Citizens Financial Group (CFG) Financials

$70.78

$-0.05 (-0.07%)

As on 04-Sep-2026 16:15EDT

Market cap

$29,832 Mln

Revenue (TTM)

$11,466 Mln

P/E Ratio

15.2

P/B Ratio

1.2

Div. Yield

2.6 %

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Operating Revenue	11,466.00	11,148.00	12,347.00	12,187.00	9,069.00	6,986.00
Cost of Revenue	3,168.00	3,372.00	5,240.00	4,650.00	1,522.00	-72.00
Gross Profit	8,298.00	7,776.00	7,107.00	7,537.00	7,547.00	7,058.00
Operating Expenses	5,587.00	5,448.00	5,219.00	5,507.00	4,892.00	4,081.00
Operating Profit (EBIT)	2,711.00	2,328.00	1,888.00	2,030.00	2,655.00	2,977.00
Other Income	--	--	--	--	--	--
Profit before Tax	2,711.00	2,328.00	1,888.00	2,030.00	2,655.00	2,977.00
Provision for Tax	585.00	497.00	379.00	422.00	582.00	658.00
Profit after Tax (Net Income)	2,126.00	1,831.00	1,509.00	1,608.00	2,073.00	2,319.00
Minority Interest	--	--	--	--	--	--
Consolidated Profit	946.00	1,688.00	1,372.00	1,491.00	1,960.00	2,206.00

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Shareholder's Funds	26,183.00	26,317.00	24,254.00	24,342.00	23,690.00	23,420.00
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	206,494.00	16,663.00	16,503.00	19,775.00	22,316.00	10,554.00
Current Liabilities	1,159.00	183,371.00	176,764.00	177,847.00	180,727.00	154,435.00
Total Liabilities	234,995.00	226,351.00	217,521.00	221,964.00	226,733.00	188,409.00

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Non-Current Assets	221,076.00	35,019.00	172,645.00	179,116.00	190,690.00	151,968.00
Current Assets	12,760.00	191,332.00	44,876.00	42,848.00	36,043.00	36,441.00
Total Assets	246,596.00	226,351.00	217,521.00	221,964.00	226,733.00	188,409.00
Total Debt*	16,349.00	11,282.00	12,401.00	13,972.00	15,890.00	7,006.00
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Cash From Operating Activities	--	2,211.00	2,001.00	2,961.00	4,119.00	2,275.00
Cash Flow from Investing Activities	--	-5,967.00	2,987.00	5,248.00	-12,637.00	-10,486.00
Cash from Financing Activities	--	5,882.00	-6,015.00	-7,128.00	9,907.00	4,636.00
Net Cash Inflow / Outflow	--	--	--	--	1,389.00	-3,575.00

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Adjusted EPS ($)	4.93	4.20	3.39	3.43	4.18	5.43
Cash EPS ($)	--	5.30	4.51	4.46	5.32	6.90
Adjusted Book Value ($)	--	60.43	54.52	52.00	47.81	54.86
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	5.08	4.50	6.32	8.31	5.33
Free Cash Flow per Share ($)	--	4.68	4.22	5.96	8.06	5.04

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
ROCE (%)	--	4.93	4.03	4.13	5.92	7.50
ROE (%)	8.10	7.24	6.21	6.70	8.80	10.06
ROA (%)	0.84	0.83	0.69	0.72	1.00	1.25
EBIT Margin (%)	23.64	20.88	15.29	16.66	29.28	42.61
Net Margin (%)	18.54	16.42	12.22	13.19	22.86	33.19
Cash Profit Margin (%)	--	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Revenue Growth (%)	-4.47	-0.10	0.01	0.34	0.30	-0.09
EBIT Growth (%)	35.55	23.31	-7.00	-23.54	-10.82	129.35
Net Profit Growth (%)	33.54	21.34	-6.16	-22.43	-10.61	119.39
EPS Growth (%)	37.09	0.24	-0.01	-0.18	-0.23	1.20
Book Value Growth (%)	6.16	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Price / Earnings	15.20	13.89	12.90	9.65	9.41	8.70
Price / Book Value	1.19	0.97	0.80	0.64	0.82	0.86
Dividend Yield (%)	2.58	--	--	--	--	--
EV/EBITDA	--	-4.70	-5.02	-4.87	0.25	-2.14
Close Price ($)	70.07	58.41	43.76	33.14	39.37	47.25
High Price ($)	71.21	60.10	49.25	44.82	57.00	51.54
Low Price ($)	44.64	32.60	30.24	22.77	32.66	34.92
Market Cap ($ Cr)	29,831.95	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Debt to Equity	0.56	0.43	0.51	0.57	0.67	0.30
Short term debt to equity ratio	0.04	0.00	0.08	0.02	0.00	0.00
Current Ratio	11.01	1.04	0.25	0.24	0.20	0.24
Quick Ratio	11.01	--	--	0.32	--	0.30
Interest Coverage	1.74	0.61	0.41	0.51	2.53	8.78

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Debtors to sales (%)	--	1,273.30	8.32	9.42	16.05	22.04
Asset Turnover	0.05	0.05	0.06	0.05	0.04	0.04
Receivable days	--	2,342.18	32.17	39.02	60.33	91.70
Inventory Days	--	--	-986.66	-1,111.85	-2,395.00	59,665.11
Payable days	--	--	--	14,195.58	40,206.90	-764,805.60
Cash Conversion Cycle	--	--	--	-15,268.41	-42,541.57	824,562.41

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement ($ Mln)