Financial Snapshot

Revenue
$5.823B
TTM
Gross Margin
Net Earnings
$1.005B
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
Q4 2024
Total Liabilities
Q4 2024
Book Value
$24.25B
Q4 2024
Cash
Q4 2024
P/E
20.43
Nov 29, 2024 EST
Free Cash Flow
$1.444B
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Revenue $7.809B $8.224B $8.021B $6.647B $6.905B $6.491B $6.128B $5.707B $5.255B $4.824B $4.979B $4.690B $4.894B
YoY Change -5.05% 2.53% 20.67% -3.74% 6.38% 5.92% 7.38% 8.6% 8.93% -3.11% 6.16% -4.17%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Revenue $7.809B $8.224B $8.021B $6.647B $6.905B $6.491B $6.128B $5.707B $5.255B $4.824B $4.979B $4.690B $4.894B
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $132.0M $115.0M $107.0M $98.00M $110.0M $116.0M $117.0M $124.0M $130.0M $116.0M $117.0M $138.0M $163.0M
YoY Change 14.78% 7.48% 9.18% -10.91% -5.17% -0.85% -5.65% -4.62% 12.07% -0.85% -15.22% -15.34% -62.44%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Interest Expense $3.963B $1.048B $339.0M $771.0M $1.575B $1.226B $747.0M $508.0M $452.0M $363.0M $443.0M $619.0M
YoY Change 278.15% 209.14% -56.03% -51.05% 28.47% 64.12% 47.05% 12.39% 24.52% -18.06% -28.43%
% of Operating Profit
Other Income/Expense, Net $359.0M $396.0M $323.0M $300.0M $319.0M $364.0M $262.0M $300.0M $241.0M $271.0M $303.0M $256.0M $271.0M
YoY Change -9.34% 22.6% 7.67% -5.96% -12.36% 38.93% -12.67% 24.48% -11.07% -10.56% 18.36% -5.54%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Pretax Income $1.888B $2.030B $2.655B $2.977B $1.298B $2.251B $2.183B $1.912B $1.534B $1.263B $1.268B -$3.468B $1.024B
YoY Change -7.0% -23.54% -10.82% 129.35% -42.34% 3.11% 14.17% 24.64% 21.46% -0.39% -136.56% -438.67% 31.62%
Income Tax $379.0M $422.0M $582.0M $658.0M $241.0M $460.0M $462.0M $260.0M $489.0M $423.0M $403.0M -$42.00M $381.0M
% Of Pretax Income 20.07% 20.79% 21.92% 22.1% 18.57% 20.44% 21.16% 13.6% 31.88% 33.49% 31.78% 37.21%
Net Earnings $1.509B $1.491B $1.960B $2.319B $1.057B $1.791B $1.721B $1.652B $1.045B $840.0M $865.0M -$3.426B $643.0M
YoY Change 1.21% -23.93% -15.48% 119.39% -40.98% 4.07% 4.18% 58.09% 24.4% -2.89% -125.25% -632.81% 27.08%
Net Earnings / Revenue 19.32% 18.13% 24.44% 34.89% 15.31% 27.59% 28.08% 28.95% 19.89% 17.41% 17.37% -73.05% 13.14%
Basic Earnings Per Share $3.05 $3.14 $4.12 $5.18 $2.22 $3.82 $3.54 $3.26 $1.97 $1.55 $1.55 -$6.12 $1.15
Diluted Earnings Per Share $3.03 $3.13 $4.102M $5.16 $2.22 $3.81 $3.52 $3.25 $1.97 $1.55 $1.55 -$6.12 $1.15

