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STOCKS

Citizens Financial (CFG)

NYSE:CFG

CFG

Citizens Financial

RESEARCH TOOLSreports

Citizens Financial (CFG) Ratios

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1,365 Followers

Citizens Financial Ratios

CFG's free cash flow for Q4 2025 was $1.00. For the 2025 fiscal year, CFG's free cash flow was decreased by $ and operating cash flow was $0.31. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	1.04	1.04	0.25	0.24	0.20
Quick Ratio	1.04	1.04	0.25	0.24	0.20
Cash Ratio	0.07	0.07	0.06	0.07	0.06
Solvency Ratio	0.01	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.01	0.01	0.01	0.02	0.02
Short-Term Operating Cash Flow Coverage	38.12	38.12	1.01	5.86	1.37K
Net Current Asset Value	$ -8.70B	$ -8.70B	$ -148.39B	$ -154.77B	$ -167.00B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.05	0.06	0.06	0.07
Debt-to-Equity Ratio	0.43	0.43	0.51	0.57	0.67
Debt-to-Capital Ratio	0.30	0.30	0.34	0.36	0.40
Long-Term Debt-to-Capital Ratio	0.30	0.30	0.30	0.36	0.40
Financial Leverage Ratio	8.60	8.60	8.97	9.12	9.57
Debt Service Coverage Ratio	0.57	0.57	0.31	0.47	2.51
Interest Coverage Ratio	0.61	0.61	0.41	0.51	2.53
Debt to Market Cap	0.46	0.45	0.63	0.89	0.85
Interest Debt Per Share	34.99	34.99	37.62	37.75	35.59
Net Debt to EBITDA	-0.54	-0.54	0.49	0.77	1.57
Profitability Margins
Gross Profit Margin	69.75%	69.75%	57.56%	61.84%	83.22%
EBIT Margin	20.88%	20.88%	15.29%	16.66%	29.28%
EBITDA Margin	24.17%	24.17%	19.32%	20.58%	35.51%
Operating Profit Margin	20.88%	20.88%	15.29%	16.66%	29.28%
Pretax Profit Margin	20.88%	20.88%	15.29%	16.66%	29.28%
Net Profit Margin	16.42%	16.42%	12.22%	13.19%	22.86%
Continuous Operations Profit Margin	16.42%	16.42%	12.22%	13.19%	22.86%
Net Income Per EBT	78.65%	78.65%	79.93%	79.21%	78.08%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.81%	0.81%	0.69%	0.72%	0.91%
Return on Equity (ROE)	7.16%	6.96%	6.22%	6.61%	8.75%
Return on Capital Employed (ROCE)	5.42%	5.42%	4.63%	4.60%	5.77%
Return on Invested Capital (ROIC)	4.25%	4.25%	3.53%	3.60%	4.51%
Return on Tangible Assets	0.84%	0.84%	0.72%	0.75%	0.95%
Earnings Yield	7.44%	7.27%	7.65%	10.21%	11.06%
Efficiency Ratios
Receivables Turnover	0.08	0.08	12.02	10.62	6.23
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	12.18	12.18	14.11	13.62	10.75
Asset Turnover	0.05	0.05	0.06	0.05	0.04
Working Capital Turnover Ratio	-0.18	-0.18	-0.09	-0.09	-0.07
Cash Conversion Cycle	4.65K	4.65K	30.36	34.38	58.60
Days of Sales Outstanding	4.65K	4.65K	30.36	34.38	58.60
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	4.65K	4.65K	30.36	34.38	58.60
Cash Flow Ratios
Operating Cash Flow Per Share	5.13	5.13	4.44	6.23	8.65
Free Cash Flow Per Share	4.72	4.72	4.17	5.87	8.39
CapEx Per Share	0.40	0.40	0.27	0.36	0.26
Free Cash Flow to Operating Cash Flow	0.92	0.92	0.94	0.94	0.97
Dividend Paid and CapEx Coverage Ratio	2.08	2.08	1.95	2.69	4.05
Capital Expenditure Coverage Ratio	12.71	12.71	16.40	17.22	32.69
Operating Cash Flow Coverage Ratio	0.20	0.20	0.16	0.21	0.26
Operating Cash Flow to Sales Ratio	0.20	0.20	0.16	0.24	0.45
Free Cash Flow Yield	8.32%	8.08%	9.53%	17.71%	21.31%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.43	13.76	13.07	9.79	9.04
Price-to-Sales (P/S) Ratio	2.20	2.26	1.60	1.29	2.07
Price-to-Book (P/B) Ratio	0.93	0.96	0.81	0.65	0.79
Price-to-Free Cash Flow (P/FCF) Ratio	12.02	12.37	10.50	5.65	4.69
Price-to-Operating Cash Flow Ratio	11.12	11.40	9.86	5.32	4.55
Price-to-Earnings Growth (PEG) Ratio	1.61	0.49	-4.10	-0.41	-0.44
Price-to-Fair Value	0.93	0.96	0.81	0.65	0.79
Enterprise Value Multiple	8.55	8.82	8.75	7.05	7.38
Enterprise Value	23.04B	23.75B	20.89B	17.68B	23.78B
EV to EBITDA	8.55	8.82	8.75	7.05	7.38
EV to Sales	2.07	2.13	1.69	1.45	2.62
EV to Free Cash Flow	11.31	11.66	11.12	6.34	5.96
EV to Operating Cash Flow	10.42	10.74	10.44	5.97	5.77
Tangible Book Value Per Share	41.76	41.76	35.33	33.67	32.19
Shareholders’ Equity Per Share	61.01	61.01	53.82	51.24	49.77
Tax and Other Ratios
Effective Tax Rate	0.21	0.21	0.20	0.21	0.22
Revenue Per Share	25.84	25.84	27.40	25.65	19.05
Net Income Per Share	4.24	4.24	3.35	3.38	4.36
Tax Burden	0.79	0.79	0.80	0.79	0.78
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	0.26	0.26	0.23	0.23	0.29
Stock-Based Compensation to Revenue	0.01	0.01	<0.01	<0.01	<0.01
Income Quality	1.21	1.21	1.33	1.84	1.99

Currency in USD