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CITIZENS FINANCIAL GROUP INC/RI CFG

NYSE · stock · State Commercial Banks · website · IPO 2014-09-24

CITIZENS FINANCIAL GROUP INC/RI statistics & valuation

Market cap$29.8B
P / E16.3×
P / S3.6×
P / B1.1×
Dividend yield2.54%
Net margin22.2%
Return on equity7.0%
Net debt$11.2B
Enterprise value USD$41.0B
Graham number -2.1%$72.33

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($72.33); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
19.90% 28.90% 28.10% 27.60% 15.30% 34.90% 25.80% 19.60% 19.30% 22.20% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
5.30% 8.10% 8.30% 8.10% 4.70% 9.90% 8.80% 6.60% 6.20% 7.00% 2016201720182019202020212022202320242025
Shares outstanding
523.9M 503.7M 480.4M 451.2M 428.2M 427.4M 492.3M 476.7M 453.5M 436.9M 2016201720182019202020212022202320242025
Net debt ($)
$9.09B $8.73B $11.85B $14.05B $8.35B $6.93B $15.89B $13.47B $12.40B $11.22B 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.70% 1.10% 1.10% 1.10% 0.60% 1.20% 0.90% 0.70% 0.70% 0.80% 2016201720182019202020212022202320242025
Free cash flow margin (%)
28.60% 25.00% 24.20% 2016201720182019202020212022202320242025
Debt / equity (×)
0.65× 0.58× 0.76× 0.63× 0.37× 0.30× 0.67× 0.55× 0.51× 0.43× 2016201720182019202020212022202320242025
EPS ($)
$1.97 $3.25 $3.52 $3.81 $2.22 $5.16 $4.10 $3.13 $3.03 $3.86 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CITIZENS FINANCIAL GROUP INC/RI trades at about 19.1× earnings — above its 10-year norm (10-year range 9.6×–18.4×, median 14.1×).

9.6× 19.1×

Shaded band = 10-year range (9.6×–18.4×); dot = today's 19.1×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin22.2%19.3%19.6%25.8%34.9%15.3%27.6%28.1%28.9%19.9%
FCF margin——————24.2%25.0%28.6%—
Return on assets0.8%0.7%0.7%0.9%1.2%0.6%1.1%1.1%1.1%0.7%
Return on equity7.0%6.2%6.6%8.8%9.9%4.7%8.1%8.3%8.1%5.3%
Debt / equity0.43×0.51×0.55×0.67×0.30×0.37×0.63×0.76×0.58×0.65×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.