US stock · figures in US dollars · scored on full-year results
Citizens Financial Group Citizens Financial Group, Inc. Common Stock
Citizens Financial Group scores 82/100 on fundamentals: in the top 1% of 503 scored S&P 500 stocks. Its strongest area is Risk (100/100); its weakest is Cash & Dividends (67/100).
A financially strong, inexpensively priced stock, but cash & dividends needs attention.
Nearby peers
Ranks #3 of 14 in Banking by score
One-Minute Summary
Why Citizens Financial Group scores 82
A financially strong, inexpensively priced stock, but cash & dividends needs attention.
Business Strength
80Why 80?
Show 3 charts
Net Profit & Equity, with ROE
Revenue & Net Profit, with Net Margin
Sales grew about 8.6% over 4 years: customers keep spending more with this company.
Profit climbed about 41% over 4 years: the business keeps more money as it grows.
Recent Quarters: Revenue & Net Profit (the last 8 quarters, scored)
Sales grew about 20.1% over the last 8 quarters: customers keep spending more with this company.
Profit grew about 53.7% over the last 8 quarters: the business is keeping more of what it earns.
Financial Safety
83Why 83?
Not used for banks: Debt-to-Equity · Current Ratio · Interest Coverage
Cash & DividendsLowest pillar
67Why 67?
Not used for banks: Operating Cash Flow · Free Cash Flow
Show 2 charts
Cash vs Total Debt
Dividends per Share, with Yield
Dividends per share have been maintained or raised: management shares the rewards with you.
Price Fairness
83Why 83?
Show chart
Share Price: Weekly Closes (not part of the score)
The share price is up about 28.1% over the past year.
Risk
100Why 100?
Not used for banks: Debt Trend (4yr) · Asset Turnover Trend (4yr)
No data: Inventory vs Sales (4yr)
Sector peers
Citizens Financial Group (CFG) scores 82/100 (Strong) on Score Your Stock's educational fundamentals model: in the top 1% of 503 scored S&P 500 stocks.
Its strongest pillar is Risk (100/100); its weakest is Cash & Dividends (67/100).
Citizens Financial Group ranks #3 of 14 scored Banking stocks on Score Your Stock.
Yes. Citizens Financial Group (CFG) has a dividend yield of 3%, from dividends with an ex-date in the last 12 months. It pays out 41% of its profit as dividends. Its Cash & Dividends pillar scores 67/100.
From Malaysia, open an account with a broker that offers US shares (many local and app-based brokers do), convert ringgit to US dollars, then buy CFG. US shares trade one share at a time, not in lots of 100. Check the currency conversion fee and US dividend tax (usually 30% withheld for Malaysians) before you buy.
The overall score pools every measure across 5 weighted pillars: Business Strength, Financial Safety, Cash & Dividends, Price Fairness, and Risk. It uses the same rules as our Bursa scores. For banks, Financial Safety checks nonaccrual (impaired) loans, loan loss coverage and the CET1 capital ratio, from the FDIC call report of the group's main bank. Full methodology and the default weights: https://scoreyourstock.com/how. This is an educational tool, not investment advice.
Citizens Financial Group (CFG) is a Banking company (Banks - Regional). On Score Your Stock's fundamentals check, it scores 82/100, rated Strong. Its biggest strength is Risk (100/100); its main watch-out is Cash & Dividends (67/100). Shares currently cost about 12 years of its current profit to buy (P/E 11.8×). It also pays back about 3.0% of the share price as dividends each year. Full breakdown and daily-updated score: https://scoreyourstock.com/stocks/us/cfg-citizens-financial-group
Full Financial History
Every reported figure behind the score, year by year. Download it, or check it against the company's own annual report.
| Financial Year | Revenue | Net Profit | Operating Cash Flow | Free Cash Flow | CapEx | Cash | Total Debt | Short-Term Debt | Equity | Total Assets | Total Liabilities | Dividends | Return on Equity (ROE) | Net Profit Margin | Debt-to-Equity | Dividend Payout Ratio | Div yield | P/E Ratio | P/B Ratio | PEG Ratio |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | US$ 8.9b | US$ 2.3b | US$ 1.3b | US$ 1.1b | US$ -165.0m | US$ 13.6b | US$ 17.8b | US$ 2.3b | US$ 25.2b | US$ 234.5b | US$ 209.3b | - | 9% | 25% | 0.7× | 41% | - | - | - | - |
| 2025 | US$ 8.2b | US$ 1.8b | US$ 2.2b | US$ 2.0b | US$ -174.0m | US$ 13.7b | US$ 11.3b | US$ 2.0b | US$ 26.3b | US$ 226.4b | US$ 200.0b | US$ 172.0m | 7% | 22% | 0.4× | 49% | 3% | 13.6× | 1.0× | - |
| 2024 | US$ 7.8b | US$ 1.5b | US$ 2.0b | US$ 1.9b | US$ -122.0m | US$ 11.2b | US$ 12.4b | US$ 2.0b | US$ 24.3b | US$ 217.5b | US$ 193.3b | US$ 168.0m | 6% | 19% | 0.5× | 60% | 4% | 12.3× | 0.8× | - |
| 2023 | US$ 8.2b | US$ 1.6b | US$ 3.0b | US$ 2.8b | US$ -172.0m | US$ 12.0b | US$ 14.0b | US$ 505.0m | US$ 24.3b | US$ 222.0b | US$ 197.6b | US$ 168.0m | 7% | 20% | 0.6× | 58% | 6% | 8.7× | 0.6× | 0.6 |