Citizens Financial Statements From 2010 to 2025

Citizens Financial Balance Sheet		Trends
Current Value Last Year Historical Average  10 Year Trend Net Receivables 1 B 1 B 857.3 M Slightly volatile Total Assets 228.4 B 217.5 B 193.7 B Slightly volatile Short and Long Term Debt Total 12.7 B 12.4 B 9.8 B Slightly volatile Total Current Liabilities 609.8 M 580.8 M 277.8 M Slightly volatile Total Stockholder Equity 26 B 24.3 B 23.2 B Slightly volatile Property Plant And Equipment Net 1.1 B 875 M 857.6 M Slightly volatile Retained Earnings 9.6 B 10.4 B 7.4 B Slightly volatile Cash 9.1 B 11.2 B 12.3 B Slightly volatile Non Current Assets Total 109.9 B 173.7 B 59.3 B Slightly volatile Long Term Debt 12.1 B 10.4 B 9.4 B Slightly volatile Cash And Short Term Investments 40 B 43.8 B 36.4 B Slightly volatile Good Will 8.5 B 8.2 B 7.4 B Slightly volatile Common Stock Shares Outstanding 498.7 M 456.6 M 440.4 M Slightly volatile Short Term Investments 29.8 B 32.6 B 24.7 B Slightly volatile Liabilities And Stockholders Equity 228.4 B 217.5 B 193.7 B Slightly volatile Non Current Liabilities Total 8.1 B 15.5 B 8.9 B Very volatile Other Stockholder Equity 17 B 15.3 B 14.8 B Slightly volatile Total Liabilities 202.3 B 193.3 B 170.5 B Slightly volatile Net Invested Capital 36.5 B 34.5 B 30.8 B Slightly volatile Long Term Investments 36.6 B 41.1 B 28.6 B Slightly volatile Property Plant And Equipment Gross 1.8 B 1.7 B 1.6 B Slightly volatile Short and Long Term Debt 2.1 B 2 B 299.3 M Slightly volatile Total Current Assets 33.2 B 43.8 B 35.2 B Slightly volatile Capital Stock 2.2 B 2.1 B 2 B Slightly volatile Short Term Debt 2.1 B 2 B 299.3 M Slightly volatile Intangible Assets 138.7 M 146 M 1.2 B Slightly volatile Common Stock 6.8 M 7 M 6.1 M Slightly volatile
Citizens Financial Income Statement		Trends
Current Value Last Year Historical Average  10 Year Trend Tax Provision 502 M 379 M 324.6 M Slightly volatile Net Interest Income 5.9 B 5.6 B 4.9 B Slightly volatile Interest Income 8.3 B 10.2 B 6.2 B Slightly volatile Depreciation And Amortization 438.9 M 498 M 220.9 M Slightly volatile Interest Expense 2.3 B 4.6 B 1.3 B Slightly volatile Selling General Administrative 2.8 B 2.8 B 2.3 B Slightly volatile Selling And Marketing Expenses 161.5 M 170 M 118.5 M Slightly volatile Total Revenue 4.7 B 7.8 B 6.4 B Slightly volatile Gross Profit 4.7 B 7.8 B 6.4 B Slightly volatile Other Operating Expenses 5.7 B 7.8 B 5.5 B Very volatile Operating Income 7 M 7.4 M 1.3 B Pretty Stable Net Income From Continuing Ops 1.9 B 1.5 B 1.3 B Slightly volatile EBITDA 7 M 7.4 M 1.8 B Pretty Stable Reconciled Depreciation 439 M 498 M 560.2 M Slightly volatile Income Before Tax 2.4 B 1.9 B 1.6 B Slightly volatile Net Income 1.8 B 1.5 B 1.2 B Slightly volatile Income Tax Expense 502 M 379 M 324.6 M Slightly volatile Cost Of Revenue 11.8 M 18.3 M 7.3 M Slightly volatile
Citizens Financial Cash Flow Statement		Trends
Current Value Last Year Historical Average  10 Year Trend Stock Based Compensation 82.5 M 97 M 58.6 M Slightly volatile Begin Period Cash Flow 10.4 B 11.6 B 5.7 B Slightly volatile Depreciation 439 M 498 M 560.2 M Slightly volatile Other Non Cash Items 945.1 M 645 M 1.5 B Slightly volatile Dividends Paid 940.7 M 903 M 807.3 M Slightly volatile Capital Expenditures 145.6 M 122 M 124.2 M Slightly volatile Total Cash From Operating Activities 2.5 B 2 B 943.7 M Slightly volatile Net Income 1.9 B 1.5 B 1.3 B Slightly volatile End Period Cash Flow 8.7 B 10.6 B 11.9 B Slightly volatile
Financial Ratios		Trends
