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Earnings transcript
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CFG
Citizens Financial Group, Inc.
$64.73
0.92
(1.44%)
| Exchange: | NYSE |
| Market Cap: | 27.134B |
| Shares Outstanding: | 559.998M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Banks – RegionalView industry performance | |||||
| CEO: | Bruce Winfield Van Saun | |||||
| Full Time Employees: | 17609 | |||||
| Address: |
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| Website: | https://www.citizensbank.com |
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. It serves a broad spectrum of clients, from individual consumers and small enterprises to large corporations and various institutions. Its business is segmented into two primary divisions: Consumer Banking and Commercial Banking. The Consumer Banking division delivers a robust array of products, encompassing deposit accounts, mortgage and home equity lending, credit cards, and business loans for smaller entities. It also provides wealth management, investment services, and specialized financing for areas like auto, education, and point-of-sale purchases, alongside digital deposit solutions. Clients engage with this segment through contact centers and its advanced online and mobile banking platforms. Conversely, the Commercial Banking segment provides sophisticated financial solutions designed for corporate and institutional clients. These include a wide range of lending and leasing products, treasury and deposit management services, foreign exchange, and risk mitigation tools for interest rates and commodities. Additionally, it offers syndicated loans, corporate finance advice, merger and acquisition (M&A) assistance, and capital markets services for debt and equity. Its client roster spans numerous industries, such as government, non-profit, healthcare, technology, professional services, energy (oil and gas), asset and franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance. The company boasts a substantial physical presence, operating approximately 1,200 branches across 14 states and the District of Columbia. Complementing these are 114 non-branch retail and commercial offices in key national markets and a network of roughly 3,300 automated teller machines. Founded in 1828, Citizens Financial Group, Inc. is headquartered in Providence, Rhode Island. It adopted its current name in April 2014, having previously operated as RBS Citizens Financial Group, Inc.
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Revenue Segmentation
Revenue by type
CFG full analysis
Welcome back to MarketSnap. Here's a puzzle for you. Citizens Financial Group is up more than 20% over the past year — and down more than 11% in just the last month. Same bank. Same balance sheet. Two very different stories. So which one is right? Is the market quietly re-rating a regional bank that has genuinely fixed itself — or is that recent slide a warning that the improvement is already baked into the price, and then some? That's…
Industry Peers
| TICKER | COMPANY | MKT CAP | P/E | FWD P/E | ROIC |
|---|---|---|---|---|---|
| CFG | Citizens Financial Group, Inc. | 27.1B | 12.8 | 12.2 | 4.6% |
 BBDO | Banco Bradesco S.A. | 27.4B | 5.2 | — | 1.0% |
 CFG-PH | Citizens Financial Group, Inc. | 26.7B | 12.8 | 4.6 | 4.6% |
 FCNCA | First Citizens BancShares, Inc. | 26.3B | 12.1 | 11.6 | 4.4% |
 BBD | Banco Bradesco S.A. | 28.2B | 5.2 | 5.5 | 1.0% |
 RF | Regions Financial Corporation | 24.6B | 11.1 | 10.7 | 6.8% |
EPS
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Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 12,187,000 | 12,347,000 | 11,148,000 |
| Gross Profit | 7,537,000 | 7,107,000 | 7,776,000 |
| EBITDA | 2,508,000 | 2,386,000 | 2,806,000 |
| Operating Income | 2,030,000 | 1,888,000 | 2,328,000 |
| Net Income | 1,608,000 | 1,509,000 | 1,831,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 221,964,000 | 217,521,000 | 226,351,000 |
| Total Liabilities | 197,622,000 | 193,267,000 | 200,034,000 |
| Total Stockholders Equity | 24,342,000 | 24,254,000 | 26,317,000 |
| Total Debt | 13,972,000 | 12,401,000 | 11,282,000 |
| Cash and Cash Equivalents | 12,033,000 | 11,236,000 | 12,727,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 2,961,000 | 2,001,000 | 0 |
| Capital Expenditure | -172,000 | -122,000 | 0 |
| Free Cash Flow | 2,789,000 | 1,879,000 | 0 |
| Net Income | 1,608,000 | 1,509,000 | 1,831,000 |
| Net Change in Cash | 1,081,000 | -1,027,000 | 2,126,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2029 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 7,173,751.453 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 7,282,866.755 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 7,235,021.651 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 3,411,205.512 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 3,473,435.518 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 3,446,146.991 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 2,472,091.809 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 2,521,099.828 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 2,499,609.285 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 2,012,121.808 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 2,042,726.894 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 2,029,307.113 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 5.740 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 5.790 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 5.680 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 4 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 9 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Financial Performance: CFG reported strong Q3 2025 results in the latest earnings call, with key financial metrics such as revenue and net income showing positive trends. This performance reflects effective operational execution and positions CFG favorably within the financial sector.
- Solid Free Cash Flow: Analysis of cash flow statements indicates consistent free cash flow generation, supported by strong operating cash flow figures. This provides CFG with financial flexibility for reinvestment or debt management.
- Strategic Execution: The Q3 2025 earnings call summary highlights successful strategic initiatives, contributing to growth and operational efficiency. This demonstrates management's ability to adapt and drive value in a competitive industry.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates CFG intrinsic value between $28.41 – $51.31 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about CFG valuation
Is Citizens Financial Group, Inc. (CFG) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for Citizens Financial Group, Inc. (CFG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is CFG a buy, hold, or sell for long-term investors?
MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CFG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is CFG’s P/E ratio?
You can see CFG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for CFG?
MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is CFG a good long-term investment?
Whether CFG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
CFG
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Daily snapshot
1.44
Trading Metrics:
| Open: | 64.47 | Previous Close: | 63.81 | |
| Day Low: | 63.91 | Day High: | 65.08 | |
| Year Low: | 49 | Year High: | 75.33 | |
| Price Avg 50: | 66.44 | Price Avg 200: | 65.59 | |
| Volume: | 834489 | Average Volume: | 4.21M |
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