US · USD

CFG

Citizens Financial Group, Inc.

$64.32-0.02% (-$0.01)Updated 10/5/26, 4:59 PM

Day's range: $63.92 – $64.97
Day's volume: $160.7M
52-week range: $46.98 – $74.73

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CFG in numbers

Market cap: $27.1B

P/E: 12.74

P/B: 1.03

Dividend yield (12m): 2.86%

The 12-month dividend yield of CFG is 2.86%, below its 5-year average of 3.85%.

CFG price history

10/06/202510/05/2026

Compare with

CFG risk and return

Monthly closes adjusted for splits and distributions.

Metric	12 months	36 months	60 months
Return	+21.37%	+161.31%	+65.71%
Volatility (annualized)	21.92%	28.26%	34.88%
Largest drawdown	-11.01%	-21.82%	-51.24%
Positive months	6/12	21/36	32/60

How much did investing in CFG return?

Amount invested

$1,000.00 invested on 11/01/2021 would be worth $1,657.07 today.

Value today in CFG: $1,657.07

Return over the period: +65.71%

Return per year: +10.80%

In the S&P 500: $1,702.20

With dividends reinvested, before taxes and costs, at month-end closes. Past returns do not guarantee future ones.

CFG fundamentals

Valuation

P/E
12.74
P/B
1.03
EV/EBITDA
—
EV/EBIT
—
EV/Revenue
24.81
P/EBIT
—
P/S
15.48
P/OCF
10.84
P/FCF
—
Earnings yield
—
PEG ratio
—
Earnings per share
$5.05
Book value per share
$62.17

Debt

Net debt
$16.3B
Net debt/EBITDA
—
Net debt/Equity
0.62
Debt/Equity
0.62
Current ratio
—
Quick ratio
—
Cash ratio
—

Efficiency

Gross margin
—
EBITDA margin
—
Operating margin
—
Net margin
121.42%
Asset turnover
0.01

Profitability

ROE
8.12%
ROA
0.91%
ROIC
—
Payout
36.45%

Growth

Revenue CAGR (5 years)
8.70%
Earnings CAGR (5 years)
0.94%
Revenue growth (year)
—
Earnings growth (year)
—
Revenue growth (quarter)
—
Earnings growth (quarter)
—

What is CFG's fair price?

Two classic value formulas, with today's numbers. The current price is $64.32.

Graham's fair price: $84.03; 30.64% above the price

√(22.50 × $5.05 × $62.17)

Benjamin Graham paid no more than a P/E of 15 and a P/B of 1.5. Their product, 22.5, times earnings (EPS) and book value per share gives the fair price.

Bazin's ceiling price: $27.53; 57.19% below the price

$1.65 (5-year average) ÷ 6%

Décio Bazin only bought stocks yielding at least 6% a year in distributions. The ceiling price is the average dividend per share of recent years over 6%.

Graham ignores growth and debt; Bazin assumes past distributions repeat. They are references to compare, not a buy recommendation.

CFG's indicators by year

Multiples at each year's closing price; margins and returns from that year's statements.

Indicator	2025	2024	2023	2022	2021	2020	2019	2018
P/E	13.56	12.68	9.45	9.19	8.60	14.38	9.69	7.95
P/B	0.94	0.79	0.62	0.80	0.85	0.67	0.78	0.66
Dividend yield	2.94%	3.84%	5.07%	4.11%	3.30%	4.36%	3.35%	3.30%
Earnings per share	$4.31	$3.45	$3.51	$4.28	$5.49	$2.49	$4.19	$3.74
Book value per share	$61.92	$55.48	$53.06	$48.94	$55.48	$53.33	$51.94	$45.22
ROE	6.96%	6.22%	6.61%	8.75%	9.90%	4.66%	8.07%	8.27%
Net margin	111.99%	98.43%	127.01%	159.58%	175.02%	97.87%	152.82%	153.80%

