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Citizens Financial Group logo
no logo available
General Information
Investor relations pageIR page no data available
Founding year no data available
Headquarter Providence, United States of AmericaProvidence, United States of Americano data available
Employees 17,600 (as per Q3 2016)no data available
Sector Banks, Financial ServicesBanks, Financial Servicesno data available
Ticker CFGno data available
Financial year endsFY ends End of Decemberno data available
Stock Information (historical prices adjusted for splits and dividends)
Adj. Closing prices (in USD) -Preferred Shares, OfStockAxis_us-gaap_SeriesAPreferredStockNov. 16Jan. 17März 17Mai 17Juli 17Sep. 172025303540
datesClosing price (adj.)
13.10.201736.98
11.10.201737.45
04.10.201736.57
27.09.201737.22
20.09.201735.79
13.09.201734.69
06.09.201732.77
30.08.201733.39
23.08.201733.50
16.08.201733.95
09.08.201735.03
02.08.201735.62
26.07.201734.99
19.07.201735.09
12.07.201736.33
05.07.201736.69
27.06.201734.66
20.06.201735.76
13.06.201736.69
06.06.201733.69
30.05.201734.08
23.05.201734.91
16.05.201736.89
09.05.201736.99
02.05.201736.65
25.04.201736.13
18.04.201733.40
11.04.201734.08
04.04.201734.59
28.03.201734.72
21.03.201734.06
14.03.201736.86
07.03.201737.63
28.02.201737.04
21.02.201737.71
14.02.201737.64
07.02.201736.27
31.01.201735.85
24.01.201735.84
17.01.201733.69
10.01.201735.82
03.01.201735.41
27.12.201636.00
19.12.201634.92
12.12.201634.57
05.12.201633.72
28.11.201631.38
21.11.201631.53
14.11.201630.49
07.11.201627.00
31.10.201626.01
24.10.201625.90
17.10.201624.16
no share price data source found
Share price data requested
Key Figures
Last Closing Price
as per , in USD
n/a
Market Capitalisation
in million USD
0n/a
Enterprise Value
in million USD
0n/a
Common Shares Outstanding
as per Sep 30, 2016
518,148,345n/a
Preferred Shares Outstanding
as per Sep 30, 2016
250,000n/a
Average Basic Shares Outstanding
TTM
525,956,219n/a
Average Diluted Shares Outstanding
TTM
527,890,376n/a
Index Membership
n/a
Business Summary
Citizens Financial Group Inc is a retail bank holding company. It provides retail and commercial banking products and services. Its business segments include Consumer Banking and Commercial Banking.
no data available
Key Financials & Ratios (all figures TTM as per Sep 30, 2016, million USD, full statements further below)
Profit & Loss
Revenues 5,124n/a
Gross Profit 0n/a
Operating Income 1,451n/a
EBITDA 1,959n/a
Net Profit 970n/a
Balance Sheet
Cash and Cash Equivalents 915n/a
Receivables 0n/a
Total Current Assets 0n/a
PP&E 0n/a
Total Assets 147,015n/a
Accounts Payable 0n/a
Current Debt 3,412n/a
Total Current Liabilities 0n/a
Long-Term Debt 11,902n/a
Total Liabilities 126,834n/a
Total Equity 20,181n/a
Cash Flow
Depreciation & Amortisation 508n/a
Change in Working Capital -560n/a
Operating Cash Flow 1,596n/a
Net Change in PP&E and Intangibles 6n/a
Investing Cash Flow -10,408n/a
Dividends Paid -239n/a
Financing Cash Flow 9,971n/a
Total Change in Cash 1,159n/a
Free Cash Flow 938n/a
Profitability Ratios
Gross Margin 0.0%n/a
Operating Margin 28.3%n/a
Net Profit Margin 19.2%n/a
Return on Equity 4.9%n/a
Return on Assets 0.7%n/a
Per Share Figures
Basic EPS 1.84n/a
Diluted EPS 1.84n/a
Sales per Share 9.74n/a
Book Value per Share 37.90n/a
FCF per Share 1.78n/a
Dividends per Share 0.45n/a
Price Multiples
Price to Earnings Ratio n/a
Price to Sales Ratio n/a
Price to Book Value n/a
Price to Free Cash Flow n/a
Valuation Metrics
EV/EBITDA n/a
EV/Sales n/a
Book to Market Value n/a
Other Ratios
Current Ratio 0.0%n/a
Liabilities to Equity Ratio 628.5%n/a
Debt to Assets Ratio 10.4%n/a
Profit & Loss StatementP&L data quality: 100% (?)
