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Citizens Financial Group, Inc. (CFG)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN

US1746101054

CUSIP

174610105

IPO Date

Sep 24, 2014

Highlights

Market Cap

$16.39B

EPS (TTM)

$3.15

PE Ratio

11.77

PEG Ratio

0.26

Total Revenue (TTM)

$5.84B

Gross Profit (TTM)

$6.88B

EBITDA (TTM)

$1.72B

Year Range

$31.90 - $48.82

Target Price

$46.28

Short %

2.76%

Short Ratio

1.69

Share Price Chart


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Compare to other instruments

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.


Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Citizens Financial Group, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


120.00%140.00%160.00%180.00%200.00%NovemberDecember2025FebruaryMarchApril
130.39%
176.50%
CFG (Citizens Financial Group, Inc.)
Benchmark (^GSPC)

Returns By Period

Citizens Financial Group, Inc. had a return of -14.57% year-to-date (YTD) and 9.80% in the last 12 months. Over the past 10 years, Citizens Financial Group, Inc. had an annualized return of 7.31%, while the S&P 500 had an annualized return of 10.27%, indicating that Citizens Financial Group, Inc. did not perform as well as the benchmark.


CFG

YTD

-14.57%

1M

-10.16%

6M

-9.03%

1Y

9.80%

5Y*

15.85%

10Y*

7.31%

^GSPC (Benchmark)

YTD

-6.06%

1M

-1.00%

6M

-4.87%

1Y

8.34%

5Y*

14.11%

10Y*

10.27%

*Annualized

Monthly Returns

The table below presents the monthly returns of CFG, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20259.66%-3.78%-10.49%-9.54%-14.57%
2024-0.10%-4.01%15.61%-4.86%3.46%2.10%19.59%0.89%-4.60%3.59%14.29%-9.10%38.01%
202311.11%-3.60%-27.27%1.88%-15.45%1.16%23.70%-11.65%-4.73%-10.98%16.39%21.53%-11.01%
20229.76%1.85%-13.53%-13.08%6.08%-13.75%6.39%-2.32%-6.32%19.03%4.69%-7.10%-13.37%
20211.90%20.47%1.63%5.72%7.82%-8.08%-7.25%3.87%7.28%1.68%-0.23%-0.04%37.02%
2020-7.25%-14.99%-40.64%21.14%7.64%4.73%-0.14%4.27%-2.28%9.30%19.85%9.49%-6.73%
201915.14%8.90%-12.02%12.37%-10.00%8.53%6.39%-9.45%4.83%0.41%9.39%5.59%41.84%
20189.86%-5.25%-3.47%-1.17%-1.02%-4.77%2.96%3.47%-6.29%-2.43%-2.65%-18.23%-27.43%
20171.91%3.32%-7.55%6.25%-6.75%4.63%-1.17%-5.56%14.31%0.85%7.08%3.14%19.91%
2016-18.86%-9.07%8.94%9.07%3.61%-15.16%11.76%11.53%-0.24%7.08%27.22%6.33%38.80%
2015-3.86%4.37%-2.86%7.96%3.43%1.75%-4.17%-4.79%-3.87%1.84%10.04%-1.65%7.05%
20141.47%0.85%4.71%0.93%8.16%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

The current rank of CFG is 62, indicating average performance compared to other stocks on our website. Here’s a breakdown of how it compares using common performance measures.


The Risk-Adjusted Performance Rank of CFG is 6262
Overall Rank
The Sharpe Ratio Rank of CFG is 6464
Sharpe Ratio Rank
The Sortino Ratio Rank of CFG is 5757
Sortino Ratio Rank
The Omega Ratio Rank of CFG is 5858
Omega Ratio Rank
The Calmar Ratio Rank of CFG is 6767
Calmar Ratio Rank
The Martin Ratio Rank of CFG is 6666
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for Citizens Financial Group, Inc. (CFG) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


The chart of Sharpe ratio for CFG, currently valued at 0.30, compared to the broader market-2.00-1.000.001.002.003.00
CFG: 0.30
^GSPC: 0.46
The chart of Sortino ratio for CFG, currently valued at 0.66, compared to the broader market-6.00-4.00-2.000.002.004.00
CFG: 0.66
^GSPC: 0.77
The chart of Omega ratio for CFG, currently valued at 1.09, compared to the broader market0.501.001.502.00
CFG: 1.09
^GSPC: 1.11
The chart of Calmar ratio for CFG, currently valued at 0.32, compared to the broader market0.001.002.003.004.005.00
CFG: 0.32
^GSPC: 0.47
The chart of Martin ratio for CFG, currently valued at 1.13, compared to the broader market-5.000.005.0010.0015.0020.00
CFG: 1.13
^GSPC: 1.94

The current Citizens Financial Group, Inc. Sharpe ratio is 0.30. This value is calculated based on the past 1 year of trading data and takes into account price changes and dividends.

Use the chart below to compare the Sharpe ratio of Citizens Financial Group, Inc. with the selected benchmark, providing insights into the investment's historical performance in terms of risk-adjusted returns. Go to the Sharpe ratio tool for more fine-grained control over the calculation options.


