | 919.00M | -2.45B | -10.27B | -5.91B | -11.33B | -3.98B | -7.08B | -3.88B | -6.14B | -10.49B | -12.64B | 5.25B | 2.99B | -5.97B |
| Financing Cash Flow | -3.26B | -502.00M | 9.40B | 4.49B | 10.46B | 1.43B | 6.35B | 1.49B | 15.37B | 4.64B | 9.91B | -7.13B | -6.01B | 5.88B |
| Capital Expenditure | - | - | - | - | - | -253.00M | -232.00M | -126.00M | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | 1.63B | 1.53B | 1.57B | - | - | - | - | - | - |
| Share Buybacks | 0 | 0 | 334.00M | 500.00M | 430.00M | 820.00M | 1.02B | 1.22B | 270.00M | 295.00M | 153.00M | 906.00M | 1.05B | 600.00M |
| Dividends Paid | 150.00M | 1.19B | 790.00M | 71.00M | - | - | - | - | - | - | - | - | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | 13.1% | -73.0% | 17.4% | 17.4% | 19.9% | 28.9% | 153.8% | 152.8% | 97.9% | 175.0% | 159.6% | 127.0% | 98.4% | 112.0% |
| ROE % | 2.7% | -17.8% | 4.5% | 4.3% | 5.3% | 8.1% | 8.3% | 8.1% | 4.7% | 9.9% | 8.8% | 6.6% | 6.2% | 7.0% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 11.04% | 46.70M | $3.35B |
| 2 | Capital World Investors | 6.60% | 27.90M | $2.00B |
| 3 | Vanguard Capital Management LLC | 6.35% | 26.86M | $1.93B |
| 4 | Invesco Ltd. | 5.42% | 22.93M | $1.65B |
| 5 | State Street Corporation | 4.79% | 20.26M | $1.45B |
| 6 | Vanguard Portfolio Management LLC | 4.71% | 19.93M | $1.43B |
| 7 | Morgan Stanley | 3.01% | 12.71M | $912.39M |
| 8 | Geode Capital Management, LLC | 2.79% | 11.81M | $847.64M |
| 9 | AQR Capital Management, LLC | 1.74% | 7.34M | $526.84M |
| 10 | Nordea Investment Management AB | 1.73% | 7.32M | $525.58M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for CFG
Citizens Financial Group (CFG) Q2 Earnings Report Preview: What To Look For - TradingView
<a href="https://news.google.com/rss/articles/CBMizgFBVV95cUxNQ1h0WHBpX3Z1OWE4Z2VUdE9sTUFzZTBiNmdZUnJ0dm5hZmxkMEJ2MVFkc2tyRUs5bWVSOG0wTmVkeGNRel9ibHZldGVtYjVJWmV3a2J6TDF4bk9kTFVuT2FKRmVMNkxaUEU5T1lHSGNJM1AwbmhRZDRFUG8yR1FJMVRtUE1qa2J6RW0zNG…
NII, Loan Growth to Aid CFG's Q2 Earnings Amid Expense Pressures - Yahoo Finance
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When Citizens Financial plans to report each quarter of 2028 - Stock Titan
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How Citizens’ Leadership Consolidation Under Brendan Coughlin Could Reshape the CFG Commercial Banking Narrative - simplywall.st
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Why Citizens Financial Group Stock Fell 4.4% Today - Quiver Quantitative
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Citizens Financial Gears Up For Q2 Print; Here Are The Recent Forecast Changes From Wall Street's Most Ac - Benzinga
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CFG — Frequently Asked Questions
What is the current share price of Citizens Financial Group, Inc. (CFG)?
As of 2026-07-14 21:23 PDT, Citizens Financial Group, Inc. (CFG) trades at $70.32 on NYSE. Its 52-week range is $45.23 to $72.11.
What is the market capitalisation of CFG?
Citizens Financial Group, Inc. (CFG) has a market capitalisation of $29.74B on NYSE.
What is the P/E ratio of CFG?
CFG trades at a trailing price-to-earnings (P/E) ratio of 16.66. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.20.
Does CFG pay a dividend?
Citizens Financial Group, Inc. (CFG) currently offers a dividend yield of 2.72%.
What is the return on equity (ROE) of CFG?
CFG has a return on equity (ROE) of 7.74%.
Is CFG a good stock to buy?
This page provides a data-driven analysis of Citizens Financial Group, Inc. (CFG), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.