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in million USD FY '12FY '13FY '14FY '15
Net Revenue
4,894
4,690
4,979
4,824
Net interest income
3,227
3,058
3,301
3,402
Total Interest Income
3,846
3,501
3,664
3,854
Total Interest Expense
-619
-443
-363
-452
Total Non-Interest Income
1,667
1,632
1,678
1,422
Trading Account Profits/Losses
0
0
0
0
Investment Income (Loss)
95
144
28
29
Sale of Loan Income (Loss)
0
0
0
0
Commissions & Fees Earned
1,430
1,326
1,222
1,243
Net OTTI losses recognised in earnings
-24
-8
-10
-7
Other Non-Interest Income
166
170
438
157
Provision for Loan Losses
-413
-479
-319
-302
Net Revenue after Provisions
4,481
4,211
4,660
4,522
Total Non-Interest Expense
-3,457
-3,244
-3,392
-3,259
Commissions & Fees Paid
-339
-360
-420
-371
Other Operating Expense
-3,118
-2,884
-2,972
-2,888
Operating Income (Loss)
1,024
967
1,268
1,263
Non-Operating Income (Loss)
0
0
0
0
Income (Loss) from Affiliates
0
0
0
0
Other Non-Operating Income (Loss)
0
0
0
0
Pretax Income (Loss), Adjusted
1,024
967
1,268
1,263
Abnormal Gains (Losses)
0
-4,435
0
0
Debt Valuation Adjustment
0
0
0
0
Credit Valuation Adjustment
0
0
0
0
Merger / Acquisition Expense
0
0
0
0
Disposal of Assets
0
0
0
0
Early extinguishment of Debt
0
0
0
0
Asset Write-Down
0
0
0
0
Impairment of Goodwill & Intangibles
0
0
0
0
Sale of Business
0
0
0
0
Legal Settlement
0
0
0
0
Restructuring Charges
0
0
0
0
Other Abnormal Items
0
0
0
0
Pretax Income (Loss)
1,024
-3,468
1,268
1,263
Income Tax (Expense) Benefit, net
-381
42
-403
-423
Current Income Tax
0
0
0
0
Deferred Income Tax
0
0
0
0
Tax Allowance/Credit
0
0
0
0
Income (Loss) from Affiliates, net of taxes
0
0
0
0
Income (Loss) from Continuing Operations
643
-3,426
865
840
Net Extraordinary Gains (Losses)
0
0
0
0
Discontinued Operations
0
0
0
0
XO & Accounting Charges & Other
0
0
0
0
Income (Loss) Including Minority Interest
643
-3,426
865
840
Minority Interest
0
0
0
0
Net Income
643
-3,426
865
840
Preferred Dividends
0
0
0
-7
Other Adjustments
0
0
0
0
Net Income Available to Common Shareholders
643
-3,426
865
833
Remarks
restated on Mar 3, 2015 n/a
calculated values,
restated on Feb 26, 2016 n/a
calculated values,
restated on Feb 26, 2016 n/a
calculated values,
restated on Feb 26, 2016 n/a
calculated values,
Balance SheetBS data quality: 100% (?)
