Citizens Financial Financials

CFG Stock  USD 48.46  0.81  1.70%   
Based on the analysis of Citizens Financial's profitability, liquidity, and operating efficiency, Citizens Financial Group, may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Citizens Financial's Preferred Stock Total Equity is most likely to increase significantly in the upcoming years. Key indicators impacting Citizens Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.410.574
Way Down
Slightly volatile
Current Ratio90.0694.8
Notably Down
Pretty Stable
Investors should never underestimate Citizens Financial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Citizens Financial's cash flow, debt, and profitability to make informed and accurate decisions about investing in Citizens Financial Group,.

Net Income

1.06 Billion

  
Understanding current and past Citizens Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Citizens Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Citizens Financial's assets may result in an increase in income on the income statement.

Citizens Financial Stock Summary

Citizens Financial competes with PNC Financial, Regions Financial, Fifth Third, Comerica, and Huntington Bancshares. 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. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island. Citizens Financial operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 19235 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS1746101054
CUSIP174610105
LocationRhode Island; U.S.A
Business AddressOne Citizens Plaza,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.citizensbank.com
Phone203 900 6715
CurrencyUSD - US Dollar

Citizens Financial Key Financial Ratios

Citizens Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets165.7B183.3B188.4B226.7B222.0B180.5B
Other Liab3.1B4.8B3.4B3.5B3.1B2.7B
Net Debt10.4B(4.5B)(2.5B)5.0B1.9B1.8B
Retained Earnings6.5B6.4B8.0B9.2B9.8B5.7B
Accounts Payable125.3B147.2B154.4B180.7B207.8B133.2B
Cash3.7B13.0B9.5B10.9B12.0B6.8B
Other Assets106.4B111.4B115.1B217.1B181.2B128.8B
Long Term Debt14.2B8.5B6.9B7.4B13.5B9.9B
Net Receivables2.5B2.0B1.6B1.5B1.1B1.1B
Good Will7.0B7.1B7.1B8.2B8.2B6.0B
Inventory(3.7B)(13.5B)(10.0B)(14.2B)(12.7B)(12.1B)
Other Current Assets3.7B13.5B10.0B(36.0B)13.0B12.4B
Total Liab143.5B160.7B165.0B203.0B197.6B156.7B
Total Current Assets26.8B37.9B37.1B316M31.6B59.9B
Short Term Debt9M243M73M3M505M479.8M
Intangible Assets1.6B1.6B64M197M157M149.2M
Other Current Liab(9M)(243M)(73M)(3M)(505M)(479.8M)
Net Tangible Assets13.6B13.7B14.3B13.3B15.3B14.5B
Long Term Debt Total14.2B8.5B6.9B7.4B6.6B8.2B
Capital Surpluse18.9B18.9B19.0B22.1B25.5B21.1B
Short Long Term Debt9M243M74M3M505M479.8M

Citizens Financial Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense1.6B771M339M1.0B4.0B4.2B
Total Revenue6.5B6.9B6.6B8.0B24.1M22.9M
Gross Profit6.5B6.9B6.6B8.0B8.2M7.8M
Operating Income2.3B1.3B3.0B3.7B8.2M7.8M
Ebit2.9B1.8B3.4B3.0B(469.8M)(446.3M)
Ebitda2.9B1.9B3.8B3.6B8.2M7.8M
Income Before Tax2.3B1.3B3.0B2.7B2.0B1.5B
Net Income1.8B843M2.3B2.1B1.6B1.1B
Income Tax Expense460M241M658M582M422M424.0M
Tax Provision460M241M658M582M422M488.5M
Net Interest Income4.6B4.6B4.5B6.0B6.2B5.1B
Interest Income6.2B5.4B4.9B7.1B10.2B6.4B

Citizens Financial Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(688M)9.3B(3.6B)1.4B1.1B567.8M
Free Cash Flow1.3B(7M)2.2B4.0B2.8B1.9B
Depreciation633M578M625M565M478M554.7M
Other Non Cash Items(307M)1.6B663M2.2B757M595.8M
Capital Expenditures366M118M124M126M172M237.0M
Net Income1.8B1.1B2.3B2.1B1.6B1.1B
End Period Cash Flow3.4B12.7B9.2B10.5B11.6B6.3B
Dividends Paid682M770M783M892M928M686.9M
Investments(3.5B)(6.0B)(8.8B)(11.4B)5.2B5.5B
Net Borrowings(2.9B)(5.7B)(1.5B)4.8B4.3B4.6B
Change To Netincome1.8B1.5B293M1.9B1.7B1.3B

Citizens Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Citizens Financial's current stock value. Our valuation model uses many indicators to compare Citizens Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Citizens Financial competition to find correlations between indicators driving Citizens Financial's intrinsic value. More Info.
Citizens Financial Group, is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.11  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Citizens Financial Group, is roughly  9.36 . At this time, Citizens Financial's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value Citizens Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Citizens Financial Group, Systematic Risk

Citizens Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Citizens Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twelve with a total number of output elements of fourty-nine. The Beta measures systematic risk based on how returns on Citizens Financial Group, correlated with the market. If Beta is less than 0 Citizens Financial generally moves in the opposite direction as compared to the market. If Citizens Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Citizens Financial Group, is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Citizens Financial is generally in the same direction as the market. If Beta > 1 Citizens Financial moves generally in the same direction as, but more than the movement of the benchmark.

Citizens Financial Thematic Clasifications

Citizens Financial Group, is part of Power Assets investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. High potential, large capitalization stocks theme. Large capitalization equities showing high long-term performance indicators and above average return expectations based on Macroaxis rating system
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Today, most investors in Citizens Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Citizens Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Citizens Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.39)

At this time, Citizens Financial's Price Earnings To Growth Ratio is most likely to slightly decrease in the upcoming years.

Citizens Financial November 26, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Citizens Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Citizens Financial Group,. We use our internally-developed statistical techniques to arrive at the intrinsic value of Citizens Financial Group, based on widely used predictive technical indicators. In general, we focus on analyzing Citizens Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Citizens Financial's daily price indicators and compare them against related drivers.

Complementary Tools for Citizens Stock analysis

When running Citizens Financial's price analysis, check to measure Citizens Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Financial is operating at the current time. Most of Citizens Financial's value examination focuses on studying past and present price action to predict the probability of Citizens Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Financial's price. Additionally, you may evaluate how the addition of Citizens Financial to your portfolios can decrease your overall portfolio volatility.
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