CFG's financial statements

Line	2025	2024	2023	2022	2021	2020
Net revenue	$1.6B	$1.5B	$1.3B	$1.3B	$1.3B	$1.1B
Cost of revenue	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—
EBITDA	—	—	—	—	—	—
EBIT	—	—	—	—	—	—
Financial result	—	—	—	—	—	—
Income before tax	$2.3B	$1.9B	$2B	$2.7B	$3B	$1.3B
Income tax	-$497M	-$379M	-$422M	-$582M	-$658M	-$241M
Net income	$1.8B	$1.5B	$1.6B	$2.1B	$2.3B	$1.1B

Figures the company filed with the CVM. Debt excludes leases; each quarter is that quarter alone.

Does CFG pay dividends?

Dividend yield per year

1.52%2017
3.30%2018
3.35%2019
4.36%2020
3.30%2021
4.11%2022
5.07%2023
3.84%2024
2.94%2025
2.14%2026

Payment history
Type	Last day to own	Payment	Per share
Dividend	07/29/2026	08/13/2026	$0.46
Dividend	04/29/2026	05/14/2026	$0.46
Dividend	02/03/2026	02/18/2026	$0.46
Dividend	10/28/2025	11/12/2025	$0.46
Dividend	07/30/2025	08/14/2025	$0.42
Dividend	04/29/2025	05/14/2025	$0.42
Dividend	01/30/2025	02/14/2025	$0.42
Dividend	10/29/2024	11/13/2024	$0.42
Dividend	07/30/2024	08/14/2024	$0.42
Dividend	04/29/2024	05/15/2024	$0.42
Dividend	01/29/2024	02/14/2024	$0.42
Dividend	10/30/2023	11/15/2023	$0.42

See all 40 distributions

Earlier distributions
Type	Last day to own	Payment	Per share
Dividend	07/31/2023	08/16/2023	$0.42
Dividend	05/01/2023	05/17/2023	$0.42
Dividend	01/27/2023	02/14/2023	$0.42
Dividend	10/31/2022	11/16/2022	$0.42
Dividend	07/29/2022	08/16/2022	$0.42
Dividend	04/29/2022	05/17/2022	$0.39
Dividend	01/27/2022	02/11/2022	$0.39
Dividend	10/27/2021	11/12/2021	$0.39
Dividend	07/28/2021	08/13/2021	$0.39
Dividend	04/27/2021	05/13/2021	$0.39
Dividend	02/01/2021	02/17/2021	$0.39
Dividend	10/26/2020	11/12/2020	$0.39
Dividend	07/27/2020	08/12/2020	$0.39
Dividend	04/27/2020	05/13/2020	$0.39
Dividend	01/27/2020	02/12/2020	$0.39
Dividend	10/28/2019	11/13/2019	$0.36
Dividend	07/29/2019	08/14/2019	$0.36
Dividend	04/29/2019	05/15/2019	$0.32
Dividend	01/29/2019	02/14/2019	$0.32
Dividend	10/29/2018	11/14/2018	$0.27
Dividend	07/30/2018	08/15/2018	$0.27
Dividend	04/30/2018	05/16/2018	$0.22
Dividend	01/30/2018	02/15/2018	$0.22
Dividend	10/30/2017	11/15/2017	$0.18
Dividend	07/28/2017	08/16/2017	$0.18
Dividend	04/28/2017	05/17/2017	$0.14
Dividend	01/30/2017	02/16/2017	$0.14
Dividend	10/28/2016	11/16/2016	$0.12

About Citizens Financial Group

Sector: Finance, insurance and real estate

Questions about CFG

How much is CFG today?

CFG is at $64.32 (-0.02% on the day), last traded on 10/05/2026.

How much did CFG pay in dividends in 2025?

CFG paid $1.72 per share in 2025, a dividend yield of 2.94%.

What are the P/E and P/B of CFG?

CFG trades at a P/E of 12.74 and a P/B of 1.03.

How much did CFG return in 12 months?

CFG returned 21.37% in 12 months, with annualized volatility of 21.92% and a largest drawdown of -11.01%.