CFGCITIZENS FINANCIAL GROUP INC/RI
State Commercial Banks
- Revenue
- $1.6B
- 6.7% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- $26.9B
- Employees
- 17,398
- $94K revenue each
- Net debt / EBITDA
- —
- $12.9B net debt
- AI in 10-K
- 0.4
- mentions per 10K words
Takeover score 2 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo121% of net incomeCash flow under 80% of net income
- Dilutive SBCNo7% of revenueOver 10% of revenue
- Payouts exceed cash flowNo61% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo4% of assetsOver 40% of assets
- Shareholder dissentNo91% lowest supportAny vote under 80% support
Buyer economics 1 of 4
- Low revenue per employeeNo$94K · 58th pctBottom quartile of its SIC industry
- Quiet on AIYes0.4 per 10K words · 20th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedNo$26.9B market capMarket cap $500M–$5B
Catalysts 1 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingYes−$10M netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $1.3B | $1.3B | $1.3B | $1.5B | $1.6B | 6.7% |
| Net income | $2.3B | $2.1B | $1.6B | $1.5B | $1.8B | 21% |
| Operating cash flow | $2.3B | $4.1B | $3.0B | $2.0B | $2.2B | 10% |
| Stock-based comp | $59M | $84M | $87M | $97M | $120M | 24% |
| Buybacks | $295M | $153M | $906M | $1.1B | $600M | 43% |
| Dividends | $670M | $779M | $808M | $769M | $755M | 1.8% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $10M · 3
- Net
- −$10M
Pay vs performance
No pay-versus-performance disclosure yet.