NYSE: CFG
Citizens Financial Group, Inc.
Financial Services · Banks - Regional
Market Cap
$28.47B
52w High
$68.79
52w Low
$41.37
P/E
14.65
Volume
865.98K
Outstanding Shares
422.88M
Price vs Fundamentals
Why The Stock Is Moving
What changed
The stock rose 62.63% over the last year. Revenue declined 6.94% over the trailing twelve months. Operating margin moved from 15.89% to 22.26%. Free cash flow grew 125.72% over the trailing twelve months.
What the market seems to be pricing
The stock move broadly lines up with stronger business momentum, and the shares are still only around the 58th percentile of their historical P/FCF range.
What would invalidate this read
Operating margin is at 22.26%. Revenue declined 6.94% — this thesis depends on that trajectory holding. If revenue growth, margins, or free cash flow roll over while the stock keeps climbing, more of the move would be coming from multiple expansion than business progress.
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
31
Buy
6
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
Jul 16, 2026
Q3 FY26 · EPS est $1.26 · Revenue est $2.25B
View
Dividends
$1.80/shareQuarterlyDividend Achiever · 10yrCFG pays a dividend with a 2.67% dividend yield, 10 consecutive years of growth.
Dividend Yield
2.67%
Annual Div / Share
$1.80
5yr CAGR
+2.9%
Payout Ratio
45.77%
Bank — specialized metrics apply
Dividend Growth Rate
3yr CAGR
+2.33%
5yr CAGR
+2.9%
10yr CAGR
+15.67%
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 |
|---|---|---|
$27/yr $2/mo | $27/yr $2/mo | $27/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 10 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.