Stocks · Financial Services · Banks - Regional
Citizens Financial Group, Inc. CFG
$64.31 -0.03% Close, Oct 5, 2026 · NYSE · Market cap $27.20B
Next earnings report: Oct 16, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 7 quarters (average surprise over the last four: +3.3%).
- Diluted EPS over the last four quarters was $4.60, up 40.2% year over year.
- Operating margin widened to 23.6% from 16.7% a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
Growth57Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 19%
- EPS growth (TTM, YoY)Top 26%
- FCF growth (TTM, YoY)Top 17%
- Revenue growth, 3-year CAGRBottom 21%
- Revenue growth accelerationTop 26%
Quality51Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 41%
- Gross marginTop 31%
- Operating marginTop 45%
- Cash conversion (OCF / net income)Top 48%
- Accruals (lower is better)Bottom 43%
- Net debt / EBITDA (lower is better)Top 48%
- Interest coverBottom 40%
Value67Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 46%
- Free-cash-flow yieldTop 45%
- EBITDA / enterprise valueTop 28%
- Sales / enterprise valueTop 37%
- P/E vs own 5-year history (lower is better)Bottom 46%
Momentum47Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 21%
- 6-month returnTop 49%
- 1-year return vs S&P 500Top 30%
- Distance from 52-week highBottom 35%
- Trend checklist (0–4)Bottom 27%
Revisions88Strong
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 42%
- Consecutive EPS beatsTop 16%
- Share of analysts rating BuyTop 14%
- Upside to consensus price targetTop 28%
Stability31Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 39%
- Maximum drawdown, 3 yearsBottom 48%
- Beta vs S&P 500 (lower is better)Bottom 16%
- Net debt / EBITDA (lower is better)Top 48%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -6.9% | -4.5% | ↑ |
| EPS growth (YoY) | 34.4% | 40.2% | ↑ |
| Gross margin | 60.0% | 72.4% | ↑ |
| Operating margin | 16.7% | 23.6% | ↑ |
| FCF margin | 9.6% | 20.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -4.5% | -6.9% | ↑ | Bottom 19% |
| EPS growth (TTM, YoY) | 40.2% | 34.4% | ↑ | Top 26% |
| Gross margin | 72.4% | 60.0% | ↑ | Top 31% |
| Operating margin | 23.6% | 16.7% | ↑ | Top 45% |
| Net margin | 18.5% | 13.3% | ↑ | — |
| Free-cash-flow margin | 20.5% | 9.6% | ↑ | — |
| Return on invested capital | 0.9% | — | Bottom 41% | |
| Revenue growth, 3-year CAGR | 7.1% | — | Bottom 21% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.18×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.1%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.14×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.87%
- Net buyback yield (TTM)
- 4.14%
- Shareholder yield
- 7.00%
- Share count change, 1 year
- -2.3%
- Share count change, 3-year CAGR
- -3.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 3, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 7
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +3.3%
- Average 2-day reaction, last 8
- +1.5%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $79.80
- Target vs current price
- +24.1%
- Analysts with a rating
- 38
- Share rating Buy or Strong Buy
- 79%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 16, 2026 | +4.8% | +4.6% | +1.9% | +3.9% | — |
| Apr 16, 2026 | +3.7% | -1.2% | -0.0% | -7.3% | +7.9% |
| Jan 21, 2026 | +2.7% | +7.1% | +6.0% | +8.7% | +7.7% |
| Oct 15, 2025 | +1.9% | -0.2% | -1.9% | +0.8% | +16.9% |
| Jul 17, 2025 | +4.2% | +3.9% | +6.2% | +3.4% | +10.4% |
| Apr 16, 2025 | +2.8% | -1.8% | +1.1% | +15.2% | +32.6% |
| Jan 17, 2025 | +2.4% | +1.6% | +1.4% | -1.0% | -24.0% |
| Oct 16, 2024 | -2.5% | -2.5% | -4.3% | +6.8% | +1.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 16, 2026 | $1.30 | $1.24 | +4.8% | $2.28B |
