Citizens Financial Group, Inc. CFG | NYSE
$63.24
-$0.52 | -0.82%
SIGNAL:
|2026-08-21
|F&G 22
|RSI 29.8
|2026-08-21
|F&G 22
|RSI 29.8
Company Overview:
Market Cap:
$26.96B
Trailing PE:
13.7x
FWD PE *:
10.7x
Payout Ratio (TTM):
43.1%
52-Week Range:
$47.96 - $75.33
* Forward PE is based on street estimates.
10 Year CFG Performance Metrics:
Total Return (with DRIP):
274.0% (14.10% CAGR)
Total Return (no DRIP):
215.2% (12.17% CAGR)
Share Price:
155.9% (9.85% CAGR)
Yield on Cost (with DRIP):
10.88%
Total Invested:
$10,000
Total Value (with DRIP):
$37,398
Total Return $ (with DRIP):
$27,398
Dividend Increase:
228.6% (12.98% CAGR)
Dividend Yield (FWD):
2.91% ($1.84)
CFG 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
CFG Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
CFG Price CAGR:1Y: 19.91%2Y: 25.86%5Y: 5.55%10Y: 9.85%
CFG Dividend Charts
CFG Dividend CAGR:1Y: 9.52%2Y: 4.65%5Y: 3.36%10Y: 14.38%
CFG Dividend Payout Ratio CAGR:1Y: -21.29%2Y: -17.01%5Y: 5.95%10Y: 3.02%
CFG Dividend to FCF Ratio CAGR:1Y: 28.21%2Y: 8.45%5Y: -0.87%10Y: 2.45%
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CFG Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
CFG Revenue CAGR:1Y: -24.08%2Y: -14.51%5Y: 7.25%10Y: 5.97%
CFG EPS CAGR:1Y: 41.30%2Y: 29.10%5Y: -2.02%10Y: 10.95%
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CFG Net Income CAGR:1Y: 34.63%2Y: 22.37%5Y: 0.10%10Y: 9.22%
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CFG EBITDA CAGR:1Y: 25.96%2Y: 17.08%5Y: -4.64%10Y: 3.30%
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CFG Free Cash Flow CAGR:1Y: -17.35%2Y: -6.36%5Y: 4.79%10Y: 9.83%
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CFG Free Cash Flow / Share CAGR:1Y: -15.25%2Y: -2.96%5Y: 4.94%10Y: 12.32%
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CFG Operating Income CAGR:1Y: 36.28%2Y: 25.42%5Y: -3.83%10Y: 2.74%
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CFG Gross Profit CAGR:1Y: 14.74%2Y: 9.97%5Y: 5.96%10Y: 5.33%
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CFG Shares Outstanding CAGR:1Y: -2.26%2Y: -3.33%5Y: -0.04%10Y: -2.15%
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CFG Share Buybacks CAGR:1Y: 12.50%2Y: 6.07%5Y: 0.00%10Y: 0.00%
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CFG Stock-Based Comp CAGR:1Y: 13.95%2Y: 52.75%5Y: 30.39%10Y: 21.48%
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CFG Expenses CAGR:1Y: -36.36%2Y: -16.33%5Y: -0.93%10Y: -9.01%
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CFG Revenue CAGR:1Y: -24.08%2Y: -14.51%5Y: 7.25%10Y: 5.97%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
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CFG Actual Revenue CAGR:1Y: -24.08%2Y: -14.51%5Y: 7.25%10Y: 5.97%
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CFG Actual EPS CAGR:1Y: 41.30%2Y: 29.10%5Y: -2.02%10Y: 10.95%
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CFG Actual Net Income CAGR:1Y: 34.63%2Y: 22.37%5Y: 0.10%10Y: 9.22%
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CFG Actual EBITDA CAGR:1Y: 25.96%2Y: 17.08%5Y: -4.64%10Y: 3.30%
Ratios, Profit Margins & Return on Capital:
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CFG Net Profit Margin CAGR:1Y: 26.69%2Y: 20.99%5Y: -14.53%10Y: -0.34%
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CFG Gross Profit Margin CAGR:1Y: 7.98%2Y: 8.74%5Y: -7.63%10Y: -3.89%
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CFG Price to Earnings CAGR:1Y: 11.16%2Y: 13.52%5Y: 12.15%10Y: 2.09%
