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  Citizens Financial Group Inc ( CFG ) |
2013 - 2021 (9 years)

Net Revenue (Sales) is 
$3.5B (1Y -37.8% )

CFG Stock Price & Net Revenue (Sales)

Net Revenue (Sales) for CFG competitors.
CATY HWC STI PB
Note: Stonk = Stock. Both words are used interchangeably. 🙂

Historical (All-Time) Stats for Net Revenue (Sales)

chevron_right 2021 $173.0M -0.9x
( -24.5% / year avg)
chevron_left 2013 $2.2B
vertical_align_top Peak $6.3B +35.4x
vertical_align_bottom Bottom $173.0M
arrow_drop_up # Up Years 8 8 of 9
years up.
arrow_drop_down # Down Years 1
Up Years = Positive (0%+) YoY change
Down Years = Zero or Negative (0% or less) YoY change

Key Points (Stonk Price Comparison)

  • CFG's stock price has drop +40.7% from $19.89 in 2013 , or +0.66x the rate relative to it's net revenue (sales) over the same period.
  • If CFG shrinks it's stock at the same rate as it's net revenue (sales) (-24.5%/year) , it's stock price will shrink +6.02% and hit $1.68 over the next 10 years.
  • CFG's stock price has gone up 5 of the 8 years (+62%) it's net revenue (sales) were also up.
5-Year Change 🚀
-84.7%$692.0MNet Revenue (Sales)
-452.4%-$6.3BSelling, General, and Administrative (SG&A)
-400.0%-$300.0MSelling & Marketing Expenses (S&M)
-100.2%$348.0KOther Income/Expenses, Net
-603.6%-$20.5BTotal Operating Expenses
-3,216.4%-$14.5BInterest Expense/Income, Net
-446.3%-$1.7BDepreciation & Amortization (D&A)
+198%$3.9BPretax Income (Earnings)
-98.1%0.02Pretax Income (Earnings) Margin
+175%$1.2BProvision For Income Taxes
+209%$2.7BNet Income (Earnings)
+282%6.41Earnings Per Share (EPS)
+283%6.39Earnings Per Share (EPS) Diluted
-19.1%$1.7BShares Outstanding
-19.3%$1.7BShares Outstanding (Diluted)
  • Line Item (in $M) FY 2020 FY 2019 FY 2018 FY 2017 FY 2016 FY 2015 FY 2014 FY 2013 FY 2012
    1 Revenue 4966000000 5993000000 5681000000 5303000000 4878000000 4453000000 4559000000 4330000000 4555000000
    2 Cost of Revenue 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    3 Gross Profit (Income) 4966000000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    4 R&D 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    5 SG&A 0.00 2088000000.00 2031000000.00 1952000000.00 1891000000.00 1840000000.00 1910000000.00 1848000000.00 2095000000.00
    6 Other Expenses 0.00 -302000000.00 -215000000.00 -251000000.00 -246000000.00 -225000000.00 -255000000.00 -256000000.00 -271000000.00
    7 Operating Expenses 0.00 5815000000.00 5171000000.00 4542000000.00 4229000000.00 4013000000.00 4074000000.00 8601000000.00 4489000000.00
    8 Interest Expense -2964000000 1575000000 1226000000 747000000 508000000 452000000 363000000 443000000 619000000
    9 D&A 0.00 633000000.00 189000000.00 180000000.00 170000000.00 146000000.00 145000000.00 102000000.00 77000000.00
    10 EBITDA 1714000000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    11 Operating Income 1714000000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    12 Other Income Expenses (Net) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    13 Pre-Income Tax 1714000000 2251000000 2183000000 1912000000 1534000000 1263000000 1268000000 -3468000000 1024000000
    14 Income Tax Expense 429000000 460000000 462000000 260000000 489000000 423000000 403000000 -42000000 381000000
    15 Net Income 1285000000 1791000000 1721000000 1652000000 1045000000 840000000 865000000 -3426000000 643000000
    16 EPS 3.01 3.82 3.54 3.26 2.00 1.57 1.55 -6.12 1.15
    17 EPS Diluted 3.00 3.81 3.52 3.25 1.99 1.56 1.55 -6.12 1.15
