Financial Services
Live Price
Offline$25.86
-0.35% today
Window Change
-0.19%
Window
Jun 23, 2025 → May 5, 2026
Coverage: 219 bars · Jun 23, 2025 → May 5, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Citizens Financial Group, Inc. (CFG-PH) is a Financial Services stock with a market cap of $12.13B. The stock last traded around $25.86 and down 0.2% across the available one-year price window (Jun 23, 2025 → May 5, 2026). Baseline metrics include revenue growth of -9.7%, EPS growth of +28.3%, a dividend yield of 2.8%. What stands out right now is revenue -9.7%, EPS +28.3%, free cash flow +8.4% with operating margin 22.3% and ROIC 0.9%. The dividend matters to the case here, with a current yield around 2.8%. Valuation is more restrained than many high-expectation growth names at P/E 13.9 and price/sales 2.4. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines CFG-PH price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
CFG-PH
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Normalized return
SPY
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S&P 500
Excess Return
—
Relative to SPY
CFG-PH Max Drawdown
-6.69%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for CFG-PH and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$7.0B
-23.0% YoY
FY Net Income
$2.3B
+11.9% YoY
Free Cash Flow
$2.2B
-46.1% YoY
Revenue Growth
-9.7%
EPS Growth
+28.3%
Gross Margin
71.1%
Net Margin
17.5%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 11.1B | 12.3B | 12.2B | 9.1B | 7.0B |
| Gross Profit | 7.8B | 7.1B | 7.5B | 7.5B | 7.1B |
| Operating Income | 2.3B | 1.9B | 2.0B | 2.7B | 3.0B |
| EBITDA | 2.7B | 2.4B | 2.5B | 3.2B | 3.6B |
| Net Income | 1.8B | 1.5B | 1.6B | 2.1B | 2.3B |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 12.7B | 11.2B | 12.0B | 10.8B | 9.5B |
| Total Assets | 226.4B | 217.5B | 222.0B | 226.7B | 188.4B |
| Total Liabilities | 200.0B | 193.3B | 197.6B | 203.0B | 165.0B |
| Shareholder Equity | 26.3B | 24.3B | 24.3B | 23.7B | 23.4B |
| Total Debt | 11.3B | 12.4B | 14.0B | 15.9B | 7.0B |
| Net Debt | -1.4B | 1.2B | 1.9B | 5.0B | -2.5B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
2.3B
-44.8% YoY
Capital Expenditures
124M
+1.6% YoY
Free Cash Flow
2.2B
-46.1% YoY
Key ratios
Gross Margin
71.1%
Operating Margin
22.3%
Net Margin
17.5%
ROE
7.6%
Debt / Equity
0.47x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.