Rolling 12-month Sharpe Ratio0.001.002.003.00NovemberDecember2025FebruaryMarchApril
0.30
0.46
CFG (Citizens Financial Group, Inc.)
Benchmark (^GSPC)

Dividends

Dividend History

Citizens Financial Group, Inc. provided a 4.53% dividend yield over the last twelve months, with an annual payout of $1.68 per share. The company has been increasing its dividends for 10 consecutive years.


0.00%1.00%2.00%3.00%4.00%5.00%$0.00$0.50$1.00$1.5020142015201620172018201920202021202220232024
Dividends
Dividend Yield
PeriodTTM20242023202220212020201920182017201620152014
Dividend$1.68$1.68$1.68$1.62$1.56$1.56$1.36$0.98$0.64$0.46$0.40$0.10

Dividend yield

4.53%3.84%5.07%4.11%3.30%4.36%3.35%3.30%1.52%1.29%1.53%0.40%

Monthly Dividends

The table displays the monthly dividend distributions for Citizens Financial Group, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2025$0.42$0.00$0.00$0.00$0.42
2024$0.42$0.00$0.00$0.42$0.00$0.00$0.42$0.00$0.00$0.42$0.00$0.00$1.68
2023$0.42$0.00$0.00$0.00$0.42$0.00$0.00$0.42$0.00$0.42$0.00$0.00$1.68
2022$0.39$0.00$0.00$0.00$0.39$0.00$0.00$0.42$0.00$0.00$0.42$0.00$1.62
2021$0.00$0.39$0.00$0.39$0.00$0.00$0.39$0.00$0.00$0.39$0.00$0.00$1.56
2020$0.39$0.00$0.00$0.39$0.00$0.00$0.39$0.00$0.00$0.39$0.00$0.00$1.56
2019$0.32$0.00$0.00$0.32$0.00$0.00$0.36$0.00$0.00$0.36$0.00$0.00$1.36
2018$0.22$0.00$0.00$0.00$0.22$0.00$0.27$0.00$0.00$0.27$0.00$0.00$0.98
2017$0.14$0.00$0.00$0.00$0.14$0.00$0.18$0.00$0.00$0.18$0.00$0.00$0.64
2016$0.00$0.10$0.00$0.00$0.12$0.00$0.00$0.12$0.00$0.12$0.00$0.00$0.46
2015$0.00$0.10$0.00$0.00$0.10$0.00$0.10$0.00$0.00$0.00$0.10$0.00$0.40
2014$0.10$0.00$0.10

Dividend Yield & Payout


Dividend Yield
5.0%10.0%15.0%20.0%25.0%
CFG: 4.5%
Citizens Financial Group, Inc. has a dividend yield of 4.53%, which is quite average when compared to the overall market.
Payout Ratio
200.0%400.0%600.0%800.0%1,000.0%1,200.0%
CFG: 44.0%
Citizens Financial Group, Inc. has a payout ratio of 43.98%, which is quite average when compared to the overall market. This suggests that Citizens Financial Group, Inc. strikes a balance between reinvesting profits for growth and paying dividends to shareholders.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


-30.00%-25.00%-20.00%-15.00%-10.00%-5.00%0.00%NovemberDecember2025FebruaryMarchApril
-23.78%
-10.07%
CFG (Citizens Financial Group, Inc.)
Benchmark (^GSPC)

Worst Drawdowns

The table below displays the maximum drawdowns of the Citizens Financial Group, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Citizens Financial Group, Inc. was 65.60%, occurring on Mar 18, 2020. Recovery took 233 trading sessions.

The current Citizens Financial Group, Inc. drawdown is 23.78%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-65.6%Jan 24, 2018541Mar 18, 2020233Feb 19, 2021774
-56.19%Jan 18, 2022448Oct 27, 2023
-35.12%Jun 8, 2015173Feb 11, 2016189Nov 9, 2016362
-18.8%May 18, 202143Jul 19, 202166Oct 20, 2021109
-18.24%Mar 2, 2017132Sep 7, 201758Nov 29, 2017190

Volatility

Volatility Chart

The current Citizens Financial Group, Inc. volatility is 20.86%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.


0.00%5.00%10.00%15.00%20.00%NovemberDecember2025FebruaryMarchApril
20.86%
14.23%
CFG (Citizens Financial Group, Inc.)
Benchmark (^GSPC)

Financials

Financial Performance

The chart below illustrates the trends in the financial health of Citizens Financial Group, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how Citizens Financial Group, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio
20.040.060.080.0100.0
CFG: 11.8
The chart displays the Price-to-Earnings (P/E) ratio for CFG, comparing it with other companies in the Banks - Regional industry. Currently, CFG has a P/E ratio of 11.8. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
2.04.06.08.010.0
CFG: 0.3
The chart shows the Price/Earnings to Growth (PEG) ratio for CFG compared to other companies in the Banks - Regional industry. CFG currently has a PEG ratio of 0.3. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.
PS Ratio
2.04.06.08.0
CFG: 2.3
This chart shows the Price-to-Sales (P/S) ratio for CFG relative to other companies in the Banks - Regional industry. Currently, CFG has a P/S ratio of 2.3. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
PB Ratio
0.51.01.52.02.53.0
CFG: 0.7
The chart illustrates the Price-to-Book (P/B) ratio for CFG in comparison with other companies in the Banks - Regional industry. Currently, CFG has a P/B value of 0.7. This P/B ratio is low compared to industry peers. It might indicate the stock is undervalued or that the company’s assets are not expected to generate strong returns.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items