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Citizens Financial Group, Inc.

Citizens Financial Group, Inc.
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Recent & upcoming events

Oct 30
Ex-dividend Time TBD
Ex-dividend (predicted) $0.46
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Oct 16
Earnings 9:00
Earnings announcement (第3四半期)
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Jul 31
Ex-dividend Time TBD
Ex-dividend (predicted) $0.46
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Jul 16
Earnings 7:00
Q2 earnings
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Jul 15
Earnings 8:00
Earnings announcement (scheduled)
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Apr 16
Earnings Time TBD
Q1 earnings
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Jan 21
Earnings Time TBD
Full-year earnings
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2025
Oct 15
Earnings Time TBD
Q3 earnings
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Jul 17
Earnings Time TBD
Q2 earnings
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Oct 30
Est.
Ex-dividend Time TBD
Ex-dividend (predicted) $0.46
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2027
Apr 26
Est.
Shareholder meeting Time TBD
Annual meeting (est.)
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KPI highlights

FY25
Revenue $8.25B YoY +5.6%
Operating income —
Net income $1.83B YoY +21.3%
EPS $3.90 YoY +27.9%
P/E 15.2× Fair Rough PER guide (a simplified band — fair value varies by industry and growth stage): <10 Cheap / 10–15 Slightly cheap / 15–22 Fair / 22–35 Slightly rich / ≥35 Rich
ROE 7.0% Equity ratio 12% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

Quarterly fundamentals

Income & cash flow Unit: $1M
Quarter FY24 Q4FY25 Q1FY25 Q2FY25 Q3FY25 Q4FY26 Q1
Revenue 1,9761,9352,0372,1182,1572,168
Operating income ——————
Net income 401373436494528517
Operating CF ——7271,544-287104

Company news

Ownership over time

Share of total shares outstanding (disclosed major holdings + undisclosed)（2014–2026）

機関投資家 7.9%未開示 92.1%2014201620182020202220242026
機関投資家 7.9%未開示 92.1%14Q315Q316Q317Q318Q319Q320Q321Q322Q323Q324Q325Q426Q1
機関投資家その他未開示・浮動株

「国内機関」は信託銀行の名義口座（年金・パッシブ・一部海外資本を含む）を集計し、実質保有者へは分解していません。分類は開示名称からの推定です。

Top shareholders — rank & share

GEODE CAPITAL MANA 2.1%GEODE CAPITAL MANAGEMENT, LLCNinety One UK Ltd 1.2%Ninety One UK LtdLSV ASSET MANAGEME 1.1%LSV ASSET MANAGEMENTBank of New York M 0.5%Bank of New York Mellon CorpNEUBERGER BERMAN G 0.3%NEUBERGER BERMAN GROUP LLCImpax Asset Manage 0.2%Impax Asset Management Group plcLOS ANGELES CAPITA 0.2%LOS ANGELES CAPITAL MANAGEMENT LLCGW&K Investment Ma 0.2%GW&K Investment Management, LLCCAUSEWAY CAPITAL M 0.2%CAUSEWAY CAPITAL MANAGEMENT LLC2014201620182020202220242026
GEODE CAPITAL MANA 2.1%GEODE CAPITAL MANAGEMENT, LLCNinety One UK Ltd 1.2%Ninety One UK LtdLSV ASSET MANAGEME 1.1%LSV ASSET MANAGEMENTBank of New York M 0.5%Bank of New York Mellon CorpNEUBERGER BERMAN G 0.3%NEUBERGER BERMAN GROUP LLCImpax Asset Manage 0.2%Impax Asset Management Group plcLOS ANGELES CAPITA 0.2%LOS ANGELES CAPITAL MANAGEMENT LLCGW&K Investment Ma 0.2%GW&K Investment Management, LLCCAUSEWAY CAPITAL M 0.2%CAUSEWAY CAPITAL MANAGEMENT LLC14Q315Q316Q317Q318Q319Q320Q321Q322Q323Q324Q325Q426Q1

