Citizens Net Debt from 2010 to 2026

CFG Stock

USD 65.10 0.32 0.49%

Citizens Financial's Net Debt is decreasing over the last several years with slightly volatile swings. Net Debt is estimated to finish at about -1.4 B this year. Net Debt is the total debt of Citizens Financial Group minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds. View All Fundamentals

Net Debt

First Reported

2012-12-31

Previous Quarter

-1.7 B

Current Value

-1.4 B

Quarterly Volatility

6 B

Yuan Drop

Covid

Interest Hikes

Check Citizens Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Citizens Financial's main balance sheet or income statement drivers, such as Depreciation And Amortization of 542.4 M, Interest Expense of 4 B or Selling General Administrative of 2.4 B, as well as many indicators such as Price To Sales Ratio of 2.59, Dividend Yield of 0.0314 or PTB Ratio of 0.62. Citizens financial statements analysis is a perfect complement when working with Citizens Financial Valuation or Volatility modules.

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Check out the analysis of Citizens Financial Correlation against competitors.

The Net Debt trend for Citizens Financial Group offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether Citizens Financial is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.

Latest Citizens Financial's Net Debt Growth Pattern

Below is the plot of the Net Debt of Citizens Financial Group over the last few years. It is the total debt of a company minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds. Citizens Financial's Net Debt historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Citizens Financial's overall financial position and show how it may be relating to other accounts over time.

Net Debt

10 Years Trend

Slightly volatile

Compare to Others All Fundamentals

Net Debt

Timeline

Citizens Net Debt Regression Statistics

	Arithmetic Mean	4,088,367,647
	Geometric Mean	3,744,999,536
	Coefficient Of Variation	129.10
	Mean Deviation	4,541,889,273
	Median	1,939,000,000
	Standard Deviation	5,278,061,951
	Sample Variance	27857938T
	Range	16.3B
	R-Value	(0.33)
	Mean Square Error	26441258.1T
	R-Squared	0.11
	Significance	0.19
	Slope	(346,933,824)
	Total Sum of Squares	445727007.3T

