Citizens Financial Group (CFG) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Citizens Financial Group

NYSE•Financial Services•Banks - Regional

$66.79-0.60(-0.01%)Market open

Market Cap

$28.24B

P/E

13.3x

P/S

3.2x

P/B

1.1x

Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and education and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

How this company scores

GoodMetricSide Score: 74/100

Strongest: Growth (23/25); weakest: Balance Sheet & Red Flags (9/25).

Profitability21/25

Growth23/25

Balance Sheet & Red Flags9/25

Cash & Earnings Quality21/25

Strengths

Rising free cash flowStrong marginsRising earningsProfit converts from growth

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.3x5y range 5.5x – 14.1x

Currently above its 20-quarter median.

P/S · 3.2x5y range 1.4x – 3.2x

Currently above its 20-quarter median.

P/B · 1.1x5y range 0.5x – 1.1x

Currently above its 20-quarter median.

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Cash Burn

Watch

FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.

Price & Volume

Market Cap $28.24B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $8.73B
Q. Revenue: $2.28B
TTM EBITDA: $2.71B
TTM Op. Income: $2.71B
Q. Op. Income: $755.00M
TTM Net Income: $2.13B
Q. Net Income: $587.00M
EPS: $1.31
Shares Out.: $422.87M

$8.73B in TTM revenue grew 11.0% YoY, reaching $2.28B last quarter. TTM EBITDA of $2.71B and TTM operating income of $2.71B show growth is flowing through to the bottom line. TTM net income of $2.13B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 5 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 33.1%
Op. Margin: 33.1%
Net Margin: 25.7%

Op. margin of 33.1% is up 5.9% YoY — cost efficiency is improving. Net margin at 25.7% Over the past year, operating margin is up 22% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.3x
P/S Ratio: 3.2x
P/B Ratio: 1.1x

At 13.3x P/E, the stock trades below typical market levels. P/S of 3.2x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 9% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $233.84B
Cash: $1.22B
Long-Term Debt: $15.19B
Book Value: $26.18B
D/E Ratio: 0.6
Debt/EBITDA: 20.1

With $233.84B in assets and $15.19B in long-term debt, D/E is 0.6and book value is $26.18B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has risen for 3 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $726.00M
TTM Free Cash Flow: $2.50B
FCF Margin: 28.7%
FCF / Net Income: 1.2

TTM FCF of $2.50B on $726.00M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 94% — a weakening trend.