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in million USD FY '12FY '13FY '14FY '15
Assets
Cash & Cash Equivalents
n/a
1,406
1,171
1,099
Interbank assets
n/a
1,584
2,475
2,342
Fed Funds Sold & Repos
n/a
0
0
0
Other Interbank Assets
n/a
1,584
2,475
2,342
Short and Long Term Investments
n/a
24,534
27,141
26,629
Trading Securities
n/a
0
0
0
Investment Securities Available for Sale
n/a
15,995
18,656
17,884
Investment Securities Held to Maturity
n/a
4,315
5,148
5,258
Real Estate Investments
n/a
0
0
0
Other Investments
n/a
4,224
3,337
3,487
Net Receivables
n/a
0
0
0
Net Loans
n/a
84,638
92,215
97,826
Reserve for Loan Losses
n/a
-1,221
-1,195
-1,216
Total Loans
n/a
85,859
93,410
99,042
Total Commercial Loans
n/a
0
0
0
Commercial Real Estate Loans
n/a
0
0
0
Other Commercial Loans
n/a
0
0
0
Total Consumer Loans
n/a
0
0
0
Credit Card Loans
n/a
0
0
0
Home Equity Loans
n/a
0
0
0
Family Residential Loans
n/a
0
0
0
Auto Loans
n/a
0
0
0
Student Loans
n/a
0
0
0
Other Consumer Loans
n/a
0
0
0
Other Loans
n/a
0
0
0
Net Fixed Assets
n/a
592
595
595
Property, Plant & Equipment, Net
n/a
0
0
0
Operating Lease Assets
n/a
0
0
0
Other fixed assets
n/a
0
0
0
Intangible Assets
n/a
0
0
0
Goodwill
n/a
6,876
6,876
6,876
Other Intangible Assets
n/a
0
0
0
Investments in Associates
n/a
0
0
0
Deferred Tax Assets
n/a
0
0
0
Derivatives & Hedging
n/a
0
0
0
Discontinued Operations
n/a
0
0
0
Customer Acceptances & Liabilities
n/a
0
0
0
Other Assets
n/a
2,524
2,384
2,841
Total Assets
n/a
122,154
132,857
138,208
Liabilities and owners' equity
Total Deposits
n/a
86,903 86903000000
95,707 95707000000
102,539 102539000000
Demand Deposits
n/a
0 0
0 0
0 0
Interest Bearing Deposits
n/a
61,972 61972000000
69,621 69621000000
74,890 74890000000
Saving Deposits
n/a
0 0
0 0
0 0
Time Deposits
n/a
0 0
0 0
0 0
Other Deposits
n/a
24,931 24931000000
26,086 26086000000
27,649 27649000000
Short Term Borrowings & Repos
n/a
7,042 7042000000
10,529 10529000000
3,432 3432000000
Securities Sold Under Repo
n/a
4,791 4791000000
4,276 4276000000
802 802000000
Trading Account Liabilities
n/a
0 0
0 0
0 0
Short Term Capital Leases
n/a
0 0
0 0
0 0
Current Portion of Long Term Debt
n/a
0 0
0 0
0 0
Short Term Borrowings
n/a
2,251 2251000000
6,253 6253000000
2,630 2630000000
Payables Broker Dealers
n/a
0 0
0 0
0 0
Long Term Debt
n/a
1,405 1405000000
4,642 4642000000
9,886 9886000000
Long Term Capital Leases
n/a
0 0
0 0
0 0
Long Term Borrowings
n/a
0 0
0 0
0 0
Pension Liabilities
n/a
0 0
0 0
0 0
Pensions
n/a
0 0
0 0
0 0
Other Post-Retirement Benefits
n/a
0 0
0 0
0 0
Deferred Tax Liabilities
n/a
0 0
0 0
0 0
Derivatives & Hedging
n/a
939 939000000
612 612000000
485 485000000
Discontinued Operations
n/a
0 0
0 0
0 0
Other Liabilities
n/a
6,669 6669000000
2,099 2099000000
2,220 2220000000
Total Liabilities
n/a
102,958 102958000000
113,589 113589000000
118,562 118562000000
Preferred Equity
n/a
0 0
0 0
247 247000000
Share Capital & Additional Paid-In Capital
n/a
18,609 18609000000
18,682 18682000000
18,731 18731000000
Common Stock
n/a
6 6000000
6 6000000
6 6000000
Additional Paid in Capital
n/a
18,603 18603000000
18,676 18676000000
18,725 18725000000
Other Share Capital
n/a
0 0
0 0
0 0
Treasury Stock
n/a
0 0
-336 -336000000
-858 -858000000
Retained Earnings
n/a
1,235 1235000000
1,294 1294000000
1,913 1913000000
Other Equity
n/a
-648 -648000000
-372 -372000000
-387 -387000000
Equity Before Minority Interest
n/a
19,196 19196000000
19,268 19268000000
19,646 19646000000
Minority Interest
n/a
0 0
0 0
0 0
Total Equity
n/a
19,196 19196000000
19,268 19268000000
19,646 19646000000
Total Liabilities & Equity
n/a
122,154 122154000000
132,857 132857000000
138,208 138208000000
Remarks restated on n/a restated on Mar 3, 2015 n/a restated on Feb 26, 2016 n/a restated on Nov 4, 2016 n/a
Cash Flow StatementCF data quality: 93% (?)