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CFG Price To Sales Ratio CAGR:1Y: 43.71%2Y: 33.44%5Y: -5.25%10Y: 1.15%
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CFG Return on Capital Employed CAGR:1Y: -75.99%2Y: -45.72%5Y: -8.14%10Y: -2.18%
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CFG Return on Invested Capital CAGR:1Y: -75.11%2Y: -47.17%5Y: -36.17%10Y: -13.84%
CFG Dividends Info:
Annual Dividend:
$1.84
Forward Yield:
2.91%
Ex-Dividend Date:
2026-07-30
Lifetime Dividends / Share:
$15.14
CFG Dividend History: Dates, Payments & Yield list
Below is a schedule of all CFG dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 07/30/2026 | 08/03/2026 | $0.460 | 2.57% | 2.53% | $72.70 |
| 04/30/2026 | 05/04/2026 | $0.460 | 2.83% | 2.89% | $63.56 |
| 02/04/2026 | 02/06/2026 | $0.460 | 2.76% | 2.7% | $68.12 |
| 10/29/2025 | 10/31/2025 | $0.460 | 3.65% | 3.62% | $50.87 |
| 07/31/2025 | 08/04/2025 | $0.420 | 3.52% | 3.53% | $47.58 |
| 04/30/2025 | 05/02/2025 | $0.420 | 4.55% | 4.35% | $38.65 |
| 01/31/2025 | 02/03/2025 | $0.420 | 3.53% | 3.62% | $46.37 |
| 10/30/2024 | 11/01/2024 | $0.420 | 3.93% | 4.02% | $41.82 |
| 07/31/2024 | 08/02/2024 | $0.420 | 3.94% | 4.29% | $39.20 |
| 04/30/2024 | 05/02/2024 | $0.420 | 4.93% | 4.8% | $34.99 |
| 01/30/2024 | 02/01/2024 | $0.420 | 4.9% | 5.39% | $31.18 |
| 10/31/2023 | 11/02/2023 | $0.420 | 7.17% | 6.75% | $24.90 |
| 08/01/2023 | 08/03/2023 | $0.420 | 5.4% | 5.34% | $31.48 |
| 05/02/2023 | 05/04/2023 | $0.420 | 6.24% | 6.76% | $24.85 |
| 01/30/2023 | 02/01/2023 | $0.420 | 3.97% | 3.85% | $43.66 |
| 11/01/2022 | 10/06/2022 | $0.420 | 4.15% | 4.74% | $35.43 |
| 08/01/2022 | 08/16/2022 | $0.420 | 4.47% | 4.19% | $40.09 |
| 05/02/2022 | 05/17/2022 | $0.390 | 3.96% | 3.96% | $39.41 |
| 01/28/2022 | 02/11/2022 | $0.390 | 3.02% | 2.86% | $54.47 |
| 10/28/2021 | 11/12/2021 | $0.390 | 3.26% | 3.16% | $49.36 |
| 07/29/2021 | 08/13/2021 | $0.390 | 3.64% | 3.48% | $44.77 |
| 04/28/2021 | 05/13/2021 | $0.390 | 3.38% | 3.15% | $49.48 |
| 02/02/2021 | 02/17/2021 | $0.390 | 4.1% | 3.73% | $41.83 |
| 10/27/2020 | 11/12/2020 | $0.390 | 5.85% | 5.08% | $30.68 |
| 07/28/2020 | 08/12/2020 | $0.390 | 6.45% | 5.89% | $26.49 |
| 04/28/2020 | 05/13/2020 | $0.390 | 7% | 8.07% | $19.33 |
| 01/28/2020 | 02/12/2020 | $0.390 | 4.1% | 4.01% | $38.88 |
| 10/29/2019 | 11/13/2019 | $0.360 | 4.03% | 3.8% | $37.90 |
| 07/30/2019 | 08/14/2019 | $0.360 | 3.83% | 4.54% | $31.72 |
| 04/30/2019 | 05/15/2019 | $0.320 | 3.54% | 3.74% | $34.21 |
| 01/30/2019 | 02/14/2019 | $0.320 | 3.7% | 3.57% | $35.90 |
| 10/30/2018 | 11/14/2018 | $0.270 | 2.97% | 2.98% | $36.21 |
| 07/31/2018 | 08/15/2018 | $0.270 | 2.71% | 2.72% | $39.75 |
| 05/01/2018 | 05/16/2018 | $0.220 | 2.15% | 2.07% | $42.54 |
| 01/31/2018 | 02/15/2018 | $0.220 | 1.92% | 1.91% | $46.02 |
| 10/31/2017 | 11/15/2017 | $0.180 | 1.89% | 1.89% | $38.14 |
| 07/31/2017 | 08/16/2017 | $0.180 | 2.05% | 2.12% | $33.95 |
| 05/01/2017 | 05/17/2017 | $0.140 | 1.51% | 1.62% | $34.57 |
| 01/31/2017 | 02/16/2017 | $0.140 | 1.55% | 1.46% | $38.25 |
| 10/31/2016 | 11/16/2016 | $0.120 | 1.82% | 1.56% | $30.73 |
| 08/01/2016 | 08/17/2016 | $0.120 | 2.16% | 2.05% | $23.44 |
| 05/02/2016 | 05/18/2016 | $0.120 | 2.08% | 2.08% | $23.13 |
| 02/02/2016 | 02/18/2016 | $0.100 | 1.98% | 2.09% | $19.11 |
| 11/03/2015 | 11/19/2015 | $0.100 | 1.64% | 1.53% | $26.12 |
| 07/30/2015 | 08/17/2015 | $0.100 | 1.51% | 1.52% | $26.28 |
| 05/01/2015 | 05/19/2015 | $0.100 | 1.54% | 1.49% | $26.86 |
| 02/03/2015 | 02/19/2015 | $0.100 | 1.65% | 1.6% | $25.02 |
