Financials Citizens Financial Group, Inc. Nyse

Equities

CFG.PRE

US1746104025

Banks

Market Closed - Nyse 01:30:02 17/05/2024 am IST 5-day change 1st Jan Change
19.87 USD -1.68% Intraday chart for Citizens Financial Group, Inc. -1.24% 0.00%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 17,654 15,272 20,138 19,389 15,451 16,617 - -
Enterprise Value (EV) 1 17,654 15,272 20,138 19,389 15,451 16,617 16,617 16,617
P/E ratio 10.7 x 16.1 x 9.16 x 9.6 x 10.6 x 11.7 x 9.12 x 7.26 x
Yield 3.35% 4.36% 3.3% 4.11% 5.07% 4.66% 4.79% 4.93%
Capitalization / Revenue 2.72 x 2.21 x 3.03 x 2.42 x 1.88 x 2.11 x 1.98 x 1.84 x
EV / Revenue 2.72 x 2.21 x 3.03 x 2.42 x 1.88 x 2.11 x 1.98 x 1.84 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.85 x 0.74 x 0.93 x 0.89 x 0.69 x 0.73 x 0.68 x 0.63 x
Nbr of stocks (in thousands) 4,34,719 4,27,073 4,26,200 4,92,491 4,66,223 4,55,020 - -
Reference price 2 40.61 35.76 47.25 39.37 33.14 36.52 36.52 36.52
Announcement Date 17/01/20 20/01/21 19/01/22 17/01/23 17/01/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 6,491 6,905 6,647 8,021 8,224 7,871 8,397 9,044
EBITDA - - - - - - - -
EBIT 1 2,712 3,039 2,671 3,422 3,223 2,785 3,149 3,116
Operating Margin 41.78% 44.01% 40.18% 42.66% 39.19% 35.38% 37.5% 34.45%
Earnings before Tax (EBT) 1 2,251 1,298 2,977 2,655 2,030 1,979 2,417 3,054
Net income 1 1,718 950 2,206 1,960 1,491 1,443 1,788 2,218
Net margin 26.47% 13.76% 33.19% 24.44% 18.13% 18.33% 21.29% 24.52%
EPS 2 3.810 2.220 5.160 4.100 3.130 3.114 4.007 5.030
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 1.360 1.560 1.560 1.620 1.680 1.702 1.750 1.802
Announcement Date 17/01/20 20/01/21 19/01/22 17/01/23 17/01/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 1,720 1,645 1,999 2,177 2,200 2,128 2,200 2,014 1,988 1,959 1,950 1,965 2,000 2,003 2,081
EBITDA - - - - - - - - - - - - - - -
EBIT 1 710 587 850 982 1,003 898 861 743 721 683 679.6 706.3 738.1 699.2 775.2
Operating Margin 41.28% 35.68% 42.52% 45.11% 45.59% 42.2% 39.14% 36.89% 36.27% 34.86% 34.86% 35.94% 36.91% 34.92% 37.25%
Earnings before Tax (EBT) 1 684 536 478 813 828 664 612 549 205 430 492.7 508.3 538.5 505.7 588.5
Net income 1 498 396 332 611 621 488 444 430 159 334 360.7 370.1 394.5 366.3 431.5
Net margin 28.95% 24.07% 16.61% 28.07% 28.23% 22.93% 20.18% 21.35% 8% 17.05% 18.5% 18.84% 19.73% 18.29% 20.74%
EPS 2 1.170 0.9300 0.6700 1.230 1.250 1.000 0.9200 0.8500 0.3400 0.6500 0.7756 0.8078 0.8754 0.8197 0.9656
Dividend per Share 2 0.3900 0.3900 0.3900 0.4200 0.4200 0.4200 0.4200 0.4200 0.4200 0.4200 0.4218 0.4316 0.4315 0.4378 0.4378
Announcement Date 19/01/22 19/04/22 19/07/22 19/10/22 17/01/23 19/04/23 19/07/23 18/10/23 17/01/24 17/04/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 8.45% 4.65% 10.5% 9% 10.9% 6.47% 7.58% 8.99%
ROA (Net income/ Total Assets) 1.1% 0.6% 1.25% 0.96% 0.72% 0.68% 0.79% 0.8%
Assets 1 1,56,182 1,58,333 1,76,480 2,04,167 2,07,083 2,12,566 2,27,115 2,77,189
Book Value Per Share 2 47.60 48.50 50.70 44.00 47.90 49.80 53.30 58.10
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 17/01/20 20/01/21 19/01/22 17/01/23 17/01/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
20
Last Close Price
36.52 USD
Average target price
39.16 USD
Spread / Average Target
+7.22%
Consensus
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