Citizens Financial Group, Inc. CFG | NYSE

$43.45 $1.00 | 2.36%

After Hours
$43.35 -$0.1 | -0.23%

Next Earnings: Jan 17, 2025

Company Overview:

Market Cap: $19.15B
PE Ratio: 17.04
52-Week Range: $30.24 - $49.25
Dividend Yield (FWD): 3.87% ($1.68)

10 Year Performance Metrics:

Total Return (with DRIP): 144.46% (9.35% / yr)
Total Return (no DRIP): 120.68% (8.24% / yr)
Share Price: 73.11%
Dividend Increase: 320.00%
CFG 10-yr Total Return ($10,000 investment)
1Y 2Y 5Y 10Y All

CFG Dividend Payments, Yield & Share Price charts

Dividend Payments & Yield
CFG Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 3.13%10Y: 15.43%
Share Price
CFG Price CAGR:1Y: 34.19%2Y: 6.86%5Y: 1.40%10Y: 5.68%

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CFG Dividend Safety: Payout & Dividend to Free Cash Flow Ratios.

Dividend payout ration is Dividend/EPS, and indicates if company can afford to pay dividends from net income that it earned in the quarter.

Since EPS can be played with using different "accounting gymnastics", a better measure of dividends safety is Dividend to Free Cash Flow (FCF) ratio.

FCF is how much cash the company has earned each quarter, after paying all expenses not related to earnings.

Lower Ratio indicates SAFER Dividend! Ratios consistently close to, or over 100% are usually unsustainable and often indicate a dividend cut might be coming soon.

Dividend Payout Ratio - CFG
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Dividend to Free Cash Flow Ratio - CFG
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CFG Earnings, Revenue, Cash & Debt, Shares Outstaning:

CFG - EPS vs PE Ratio
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CFG - FCF vs FCF / Share
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CFG - EPS vs FCF / Share
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CFG - FCF vs Stock Based Comp
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CFG - Revenue vs Net Income
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CFG - Cash & Debt
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CFG - Revenue
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CFG Revenue CAGR:1Y: -5.51%2Y: -6.50%5Y: 3.04%10Y: 5.07%
CFG - Earnings Per Share (EPS)
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CFG EPS CAGR:1Y: -10.59%2Y: -21.39%5Y: -4.76%10Y: 8.38%
CFG - Net Income
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CFG Net Income CAGR:1Y: -11.16%2Y: -20.93%5Y: -1.64%10Y: 7.29%
CFG - EBITDA
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CFG EBITDA CAGR:1Y: 15.12%2Y: -27.82%5Y: -10.85%10Y: 2.70%
CFG - Free Cash Flow
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CFG Free Cash Flow CAGR:1Y: -90.15%2Y: -81.85%5Y: -20.59%10Y: -3.13%
CFG - Free Cash Flow / Share
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CFG Free Cash Flow / Share CAGR:1Y: -89.65%2Y: -80.88%5Y: -20.62%10Y: -0.92%
CFG - Gross Profit
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CFG Gross Profit CAGR:1Y: -4.64%2Y: -6.27%5Y: 2.97%10Y: 5.03%
CFG - Expenses
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CFG Expenses CAGR:1Y: 3.03%2Y: -36.75%5Y: -17.51%10Y: -3.19%
CFG - Shares Outstanding
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CFG Shares Outstanding CAGR:1Y: -4.51%2Y: -4.90%5Y: 0.12%10Y: -2.17%
CFG - Share Buybacks
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CFG Share Buybacks CAGR:1Y: 157.20%2Y: N/A5Y: 4.56%10Y: N/A
CFG - Stock-Based Comp
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CFG Stock-Based Comp CAGR:1Y: 55.56%2Y: 32.29%5Y: 18.47%10Y: -13.47%
CFG - Dividends
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CFG Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 3.13%10Y: 15.43%
CFG - Revenue by Segment
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CFG Revenue CAGR:1Y: -5.51%2Y: -6.50%5Y: 3.04%10Y: 5.07%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

CFG - REVENUE: Actual + Estimates
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CFG Actual Revenue CAGR:1Y: -5.51%2Y: -6.50%5Y: 3.04%10Y: 5.07%
CFG - EPS: Actual + Estimates
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CFG Actual EPS CAGR:1Y: -10.59%2Y: -21.39%5Y: -4.76%10Y: 8.38%
CFG - NET INCOME: Actual + Estimates
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CFG Actual Net Income CAGR:1Y: -11.16%2Y: -20.93%5Y: -1.64%10Y: 7.29%
CFG - EBITDA: Actual + Estimates
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CFG Actual EBITDA CAGR:1Y: 15.12%2Y: -27.82%5Y: -10.85%10Y: 2.70%

Ratios, Profit Margins & Return on Capital:

CFG - Net Profit Margin
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CFG Net Profit Margin CAGR:1Y: -6.00%2Y: -15.44%5Y: -6.04%10Y: 2.11%
CFG - Gross Profit Margin
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CFG Gross Profit Margin CAGR:1Y: 0.91%2Y: 0.25%5Y: -0.07%10Y: -0.04%
CFG - Price to Earnings
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CFG - Price To Sales Ratio
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CFG - Return on Capital Employed
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CFG - Return on Invested Capital
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CFG Dividends Info:

Annual Dividend: $1.68
Forward Yield: 3.87%
Ex-Dividend Date: 2024-10-30
Lifetime Dividens / Share: $12.04

CFG Dividend History: Dates, Payments & Yield list

Below is a schedule of all CFG dividend payments, ex-dates, share price on the day of the payment as well as TTM & forward yield

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
10/30/202411/13/2024$0.4203.93%3.93%$42.70
07/31/202408/14/2024$0.4203.94%3.94%$42.67
04/30/202405/15/2024$0.4204.93%4.93%$34.11
01/30/202402/14/2024$0.4204.9%4.9%$34.31
10/31/202311/15/2023$0.4207.17%7.17%$23.43
08/01/202308/16/2023$0.4205.4%5.4%$31.10
05/02/202305/17/2023$0.4206.24%6.24%$26.93
01/30/202302/14/2023$0.4203.9%3.97%$42.29
11/01/202210/06/2022$0.4204.01%4.15%$40.44
08/01/202208/16/2022$0.4204.23%4.47%$37.58
05/02/202205/17/2022$0.3903.96%3.96%$39.40
01/28/202202/11/2022$0.3903.02%3.02%$51.70
10/28/202111/12/2021$0.3903.26%3.26%$47.90
07/29/202108/13/2021$0.3903.64%3.64%$42.85
04/28/202105/13/2021$0.3903.38%3.38%$46.18
02/02/202102/17/2021$0.3904.1%4.1%$38.01
10/27/202011/12/2020$0.3905.85%5.85%$26.66
07/28/202008/12/2020$0.3906.33%6.45%$24.18
04/28/202005/13/2020$0.3906.73%7%$22.29
01/28/202002/12/2020$0.3903.76%4.1%$38.01
10/29/201911/13/2019$0.3603.81%4.03%$35.73
07/30/201908/14/2019$0.3603.37%3.83%$37.64
04/30/201905/15/2019$0.3203.26%3.54%$36.20
01/30/201902/14/2019$0.3203.12%3.7%$34.57
10/30/201811/14/2018$0.2702.7%2.97%$36.33
07/31/201808/15/2018$0.2702.24%2.71%$39.78
05/01/201805/16/2018$0.2201.95%2.15%$40.95
01/31/201802/15/2018$0.2201.57%1.92%$45.90
10/31/201711/15/2017$0.1801.68%1.89%$38.01
07/31/201708/16/2017$0.1801.65%2.05%$35.08
05/01/201705/17/2017$0.1401.4%1.51%$37.13
01/31/201702/16/2017$0.1401.38%1.55%$36.17
10/31/201611/16/2016$0.1201.75%1.82%$26.34
08/01/201608/17/2016$0.1201.98%2.16%$22.20
05/02/201605/18/2016$0.1201.82%2.08%$23.06
02/02/201602/18/2016$0.1001.98%1.98%$20.21
11/03/201511/19/2015$0.1001.64%1.64%$24.42
07/30/201508/17/2015$0.1001.51%1.51%$26.49
05/01/201505/19/2015$0.1001.15%1.54%$25.98
02/03/201502/19/2015$0.1000.82%1.65%$24.29
11/04/201411/20/2014$0.1000.42%1.69%$23.60

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Projected Future Returns & Dividends for CFG

Based on past 10-year performance, here are CFG growth metrics:

Share price CAGR of +5.64%
Dividend CAGR of +15.43%
Using CFG CAGR metrics, we can estimate, that your initial $10000 investment, over next 10 years ago, should grow with dividends being reinvested (DRIP) as follows:

CFG
Current Price$43.45
Start Shares230.15
Start Value$10,000
 
After 10 years:
Final Share Count415.33
Dividends Payment$1.76
Annual Dividends$2,931
Yield on cost29.31%
Share Price$71.20
Total Dividends$11,113
Final Value$29,571

Estimated Future Value + Dividends - CFG

NOTE: Above numbers are our estimate based on CFG's Dividend and Price CAGR over past 10 years. These numebrs should only be considered as "potential future returns"! These numbers assume DRIP (reinvesting dividends).

We cannot guarantee that your actual returns will meet these estimates.

Company Info

Citizens Financial Group, Inc. (CFG) had its IPO on 2014-09-24, and is trader on NYSE stock exchange.

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. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, 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. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. 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.

CFG website: https://www.citizensbank.com


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