| 11/04/2014 | 11/20/2014 | $0.100 | 1.69% | 1.69% | $23.71 |
Projected Future Returns & Dividends for CFG
Based on past 10-year performance, here are CFG growth metrics:
Share price CAGR of +9.85%
Dividend CAGR of +14.44%
Using CFG CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| CFG (DRIP) | CFG - No DRIP | |
|---|---|---|
| Current Price | $63.24 | $63.24 |
| Start Shares | 158.13 | 158.13 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 224.54 | 158.13 |
| Dividends Payment | $1.77 | $1.77 |
| Annual Dividends | $1,592 | $1,121 |
| Yield on cost | 15.92% | 11.21% |
| Share Price | $161.85 | $161.85 |
| Total Dividends | $7,035 | $5,749 |
| Final Value | $36,342 | $31,342 |
Estimated Future Value + Dividends - CFG
NOTE: Above numbers are our estimate based on CFG's Dividend and Price CAGR over past 10 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
Citizens Financial Group, Inc. (CFG) had its IPO on 2014-09-24, and is traded on NYSE stock exchange.
Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive suite of retail and commercial banking solutions across the United States. It serves a broad spectrum of clients, from individual consumers and small enterprises to large corporations and various institutions. Its business is segmented into two primary divisions: Consumer Banking and Commercial Banking. The Consumer Banking division delivers a robust array of products, encompassing deposit accounts, mortgage and home equity lending, credit cards, and business loans for smaller entities. It also provides wealth management, investment services, and specialized financing for areas like auto, education, and point-of-sale purchases, alongside digital deposit solutions. Clients engage with this segment through contact centers and its advanced online and mobile banking platforms. Conversely, the Commercial Banking segment provides sophisticated financial solutions designed for corporate and institutional clients. These include a wide range of lending and leasing products, treasury and deposit management services, foreign exchange, and risk mitigation tools for interest rates and commodities. Additionally, it offers syndicated loans, corporate finance advice, merger and acquisition (M&A) assistance, and capital markets services for debt and equity. Its client roster spans numerous industries, such as government, non-profit, healthcare, technology, professional services, energy (oil and gas), asset and franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance. The company boasts a substantial physical presence, operating approximately 1,200 branches across 14 states and the District of Columbia. Complementing these are 114 non-branch retail and commercial offices in key national markets and a network of roughly 3,300 automated teller machines. Founded in 1828, Citizens Financial Group, Inc. is headquartered in Providence, Rhode Island. It adopted its current name in April 2014, having previously operated as RBS Citizens Financial Group, Inc.
CFG website: https://www.citizensbank.com
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DCF Model — CFG
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vs current price $63.24
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Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
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every future dollar counted back to today
Pile of today-dollars
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÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