Citizens Net Debt History

	2026	-1.4 B
	2025	-1.4 B
	2024	1.2 B
	2023	1.9 B
	2022	5 B
	2021	-2.5 B
	2020	-4.5 B

Other Fundumenentals of Citizens Financial

Net Debt To E B I T D A

Citizens Financial Net Debt component correlations

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Accounts Payable	Long Term Debt	Net Receivables	Good Will	Short Term Investments	Total Liab	Total Current Assets	Short Term Debt	Intangible Assets	Common Stock	Property Plant Equipment	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Deferred Long Term Liab	Long Term Investments	Short Long Term Debt	Treasury Stock	Earning Assets	Net Invested Capital	Capital Stock
Total Assets		0.58	-0.39	0.85	0.98	0.49	0.37	-0.3	0.89	1.0	0.21	-0.79	-0.73	0.55	0.71	0.75	0.25	0.88	0.48	-0.63	-0.8	-0.92	0.95	0.28	0.92
Total Stockholder Equity	0.58		-0.73	0.89	0.62	-0.16	0.46	0.46	0.68	0.54	-0.03	-0.52	0.02	0.55	0.48	0.56	-0.25	0.64	0.1	-0.55	-0.26	-0.49	0.65	0.17	0.65
Net Debt	-0.39	-0.73		-0.57	-0.43	0.42	-0.38	-0.27	-0.5	-0.35	0.13	0.27	-0.1	-0.39	-0.3	-0.48	0.59	-0.4	0.14	0.46	0.06	0.36	-0.54	0.31	-0.62
Retained Earnings	0.85	0.89	-0.57		0.88	0.19	0.33	0.18	0.86	0.82	-0.02	-0.71	-0.35	0.57	0.69	0.67	0.07	0.78	0.28	-0.61	-0.59	-0.78	0.86	0.21	0.82
Accounts Payable	0.98	0.62	-0.43	0.88		0.42	0.37	-0.23	0.93	0.98	0.18	-0.75	-0.67	0.62	0.69	0.76	0.21	0.85	0.43	-0.64	-0.74	-0.88	0.97	0.2	0.9
Long Term Debt	0.49	-0.16	0.42	0.19	0.42		0.1	-0.67	0.36	0.52	0.45	-0.62	-0.86	0.13	0.38	0.39	0.91	0.28	0.72	0.1	-0.77	-0.58	0.35	0.26	0.31
Net Receivables	0.37	0.46	-0.38	0.33	0.37	0.1		-0.26	0.53	0.36	0.76	-0.34	-0.26	0.78	0.08	0.73	-0.03	0.54	0.35	-0.29	-0.19	-0.28	0.48	0.38	0.41
Good Will	-0.3	0.46	-0.27	0.18	-0.23	-0.67	-0.26		-0.17	-0.34	-0.54	0.3	0.79	-0.15	-0.03	-0.43	-0.51	-0.14	-0.54	-0.07	0.53	0.4	-0.27	-0.01	-0.27
Short Term Investments	0.89	0.68	-0.5	0.86	0.93	0.36	0.53	-0.17		0.88	0.31	-0.62	-0.56	0.8	0.73	0.79	0.16	0.85	0.38	-0.66	-0.6	-0.76	0.93	0.2	0.84
Total Liab	1.0	0.54	-0.35	0.82	0.98	0.52	0.36	-0.34	0.88		0.21	-0.78	-0.75	0.53	0.71	0.75	0.27	0.87	0.49	-0.62	-0.81	-0.92	0.94	0.28	0.91
Total Current Assets	0.21	-0.03	0.13	-0.02	0.18	0.45	0.76	-0.54	0.31	0.21		-0.24	-0.46	0.57	-0.05	0.49	0.35	0.3	0.35	-0.03	-0.24	-0.11	0.23	0.38	0.08
Short Term Debt	-0.79	-0.52	0.27	-0.71	-0.75	-0.62	-0.34	0.3	-0.62	-0.78	-0.24		0.73	-0.31	-0.4	-0.78	-0.46	-0.54	-0.69	0.25	0.87	0.89	-0.75	-0.1	-0.77
Intangible Assets	-0.73	0.02	-0.1	-0.35	-0.67	-0.86	-0.26	0.79	-0.56	-0.75	-0.46	0.73		-0.3	-0.42	-0.64	-0.67	-0.5	-0.72	0.24	0.86	0.77	-0.65	-0.14	-0.61
Common Stock	0.55	0.55	-0.39	0.57	0.62	0.13	0.78	-0.15	0.8	0.53	0.57	-0.31	-0.3		0.35	0.7	0.07	0.67	0.32	-0.44	-0.25	-0.38	0.67	0.28	0.52
Property Plant Equipment	0.71	0.48	-0.3	0.69	0.69	0.38	0.08	-0.03	0.73	0.71	-0.05	-0.4	-0.42	0.35		0.31	0.19	0.76	0.18	-0.55	-0.47	-0.63	0.6	0.31	0.64
Net Tangible Assets	0.75	0.56	-0.48	0.67	0.76	0.39	0.73	-0.43	0.79	0.75	0.49	-0.78	-0.64	0.7	0.31		0.21	0.61	0.57	-0.41	-0.7	-0.79	0.86	0.05	0.8
Long Term Debt Total	0.25	-0.25	0.59	0.07	0.21	0.91	-0.03	-0.51	0.16	0.27	0.35	-0.46	-0.67	0.07	0.19	0.21		0.05	0.65	0.33	-0.63	-0.37	0.12	0.21	0.06
Capital Surpluse	0.88	0.64	-0.4	0.78	0.85	0.28	0.54	-0.14	0.85	0.87	0.3	-0.54	-0.5	0.67	0.76	0.61	0.05		0.32	-0.73	-0.5	-0.69	0.82	0.57	0.79
Deferred Long Term Liab	0.48	0.1	0.14	0.28	0.43	0.72	0.35	-0.54	0.38	0.49	0.35	-0.69	-0.72	0.32	0.18	0.57	0.65	0.32		0.0	-0.63	-0.57	0.46	0.17	0.48
Long Term Investments	-0.63	-0.55	0.46	-0.61	-0.64	0.1	-0.29	-0.07	-0.66	-0.62	-0.03	0.25	0.24	-0.44	-0.55	-0.41	0.33	-0.73	0.0		0.19	0.41	-0.65	-0.22	-0.59
Short Long Term Debt	-0.8	-0.26	0.06	-0.59	-0.74	-0.77	-0.19	0.53	-0.6	-0.81	-0.24	0.87	0.86	-0.25	-0.47	-0.7	-0.63	-0.5	-0.63	0.19		0.9	-0.73	-0.08	-0.71
Treasury Stock	-0.92	-0.49	0.36	-0.78	-0.88	-0.58	-0.28	0.4	-0.76	-0.92	-0.11	0.89	0.77	-0.38	-0.63	-0.79	-0.37	-0.69	-0.57	0.41	0.9		-0.88	-0.1	-0.92
Earning Assets	0.95	0.65	-0.54	0.86	0.97	0.35	0.48	-0.27	0.93	0.94	0.23	-0.75	-0.65	0.67	0.6	0.86	0.12	0.82	0.46	-0.65	-0.73	-0.88		0.1	0.94
Net Invested Capital	0.28	0.17	0.31	0.21	0.2	0.26	0.38	-0.01	0.2	0.28	0.38	-0.1	-0.14	0.28	0.31	0.05	0.21	0.57	0.17	-0.22	-0.08	-0.1	0.1		0.06
Capital Stock	0.92	0.65	-0.62	0.82	0.9	0.31	0.41	-0.27	0.84	0.91	0.08	-0.77	-0.61	0.52	0.64	0.8	0.06	0.79	0.48	-0.59	-0.71	-0.92	0.94	0.06