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $895.0M $844.0M $1.534B $1.458B $1.460B $791.0M $685.0M $601.0M $595.0M $595.0M $592.0M $643.0M
YoY Change 6.04% -44.98% 5.21% -0.14% 84.58% 15.47% 13.98% 1.01% 0.0% 0.51% -7.93%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $0.00 $46.00M $0.00
YoY Change -100.0%
Total Long-Term Assets
YoY Change
Total Assets $222.0B $226.7B $188.4B $183.3B $165.7B $160.5B $152.3B $149.5B $138.2B $132.9B $122.2B $127.1B
YoY Change
Accounts Payable $0.00
YoY Change
Accrued Expenses $977.0M $1.066B $800.0M $835.0M $721.0M
YoY Change -8.35% 33.25% -4.19% 15.81%
Deferred Revenue
YoY Change
Short-Term Debt $505.0M $3.000M $74.00M $243.0M $274.0M $2.809B $2.671B $4.359B $3.432B $10.53B $7.042B $4.102B
YoY Change 16733.33% -95.95% -69.55% -11.31% -90.25% 5.17% -38.72% 27.01% -67.4% 49.52% 71.67%
Long-Term Debt Due $470.0M $751.0M $1.931B $1.361B $2.504B $0.00
YoY Change -37.42% -61.11% 41.88% -45.65%
Total Short-Term Liabilities $505.0M $1.817B $2.731B $2.196B $3.225B $2.809B $2.671B $4.359B $3.432B $10.53B $7.042B $4.102B
YoY Change -72.21% -33.47% 24.36% -31.91% 14.81% 5.17% -38.72% 27.01% -67.4% 49.52% 71.67%
Long-Term Debt $9.681B $7.368B $4.982B $6.966B $6.535B $6.925B $11.77B $12.79B $9.886B $4.642B $1.350B $639.0M
YoY Change 31.39% 47.89% -28.48% 6.6% -5.63% -41.14% -8.01% 29.37% 112.97% 243.85% 111.27%
Other Long-Term Liabilities $6.308B $6.429B $2.822B $3.459B $2.311B $2.311B $1.970B $2.106B $1.975B $2.218B $7.409B $2.534B
YoY Change -1.88% 127.82% -18.42% 49.68% 0.0% 17.31% -6.46% 6.63% -10.96% -70.06% 192.38%
Total Long-Term Liabilities $15.99B $13.80B $7.804B $10.43B $8.846B $9.236B $13.74B $14.90B $11.86B $6.860B $8.759B $3.173B
YoY Change 15.89% 76.79% -25.14% 17.85% -4.22% -32.76% -7.79% 25.59% 72.9% -21.68% 176.05%
Total Liabilities $197.6B $203.0B $165.0B $160.7B $143.5B $139.7B $132.1B $129.8B $118.6B $113.6B $103.0B $102.9B
YoY Change -2.67% 23.06% 2.68% 11.94% 2.74% 5.78% 1.77% 9.46% 4.38% 10.33% 0.03%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

Stock Price

Market Cap: $20.537 Billion

About CITIZENS FINANCIAL GROUP INC/RI

Citizens Financial Group, Inc. engages in the provision of commercial banking services. The company is headquartered in Providence, Rhode Island and currently employs 17,570 full-time employees. The company went IPO on 2014-09-24. The firm operates through two segments: Consumer Banking and Commercial Banking. Consumer Banking segment serves consumer customers and small businesses, with products and services that include deposits, mortgage and home equity lending, credit cards, small business loans, wealth management and investment services largely across its 4-state traditional banking footprint. Consumer Banking segment operates approximately 1,100 branches, including 187 in-store locations, and approximately 3,200 ATMs. Commercial Banking segment primarily serves companies and institutions with financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as syndicated loans, and others.

Industry: State Commercial Banks Peers: FIFTH THIRD BANCORP FIRST CITIZENS BANCSHARES INC /DE/ FIRST HORIZON CORP FIRST REPUBLIC BANK HUNTINGTON BANCSHARES INC /MD/ KEYCORP /NEW/ REGIONS FINANCIAL CORP PNC FINANCIAL SERVICES GROUP, INC. SVB FINANCIAL GROUP