NYSE: CFG
Citizens Financial Group, Inc.
Financial Services · Banks - Regional
Pre-market: $74.75(+0.03%) · as of 7:31 AM ET
Market Cap
$31.60B
52w High
$74.86
52w Low
$47.96
P/E
15.00
Volume
1.31M
Outstanding Shares
422.88M
Performance
Return analysis
Price vs Fundamentals
Why The Stock Is Moving
What changed
The stock rose 51.86% over the last year. Revenue declined 4.47% over the trailing twelve months. Operating margin moved from 16.66% to 23.64%. Free cash flow grew 103.37% over the trailing twelve months.
What the market seems to be pricing
The stock is trading toward the richer end of its historical P/FCF range (69th percentile) while business metrics are improving. More of the upside is already embedded in the multiple now.
What would invalidate this read
Operating margin is at 23.64% — continued expansion would be needed to justify the premium. This read changes if revenue, margins, and cash flow continue to improve faster than expected — in that case the richer multiple could still prove conservative.
Company profile
Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive suite of retail and commercial banking solutions across the United States.
Valuation
Stock splits
No stock splits recorded for this ticker.
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Analyst consensus
30
Buy
7
Hold
1
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Oct 16, 2026
Q4 FY26 · EPS est $1.40 · Revenue est $2.34B
View
Dividends
$1.84/shareQuarterlyDividend Achiever · 11yrCFG pays a dividend with a 2.46% dividend yield, 11 consecutive years of growth.
Dividend Yield
2.46%
Annual Div / Share
$1.84
5yr CAGR
+3.36%
Payout Ratio
43.13%
Bank — specialized metrics apply
Dividend Growth Rate
3yr CAGR
+3.08%
5yr CAGR
+3.36%
10yr CAGR
+15.38%
Dividend History
Annualized dividend cycles per share
Income Projection
Today
$2/mo
In 5 yrs
$2/mo
In 10 yrs
$2/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$25/yr $2/mo | $25/yr $2/mo | $25/yr $2/mo |
5yr and 10yr income use the current dividend with no growth assumption because bank payout growth depends on earnings cycles, regulation, and capital policy.
Analysis
Dividend Strengths
Dividend Achiever
CFG has raised its dividend for 11 consecutive years — qualifying as a Dividend Achiever, demonstrating long-term commitment to shareholder income.
Risks to Watch
No strong risk signal stands out from the latest period pair.