Citizens Financial Group Inc

Chart & Performance

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Profile

Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, 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. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. 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.

URL

https://www.citizensbank.com/

IPO date

Sep 24, 2014

Employees

18,468

Domiciled in

Incorporated in

Valuation

Order:

Title USD in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title USD in thousands, except ratios and share amounts	2024‑12	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12
Income
Revenues	7,794,000 32,213.43%	24,120 -99.70%	8,021,000 20.67%
Cost of revenue	2,989,000	3,191,920	2,720,490
Unusual Expense (Income)
NOPBT	4,805,000	(3,167,800)	5,300,510
NOPBT Margin	61.65%		66.08%
Operating Taxes	379,000	422,000	582,000
Tax Rate	7.89%		10.98%
NOPAT	4,426,000	(3,589,800)	4,718,510
Net income	1,509,000 -6.16%	1,608,000 -22.43%	2,073,000 -10.61%
Dividends	(769,000)	(928,000)	(892,000)
Dividend yield	3.87%	5.87%	4.74%
Proceeds from repurchase of equity	(1,350,000)	(906,000)	(153,000)
BB yield	6.80%	5.74%	0.81%
Debt
Debt current		505,000	3,000
Long-term debt	12,401,000	13,764,000	16,746,000
Deferred revenue
Other long-term liabilities	(12,401,000)	470,000	(15,884,000)
Net debt	(20,212,000)	(17,412,000)	(51,949,000)
Cash flow
Cash from operating activities	2,001,000	2,961,000	4,119,000
CAPEX		(172,000)	(126,000)
Cash from investing activities	2,987,000	5,248,000	(12,637,000)
Cash from financing activities	(6,015,000)	(7,128,000)	9,907,000
FCF	30,241,000	(4,145,800)	6,302,510
Balance
Cash	32,613,000	31,571,000	34,857,000
Long term investments		110,000	33,841,000
Excess cash	32,223,300	31,679,794	68,296,950
Stockholders' equity	8,937,000	8,078,000	6,619,000
Invested Capital	138,418,000	214,391,000	220,117,000
ROIC	2.51%		2.37%
ROCE	3.26%		2.34%
EV
Common stock shares outstanding	453,510	476,693	477,803
Price	43.76 32.05%	33.14 -15.82%	39.37 -16.68%
Market cap	19,845,608 25.62%	15,797,611 -16.02%	18,811,110 -6.86%
EV	1,746,608	399,611	(31,123,890)
EBITDA	5,303,000	(2,689,800)	5,865,510
EV/EBITDA	0.33
Interest	4,553,000	3,963,000	1,048,000
Interest/NOPBT	94.76%		19.77%