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STOCKS

Citizens Financial Group (CFG)

:CFG

CFG

Citizens Financial

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Citizens Financial (CFG) Ratios

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1,211 Followers

Citizens Financial Ratios

CFG's free cash flow for Q1 2025 was $0.62. For the 2025 fiscal year, CFG's free cash flow was decreased by $ and operating cash flow was $0.16. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.26	0.24	0.20	0.24	0.25
Quick Ratio	0.26	0.24	0.20	0.24	0.25
Cash Ratio	0.07	0.07	0.06	0.06	0.09
Solvency Ratio	0.01	0.01	0.01	0.02	0.01
Operating Cash Flow Ratio	<0.01	0.02	0.02	0.01	<0.01
Short-Term Operating Cash Flow Coverage	0.61	5.86	1.37K	30.74	0.46
Net Current Asset Value	$ -148.96B	$ -154.77B	$ -167.00B	$ -128.55B	$ -123.33B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.06	0.07	0.04	0.05
Debt-to-Equity Ratio	0.50	0.57	0.67	0.30	0.38
Debt-to-Capital Ratio	0.33	0.36	0.40	0.23	0.27
Long-Term Debt-to-Capital Ratio	0.29	0.36	0.40	0.23	0.27
Financial Leverage Ratio	8.85	9.12	9.57	8.04	8.09
Debt Service Coverage Ratio	0.32	0.47	2.51	7.13	1.61
Interest Coverage Ratio	0.44	0.51	2.53	8.78	1.68
Debt to Market Cap	0.58	0.89	0.85	0.35	0.56
Interest Debt Per Share	38.01	37.75	35.59	17.26	21.92
Net Debt to EBITDA	0.04	0.77	1.57	-0.69	-2.37
Profitability Margins
Gross Profit Margin	58.62%	61.84%	100.00%	100.00%	100.00%
EBIT Margin	15.89%	16.66%	32.97%	44.79%	18.80%
EBITDA Margin	20.17%	20.58%	39.99%	54.19%	27.17%
Operating Profit Margin	15.89%	16.66%	32.97%	44.79%	18.80%
Pretax Profit Margin	15.89%	16.66%	32.97%	44.79%	18.80%
Net Profit Margin	12.77%	13.19%	25.75%	34.89%	15.31%
Continuous Operations Profit Margin	12.77%	13.19%	25.75%	34.89%	15.31%
Net Income Per EBT	80.37%	79.21%	78.08%	77.90%	81.43%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.70%	0.72%	0.91%	1.23%	0.58%
Return on Equity (ROE)	6.32%	6.61%	8.75%	9.90%	4.66%
Return on Capital Employed (ROCE)	4.75%	4.60%	5.77%	8.76%	3.61%
Return on Invested Capital (ROIC)	3.64%	3.60%	4.51%	6.81%	2.92%
Return on Tangible Assets	0.73%	0.75%	0.95%	1.28%	0.60%
Earnings Yield	7.23%	10.21%	11.06%	11.53%	6.92%
Efficiency Ratios
Receivables Turnover	0.00	10.62	5.53	4.32	3.60
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	14.17	13.62	9.54	8.65	9.10
Asset Turnover	0.06	0.05	0.04	0.04	0.04
Working Capital Turnover Ratio	-0.09	-0.09	-0.06	-0.06	-0.07
Cash Conversion Cycle	0.00	34.38	66.00	84.56	101.28
Days of Sales Outstanding	0.00	34.38	66.00	84.56	101.28
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	34.38	66.00	84.56	101.28
Cash Flow Ratios
Operating Cash Flow Per Share	2.82	6.23	8.65	5.34	0.26
Free Cash Flow Per Share	2.53	5.87	8.39	5.05	-0.02
CapEx Per Share	0.29	0.36	0.26	0.29	0.28
Free Cash Flow to Operating Cash Flow	0.90	0.94	0.97	0.95	-0.06
Dividend Paid and CapEx Coverage Ratio	1.21	2.69	4.05	2.51	0.13
Capital Expenditure Coverage Ratio	9.79	17.22	32.69	18.35	0.94
Operating Cash Flow Coverage Ratio	0.10	0.21	0.26	0.32	0.01
Operating Cash Flow to Sales Ratio	0.10	0.24	0.51	0.34	0.02
Free Cash Flow Yield	5.23%	17.71%	21.31%	10.69%	-0.05%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.82	9.79	9.04	8.67	14.45
Price-to-Sales (P/S) Ratio	1.75	1.29	2.33	3.03	2.21
Price-to-Book (P/B) Ratio	0.86	0.65	0.79	0.86	0.67
Price-to-Free Cash Flow (P/FCF) Ratio	19.11	5.65	4.69	9.35	-2.18K
Price-to-Operating Cash Flow Ratio	17.34	5.32	4.55	8.84	137.58
Price-to-Earnings Growth (PEG) Ratio	3.51	-0.41	-0.44	0.07	-0.34
Price-to-Fair Value	0.86	0.65	0.79	0.86	0.67
Enterprise Value Multiple	8.69	7.05	7.38	4.90	5.77
Enterprise Value	21.26B	17.68B	23.78B	17.64B	10.82B
EV to EBITDA	8.69	7.05	7.38	4.90	5.77
EV to Sales	1.75	1.45	2.95	2.65	1.57
EV to Free Cash Flow	19.19	6.34	5.96	8.20	-1.55K
EV to Operating Cash Flow	17.23	5.97	5.77	7.76	97.49
Tangible Book Value Per Share	37.74	33.67	32.19	38.15	36.58
Shareholders’ Equity Per Share	56.73	51.24	49.77	55.02	53.09
Tax and Other Ratios
Effective Tax Rate	0.20	0.21	0.22	0.22	0.19
Revenue Per Share	27.65	25.65	16.92	15.62	16.17
Net Income Per Share	3.53	3.38	4.36	5.45	2.48
Tax Burden	0.80	0.79	0.78	0.78	0.81
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.23	0.23	0.33	0.33	0.32
Stock-Based Compensation to Revenue	<0.01	<0.01	0.01	<0.01	<0.01
Income Quality	0.80	1.84	1.99	0.98	0.11

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