    18 Shares Outstanding 426846096 449731453 478822072 502157440 522093545 535599731 556674146 559998324 559998324
    19 Shares Outstanding (Diluted) 427992349 451213701 480430741 503685091 523930718 538220898 557724936 559998324 559998324
  • Line Item (in $M) Q4 2020 FY 2019 FY 2018 FY 2017 FY 2016 FY 2015 FY 2014 FY 2013
    1 Cash & Cash Equivalents 1037000000 3683000000 4222000000 3224000000 4143000000 3441000000 3646000000 2990000000
    2 Short Term Investments 0.00 20613000000.00 19895000000.00 20157000000.00 19501000000.00 17884000000.00 18656000000.00 15995000000.00
    3 Cash & S-T Investments 1037000000 24296000000 24117000000 23381000000 23644000000 21325000000 22302000000 18985000000
    4 Accounts Receivables 0.00 0.00 0.00 6000000.00 0.00 0.00 0.00 446000000.00
    5 Inventory 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    6 Other Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    7 Total Current Assets 1037000000 21788000000 20976000000 21144000000 20456000000 18983000000 19827000000 114686000000
    8 PP&E 0.00 761000000.00 791000000.00 685000000.00 601000000.00 595000000.00 595000000.00 592000000.00
    9 Goodwill 7050000000 7044000000 6923000000 6887000000 6876000000 6876000000 6876000000 6876000000
    10 Intangible Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    11 Goodwill & Intangible Assets 7050000000 7044000000 6923000000 6887000000 6876000000 6876000000 6876000000 6876000000
    12 L-T Investments 0.00 23815000000.00 25075000000.00 25733000000.00 25610000000.00 24075000000.00 24704000000.00 21245000000.00
    13 Tax Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    14 Other Non-Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    15 Total Non-Current Assets 7050000000 143945000000 139542000000 131192000000 129064000000 119225000000 113030000000 7468000000
    16 Other Assets 175262000000 21788000000 20976000000 21144000000 20456000000 18983000000 19827000000 114686000000
    17 Total Assets 183349000000 165733000000 160518000000 152336000000 149520000000 138208000000 132857000000 122154000000
    18 Accounts Payables 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    19 S-T Debt 26177000000.00 9000000.00 1653000000.00 1856000000.00 3211000000.00 2630000000.00 6253000000.00 2251000000.00
    20 Income Tax Payables 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    21 Deferred Revenue 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    22 Other Current Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    23 Total Current Liabilities 26177000000.00 129485000000.00 125268000000.00 120301000000.00 116983000000.00 108676000000.00 108947000000.00 0.00
    24 L-T Debt 0.00 14047000000.00 14433000000.00 11765000000.00 12790000000.00 9886000000.00 4642000000.00 1405000000.00
  • Line Item (in $M) FY 2020 FY 2019 FY 2018 FY 2017 FY 2016 FY 2015 FY 2014 FY 2013 FY 2012
    1 Net Income (Earnings) 0.00 1791000000.00 1721000000.00 1652000000.00 1045000000.00 840000000.00 865000000.00 -3426000000.00 643000000.00
    2 D&A 0.00 633000000.00 489000000.00 502000000.00 523000000.00 471000000.00 386000000.00 404000000.00 467000000.00
    3 Deferred Income Tax 0.00 64000000.00 97000000.00 -136000000.00 153000000.00 249000000.00 141000000.00 -53000000.00 306000000.00
    4 Stock-Based Compensation (SBC) -16000000.00 41000000.00 41000000.00 48000000.00 23000000.00 24000000.00 53000000.00 0.00 29000000.00
    5 Change in Working Capital 82557000000 -3405000000 -5135000000 -2630000000 -6834000000 -573000000 -203806000000 -413000000 115099000000