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in million USD FY '12FY '13FY '14FY '15
Net Income/Starting Line
643
-3,426
865
840
Net Income
0
0
0
0
Net Income From Discontinued Operations
0
0
0
0
Other Adjustments
0
0
0
0
Depreciation & Amortization
467
404
386
471
Provision for Loan Losses
413
479
319
302
Non-Cash Items
260
4,763
162
244
Gain on Sale of Securities & Loans
0
0
0
0
Deferred Income Taxes
0
0
0
0
Stock-Based Compensation
0
0
0
0
Other Non-Cash Adjustments
0
0
0
0
Net Change in Operating Capital
-69
429
-342
-628
Trading Assets & Liabilities
0
0
0
0
Net Change of Investments
0
0
0
0
Net Change of Interbank Assets
0
0
0
0
Net Change of Interbank Liabilities
0
0
0
0
Net Change in Operating Loans
0
0
0
0
Accrued Interest Receivable
0
0
0
0
Accrued Interest Payable
0
0
0
0
Other Operating Assets/Liabilities
0
0
0
0
Net Cash From Discontinued Operations (operating)
0
0
0
0
Cash from Operating Activities
1,714
2,649
1,390
1,229
Change in Fixed Assets & Intangibles
6
25
3
15
Disposal of Fixed Assets & Intangibles
0
0
0
0
Capital Expenditures
0
0
0
0
Net Change in Investments
3,884
-2,882
-2,882
300
Decrease in Investments
0
0
0
0
Decrease in HTM Investments
0
0
0
0
Decrease in AFS Investments
0
0
0
0
Increase in Investments
0
0
0
0
Increase in HTM Investments
0
0
0
0
Increase in AFS Investments
0
0
0
0
Net Change in Other Investments
0
0
0
0
Net Change in Loans & Interbank
-2,469
612
-7,225
-6,042
Net Change in Customer Loans
0
0
0
0
Net Change in Interbank Assets
0
0
0
0
Net Change in Other Loans
0
0
0
0
Net Cash From Acquisitions & Divestitures
0
0
0
0
Net Cash from Divestitures
0
0
0
0
Cash for Acqusition of Subsidiaries
0
0
0
0
Cash for Joint Ventures
0
0
0
0
Net Cash from Other Acquisitions
0
0
0
0
Other Investing Activities
-502
-208
-170
-178
Net Cash From Discontinued Operations (investing)
0
0
0
0
Cash from Investing Activities
919
-2,453
-10,274
-5,905
Dividends Paid
-150
-1,185
-806
-221
Cash From (Repayment of) Debt
-5,698
3,651
6,730
-1,626
Cash From (Repayment of) Short Term Debt, net
0
0
0
0
Net Change in Interbank Transfers
0
0
0
0
Cash From (Repayment of) Long Term Debt, net
0
0
0
0
Repayments of Long Term Debt
0
0
0
0
Cash From Long Term Debt
0
0
0
0
Cash From (Repurchase of) Equity
0
0
-334
-500
Increase in Capital Stock
0
0
0
0
Decrease in Capital Stock
0
0
0
0
Net Change In Deposits
2,584
-2,968
3,813
6,832
Other Financing Activities
0
0
0
0
Net Cash From Discontinued Operations (financing)
0
0
0
0
Cash from Financing Activities
-3,264
-502
9,403
4,485
Net Cash Before Disc. Operations and FX
-631
-306
519
-191
Change in Cash from Disc. Operations and Other
0
0
0
0
Net Cash Before FX
-631
-306
519
-191
Effect of Foreign Exchange Rates
0
0
0
0
Net Changes in Cash
-631
-306
519
-191
Remarks
restated on Mar 3, 2015 n/a
calculated values,
restated on Feb 26, 2016 n/a
calculated values,
restated on Feb 26, 2016 n/a
calculated values,
restated on Feb 26, 2016 n/a
calculated values,
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