Top shareholders — actual figures (as of 2026)

Holder Shares held Ratio Source
GEODE CAPITAL MANAGEMENT, LLC 11,810,470 2.1% 13F
Ninety One UK Ltd 6,768,224 1.2% 13F
LSV ASSET MANAGEMENT 6,060,165 1.1% 13F
Bank of New York Mellon Corp 2,524,511 0.5% 13F
その他機関投資家（13F 103社） 2,402,816 0.4% 13F
NEUBERGER BERMAN GROUP LLC 1,668,240 0.3% 13F
Impax Asset Management Group plc 1,274,383 0.2% 13F
LOS ANGELES CAPITAL MANAGEMENT LLC 1,138,679 0.2% 13F
GW&K Investment Management, LLC 1,050,635 0.2% 13F
CAUSEWAY CAPITAL MANAGEMENT LLC 1,048,526 0.2% 13F
Sumitomo Mitsui Trust Group, Inc. 998,526 0.2% 13F
Russell Investments Group, Ltd. 984,778 0.2% 13F
AEGON ASSET MANAGEMENT UK Plc 957,259 0.2% 13F
BNP PARIBAS FINANCIAL MARKETS 887,068 0.2% 13F
JONES FINANCIAL COMPANIES LLLP 767,341 0.1% 13F
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM 555,907 0.1% 13F
NEW YORK STATE TEACHERS RETIREMENT SYSTEM 393,918 0.1% 13F
DNB Asset Management AS 349,977 0.1% 13F
STRS OHIO 347,367 0.1% 13F
KORNITZER CAPITAL MANAGEMENT INC /KS 341,784 0.1% 13F
Hosking Partners LLP 309,493 0.1% 13F
AMERIPRISE FINANCIAL INC 308,554 0.1% 13F
DANSKE BANK A/S 291,783 0.1% 13F
STRATEGIC VALUE BANK PARTNERS LLC 275,500 0.0% 13F
NEW YORK STATE COMMON RETIREMENT FUND 257,204 0.0% 13F
Ninety One SA (Pty) Ltd 228,743 0.0% 13F

Source：SEC EDGAR（DEF 14A・13D/G・13F）　Classification inferred from disclosed names

F-Score (Piotroski)

Banks, insurers, and other financial institutions are excluded from this score, as their financial structure differs fundamentally from typical operating companies.

Fact checklist

FY25
Equity ratio 11.6%
Current ratio —
Years of positive operating CF 12 of last 12 yrs
Payout ratio 42%
Latest fiscal year result Profit (net income $1.83B)

Performance history

Last 10 years
$0.0B$2.1B$4.1B$6.2B$8.2B FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25

Income & assets

Unit: $1M
Item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Revenue 5,2555,7076,1286,4916,9056,6478,0218,2247,8098,247
Operating income ——————————
Ordinary income ——————————
Net income 1,0451,6521,7211,7911,0572,3192,0731,6081,5091,831
Total assets 149,520152,336160,518165,733183,349188,409226,733221,964217,521226,351
Equity 19,74720,27020,81722,20122,67323,42023,69024,34224,25426,317

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Indicators & cash flow

Unit: $1M
Item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
EPS $1.97$3.26$3.54$3.82$2.22$5.18$4.12$3.14$3.05$3.90
ROE 5.3%8.1%8.3%8.1%4.7%9.9%8.8%6.6%6.2%7.0%
Operating CF 1,4901,8831,7671,6971112,2754,1192,9612,0012,211
Investing CF -11,326-3,984-7,077-3,875-6,136-10,486-12,6375,2482,987-5,967
Financing CF 10,4551,4296,3521,49015,3724,6369,907-7,128-6,0155,882
FCF ————-7.002,1513,9932,7891,8792,037

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Source: SEC EDGAR (10-K, etc.) (fetched 2026-07-12) *Some metrics supplemented from additional sources

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Data provided by Twelve Data