    6 Accounts Receivables 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    7 Inventory 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    8 Accounts Payables 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    9 Other Working Capital -25140000000.00 -107697000000.00 -104292000000.00 -99157000000.00 -96527000000.00 -89693000000.00 -89120000000.00 114686000000.00 115099000000.00
    10 Other Non-Cash Items 0.00 -672000000.00 26000000.00 156000000.00 -197000000.00 0.00 -366000000.00 448000000.00 -60000000.00
    11 Net Cash Provided by Operating Activities 0.00 1697000000.00 1767000000.00 1883000000.00 1490000000.00 1229000000.00 1390000000.00 2649000000.00 1714000000.00
    12 Investments in PP&E 0.00 -126000000.00 -232000000.00 -253000000.00 -138000000.00 -121000000.00 -141000000.00 -368000000.00 -178000000.00
    13 Acquisitions (Net) 0.00 -129000000.00 -533000000.00 0.00 0.00 0.00 0.00 0.00 -309000000.00
    14 Purchase of Investments 0.00 -9650000000.00 -5186000000.00 -6291000000.00 -8599000000.00 -7963000000.00 -9573000000.00 -11224000000.00 -5533000000.00
    15 Sales/Maturities of Investments 813000000 10749000000 5570000000 6178000000 6778000000 8384000000 6832000000 8502000000 9595000000
    16 Other Investing Activities 0.00 -27000000.00 -42000000.00 -44000000.00 -48000000.00 -37000000.00 -188000000.00 -40000000.00 -351000000.00
    17 Net Cash used for Investing Activities 0.00 -3875000000.00 -7077000000.00 -3984000000.00 -11326000000.00 -5905000000.00 -10274000000.00 -2453000000.00 919000000.00
    18 Debt Repayment 261000000.00 -14857000000.00 -14837000000.00 -12751000000.00 -8429000000.00 -766000000.00 -6000000.00 -291000000.00 -2885000000.00
    19 Common Stock Issued 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
    20 Common Stock Repurchased 0.00 -1220000000.00 -1025000000.00 -820000000.00 -430000000.00 -500000000.00 -334000000.00 0.00 0.00
    21 Dividends Paid -672000000.00 -682000000.00 -485000000.00 -336000000.00 -255000000.00 -221000000.00 -806000000.00 -1185000000.00 -150000000.00
    22 Other Financing Activities 0.00 -21000000.00 -13000000.00 -20000000.00 0.00 0.00 0.00 0.00 0.00
    23 Net Cash Used Provided by Financing Activities 15372000000 1490000000 6352000000 1429000000 10455000000 4485000000 9403000000 -502000000 -3264000000
    24 Net Change in Cash 9347000000 -688000000 1042000000 -672000000 619000000 -191000000 519000000 -306000000 -631000000
  • About
    Industry: Banks Regional
    Sector: Financial Services
    Country: US
    IPO Date: 9/24/2014
    Stonk Exchange: NYSE
    • Citizens Financial Group, Inc
    • engages in the provision of commercial banking services.
    • The company is headquartered in Providence, Rhode Island and currently employs 17,800 full-time employees.
    • The firm operates through two segments: Consumer Banking and Commercial Banking.
    • Its Consumer Banking serves retail customers and small businesses.
    • Consumer Banking products and services include deposit products, mortgage and home equity lending, auto financing, student loans, personal unsecured lines and loans, credit cards, business loans, wealth management and investment services.
    • The firm's Commercial Banking segment offers a range of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange and interest rate risk management solutions, as well as corporate finance, merger and acquisition, and debt and equity capital markets capabilities.
    • The firm delivers a range of retail and commercial banking products and services to individuals, institutions and companies.
    • The firm operates approximately 1,100 branches.



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