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About Citizens Financial Financial Statements

Citizens Financial stakeholders use historical fundamental indicators, such as Citizens Financial's Net Debt, to determine how well the company is positioned to perform in the future. Although Citizens Financial investors may analyze each financial statement separately, they are all interrelated. For example, changes in Citizens Financial's assets and liabilities are reflected in the revenues and expenses on Citizens Financial's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Citizens Financial Group. Please read more on our technical analysis and fundamental analysis pages.

	Last Reported	Projected for Next Year
Net Debt	-1.4 B	-1.4 B
Net Debt To EBITDA	(0.54)	(0.51)

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When determining whether Citizens Financial is a strong investment it is important to analyze Citizens Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Citizens Financial's future performance. For an informed investment choice regarding Citizens Stock, refer to the following important reports:

How To Invest In Citizens

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Is Citizens Stock a good investment?

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What is Citizens Financial's Net Worth?

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Check out the analysis of Citizens Financial Correlation against competitors.

You can also try the Bonds Directory module to find actively traded corporate debentures issued by US companies.

Can Regional Banks industry sustain growth momentum? Does Citizens have expansion opportunities? Factors like these will boost the valuation of Citizens Financial. Projected growth potential of Citizens fundamentally drives upward valuation adjustments. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Citizens Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.

Quarterly Earnings Growth

0.348

Dividend Share

1.72

Earnings Share

3.86

Revenue Per Share

17.635

Quarterly Revenue Growth

0.107

Investors evaluate Citizens Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Citizens Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. External factors like market trends, sector rotation, and investor psychology can cause Citizens Financial's market price to deviate significantly from intrinsic value.

It's important to distinguish between Citizens Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Citizens Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Citizens Financial's market price signifies the transaction level at which participants voluntarily complete trades.

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Citizens Net Debt from 2010 to 2026

Latest Citizens Financial's Net Debt Growth Pattern

Citizens Net Debt Regression Statistics

Citizens Net Debt History

Other Fundumenentals of Citizens Financial

Citizens Financial Net Debt component correlations

About Citizens Financial Financial Statements

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