Citizens Financial Group ... (CFG)
Citizens Financial Statistics
Share Statistics
Citizens Financial has 437.13M shares outstanding. The number of shares has increased by -3.93% in one year.
| Shares Outstanding | 437.13M |
| Shares Change (YoY) | -3.93% |
| Shares Change (QoQ) | -0.81% |
| Owned by Institutions (%) | 91.76% |
| Shares Floating | 433.16M |
| Failed to Deliver (FTD) Shares | 2.27K |
| FTD / Avg. Volume | 0.04% |
Short Selling Information
The latest short interest is 13.24M, so 3.03% of the outstanding shares have been sold short.
| Short Interest | 13.24M |
| Short % of Shares Out | 3.03% |
| Short % of Float | 3.98% |
| Short Ratio (days to cover) | 1.88 |
Valuation Ratios
The PE ratio is 13.07 and the forward PE ratio is 7.43. Citizens Financial's PEG ratio is -4.1.
| PE Ratio | 13.07 |
| Forward PE | 7.43 |
| PS Ratio | 2.53 |
| Forward PS | 1.7 |
| PB Ratio | 0.81 |
| P/FCF Ratio | 10.5 |
| PEG Ratio | -4.1 |
Enterprise Valuation
Citizens Financial has an Enterprise Value (EV) of 32.12B.
| EV / Sales | 4.12 |
| EV / EBITDA | 17.55 |
| EV / EBIT | 16.05 |
| EV / FCF | 17.1 |
Financial Position
The company has a current ratio of 0.16, with a Debt / Equity ratio of 0.51.
| Current Ratio | 0.16 |
| Quick Ratio | 0.16 |
| Debt / Equity | 0.51 |
| Debt / EBITDA | 6.78 |
| Debt / FCF | 6.6 |
| Interest Coverage | 0.4 |
Financial Efficiency
Return on Equity is 6.22% and Return on Invested Capital is -2.48%.
| Return on Equity | 6.22% |
| Return on Assets | 0.69% |
| Return on Invested Capital | -2.48% |
| Revenue Per Employee | $450.13K |
| Profits Per Employee | $87.15K |
| Employee Count | 17,315 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 379M |
| Effective Tax Rate | 20.07% |
Stock Price Statistics
The stock price has increased by 6.37% in the last 52 weeks. The beta is 1.1, so Citizens Financial's price volatility has been higher than the market average.
| Beta | 1.1 |
| 52-Week Price Change | 6.37% |
| 50-Day Moving Average | 39.98 |
| 200-Day Moving Average | 42.65 |
| Relative Strength Index (RSI) | 46.34 |
| Average Volume (20 Days) | 5.08M |
Income Statement
In the last 12 months, Citizens Financial had revenue of 7.79B and earned 1.51B in profits. Earnings per share was 3.04.
| Revenue | 7.79B |
| Gross Profit | 7.79B |
| Operating Income | 1.83B |
| Net Income | 1.51B |
| EBITDA | 1.83B |
| EBIT | 1.83B |
| Earnings Per Share (EPS) | 3.04 |
Balance Sheet
The company has 0 in cash and 12.4B in debt, giving a net cash position of -12.4B.
| Cash & Cash Equivalents | 0 |
| Total Debt | 12.4B |
| Net Cash | -12.4B |
| Retained Earnings | 10.41B |
| Total Assets | 217.52B |
| Working Capital | 31.65B |
Cash Flow
In the last 12 months, operating cash flow was 2B and capital expenditures -122M, giving a free cash flow of 1.88B.
| Operating Cash Flow | 2B |
| Capital Expenditures | -122M |
| Free Cash Flow | 1.88B |
| FCF Per Share | 4.17 |
Margins
Gross margin is 100%, with operating and profit margins of 23.48% and 19.36%.
| Gross Margin | 100% |
| Operating Margin | 23.48% |
| Pretax Margin | 24.22% |
| Profit Margin | 19.36% |
| EBITDA Margin | 23.48% |
| EBIT Margin | 23.48% |
| FCF Margin | 24.11% |
Dividends & Yields
CFG pays an annual dividend of $2.1, which amounts to a dividend yield of 4.47%.
| Dividend Per Share | $2.10 |
| Dividend Yield | 4.47% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 66.67% |
| Earnings Yield | 7.65% |
| FCF Yield | 9.53% |
Analyst Forecast
The average price target for CFG is $47, which is 27.3% higher than the current price. The consensus rating is "Buy".
| Price Target | $47 |
| Price Target Difference | 27.3% |
| Analyst Consensus | Buy |
| Analyst Count | 16 |
Scores
| Altman Z-Score | 0.36 |
| Piotroski F-Score | 8 |