Current Value Last Year Historical Average  10 Year Trend Price To Sales Ratio 3.0 2.5304 2.7357 Pretty Stable Dividend Yield 0.0316 0.039 0.0355 Slightly volatile PTB Ratio 0.61 0.8131 0.7246 Slightly volatile Days Sales Outstanding 45.69 48.0953 179 Slightly volatile Book Value Per Share 35.86 53.8167 44.042 Slightly volatile Operating Cash Flow Per Share 3.2 4.44 3.9773 Pretty Stable Stock Based Compensation To Revenue 0.0063 0.0124 0.0076 Slightly volatile Capex To Depreciation 0.23 0.245 0.583 Slightly volatile PB Ratio 0.61 0.8131 0.7246 Slightly volatile EV To Sales 4.33 4.1215 3.8462 Pretty Stable Sales General And Administrative To Revenue 0.39 0.3617 0.3493 Very volatile Capex To Revenue 0.0149 0.0157 0.0501 Slightly volatile Cash Per Share 45.3 72.3643 53.643 Slightly volatile POCF Ratio 14.15 9.8559 16.6881 Pretty Stable Capex To Operating Cash Flow 0.0579 0.061 0.2107 Very volatile EV To Operating Cash Flow 15.82 16.0533 18.1098 Pretty Stable Intangibles To Total Assets 0.0519 0.0383 0.0527 Slightly volatile Current Ratio 0.24 0.1601 0.2292 Slightly volatile Tangible Book Value Per Share 23.44 35.3268 28.1351 Slightly volatile Receivables Turnover 7.97 7.5891 3.2553 Slightly volatile Graham Number 43.89 63.6739 50.234 Slightly volatile Shareholders Equity Per Share 35.86 53.8167 44.042 Slightly volatile Debt To Equity 0.64 0.5113 0.5393 Slightly volatile Capex Per Share 0.26 0.2707 0.5475 Slightly volatile Revenue Per Share 10.03 17.2939 12.1572 Slightly volatile Interest Debt Per Share 22.6 37.6189 25.5752 Slightly volatile Debt To Assets 0.0842 0.057 0.0722 Very volatile Short Term Coverage Ratios 3.36 5.28 3.8472 Slightly volatile Operating Cycle 45.69 48.0953 179 Slightly volatile Price Book Value Ratio 0.61 0.8131 0.7246 Slightly volatile Price To Operating Cash Flows Ratio 14.15 9.8559 16.6881 Pretty Stable Ebt Per Ebit 0.82 0.93 1.0121 Slightly volatile Effective Tax Rate 0.26 0.2007 0.2438 Slightly volatile Company Equity Multiplier 6.13 8.9685 7.2671 Slightly volatile Long Term Debt To Capitalization 0.23 0.3383 0.2539 Slightly volatile Total Debt To Capitalization 0.29 0.3383 0.3296 Slightly volatile Debt Equity Ratio 0.64 0.5113 0.5393 Slightly volatile Quick Ratio 0.24 0.1601 0.2292 Slightly volatile Dividend Paid And Capex Coverage Ratio 2.79 2.2458 2.8138 Slightly volatile Net Income Per E B T 0.61 0.7993 0.748 Pretty Stable Cash Ratio 0.0357 0.0609 0.0435 Slightly volatile Cash Conversion Cycle 45.69 48.0953 179 Slightly volatile Operating Cash Flow Sales Ratio 0.36 0.2567 0.3413 Slightly volatile Days Of Sales Outstanding 45.69 48.0953 179 Slightly volatile Cash Flow Coverage Ratios 0.19 0.1614 0.198 Slightly volatile Price To Book Ratio 0.61 0.8131 0.7246 Slightly volatile Fixed Asset Turnover 6.78 8.9074 8.2668 Slightly volatile Capital Expenditure Coverage Ratio 17.22 16.4016 9.6352 Slightly volatile Price Cash Flow Ratio 14.15 9.8559 16.6881 Pretty Stable Debt Ratio 0.0842 0.057 0.0722 Very volatile Cash Flow To Debt Ratio 0.19 0.1614 0.198 Slightly volatile Price Sales Ratio 3.0 2.5304 2.7357 Pretty Stable Asset Turnover 0.0405 0.0358 0.0372 Very volatile Price Fair Value 0.61 0.8131 0.7246 Slightly volatile
Citizens Financial Valuation Data		Trends
Current Value Last Year Historical Average  10 Year Trend Market Cap 13.1 B 19.7 B 15.9 B Slightly volatile Enterprise Value 18.7 B 32.1 B 22 B Pretty Stable

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When determining whether Citizens Financial Group, is a strong investment it is important to analyze Citizens Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Citizens Financial's future performance. For an informed investment choice regarding Citizens Stock, refer to the following important reports:

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Please note, there is a significant difference between Citizens Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Citizens Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Citizens Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.