| Apr 16, 2026 | $1.13 | $1.09 | +3.7% | $2.17B |
| Jan 21, 2026 | $1.13 | $1.10 | +2.7% | $2.16B |
| Oct 15, 2025 | $1.05 | $1.03 | +1.9% | $2.12B |
| Jul 17, 2025 | $0.92 | $0.88 | +4.2% | $2.04B |
| Apr 16, 2025 | $0.77 | $0.75 | +2.8% | $1.94B |
| Jan 17, 2025 | $0.85 | $0.83 | +2.4% | $1.98B |
| Oct 16, 2024 | $0.77 | $0.79 | -2.5% | $1.90B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.0× | 10.6× | 62th | Top 46% |
| P/E (forward) | 12.1× | — | — | — |
| EV / EBITDA | 9.8× | — | — | Top 28% |
| EV / Sales | 2.69× | — | — | Top 37% |
| Free-cash-flow yield | 8.65% | — | — | Top 45% |
| Earnings yield | 7.15% | — | — | Top 46% |
P/E over the past five years
Range 6.1× – 16.8× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +21.4%
- Earnings per share growth (TTM)
- +40.2%
- Change in P/E multiple
- +8.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.5%
- 200-day average slope (20 days)
- +1.8%
- Distance from 50-day average
- -7.7%
- Distance from 200-day average
- -1.3%
- RSI (14)
- 34.2
- Relative volume
- 0.84×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 23.5%
- Volatility vs own 5-year history
- 4th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.11
- Correlation with S&P 500
- 0.60
- Current drawdown from 1-year high
- -13.9%
- Maximum drawdown, 3 years
- -29.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | Oct 27, 2023 | -59.4% | 448 days | 531 days (Dec 10, 2025) |
| May 17, 2021 | Jul 19, 2021 | -18.8% | 43 days | 66 days (Oct 20, 2021) |
| Feb 6, 2026 | Mar 13, 2026 | -18.3% | 24 days | 69 days (Jun 23, 2026) |
| Jan 14, 2021 | Jan 27, 2021 | -15.0% | 8 days | 13 days (Feb 16, 2021) |
| Aug 14, 2026 | Oct 1, 2026 | -14.8% | 33 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $27.20B
- P/E (TTM)
- 14.0
- EPS, diluted (TTM)
- $4.60
- Revenue (TTM)
- $11.47B
- Dividend yield
- 2.86%
- 52-week range
- $47.96 – $75.33
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $6.99B | $9.07B | $12.19B | $12.35B | $11.15B |
| Gross profit | $7.06B | $7.55B | $7.54B | $7.11B | $7.78B |
| Operating income | $2.98B | $2.65B | $2.03B | $1.89B | $2.33B |
| Net income | $2.32B | $2.07B | $1.61B | $1.51B | $1.83B |
| EPS (diluted) | $5.16 | $4.10 | $3.13 | $3.03 | $3.86 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3.07B | $3.03B | $2.90B | $3.01B | $3.09B | $2.16B | $3.03B | $3.19B |
| Net income | $382.0M | $401.0M | $373.0M | $436.0M | $494.0M | $528.0M | $517.0M | $587.0M |
| EPS (diluted) | $0.76 | $0.83 | $0.77 | $0.92 | $1.05 | $1.12 | $1.13 | $1.30 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $2.27B | $4.12B | $2.96B | $2.00B | $2.21B |
| Capital expenditure | -$124.0M | -$126.0M | -$172.0M | -$122.0M | -$174.0M |
| Free cash flow | $2.15B | $3.99B | $2.79B | $1.88B | $2.04B |
| Dividends paid | -$670.0M | -$779.0M | -$808.0M | -$769.0M | -$755.0M |
| Net share buybacks | -$295.0M | -$153.0M | -$906.0M | -$958.0M | -$607.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $12.76B
- Total assets
- $233.84B
- Total liabilities
- $207.65B
- Total debt
- $16.35B
- Net debt
- $3.59B
- Shareholders’ equity
- $26.18B
As of Jun 30, 2026 (filed Aug 3, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jul 30, 2026 | $0.46 | Aug 13, 2026 |
| Apr 30, 2026 | $0.46 | May 14, 2026 |
| Feb 4, 2026 | $0.46 | Feb 18, 2026 |
| Oct 29, 2025 | $0.46 | Nov 12, 2025 |
| Jul 31, 2025 | $0.42 | Aug 14, 2025 |
| Apr 30, 2025 | $0.42 | May 14, 2025 |
| Jan 31, 2025 | $0.42 | Feb 14, 2025 |
| Oct 30, 2024 | $0.42 | Nov 13, 2024 |
Short interest
- Shares sold short
- 16,967,370
- Days to cover
- 4.87
- Change vs previous report
- +17.1%
FINRA short interest, settlement date Sep 15, 2026.