Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 6.61 | 5.61 | 5.88 | 6.30 | 7.05 | 8.39 | 7.83 | 8.89 | 8.48 | — | — | — | — | — | — | — | — | — | — | — | — |
| — | -33.1% | -24.9% | -29.1% | -16.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 1.07 | 0.90 | 1.33 | 0.93 | 0.94 | 0.99 | 0.96 | 0.99 | 0.97 | — | — | — | — | — | — | — | — | — | — | — | — |
| — | -8.6% | +39.2% | -5.7% | -2.6% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/B Ratio | 0.42 | 0.42 | 0.44 | 0.45 | 0.45 | 0.46 | 0.48 | 0.49 | 0.51 | — | — | — | — | — | — | — | — | — | — | — | — |
| — | -9.3% | -8.6% | -8.5% | -11.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/FCF | 5.87 | 11.50 | — | 1.73 | 3.32 | — | 6.65 | 31.66 | 3.75 | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | -94.5% | -11.6% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 3.90 | 3.57 | 3.18 | 3.29 | 5.48 | 4.87 | 5.04 | 6.07 | 5.15 | — | — | — | — | — | — | — | — | — | — | — | — |
| — | -26.7% | -36.9% | -45.9% | +6.5% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBIT | 4.52 | 4.19 | 3.70 | 3.91 | 6.71 | 6.15 | 6.27 | 7.74 | 6.68 | — | — | — | — | — | — | — | — | — | — | — | — |
| — | -31.9% | -40.9% | -49.5% | +0.4% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.8% | 67.0% | 100.0% | 63.6% | 62.3% | 61.5% | 59.9% | 56.3% | 56.9% | 57.2% | 57.2% | 59.7% | 63.2% | 67.9% | 75.3% | 82.8% | 83.9% | 96.0% | 97.2% | 97.5% | 107.4% |
| — | +8.9% | +66.8% | +12.9% | +9.5% | +7.6% | +4.8% | -5.6% | -9.9% | -15.8% | -24.0% | -27.9% | -24.7% | -29.3% | -22.5% | -15.1% | -21.9% | -6.2% | +12.1% | +38.3% | +62.1% | |
| Operating Margin | 20.9% | 21.5% | 31.4% | 20.4% | 18.4% | 16.2% | 16.8% | 15.3% | 15.4% | 13.8% | 6.5% | 17.8% | 20.2% | 23.0% | 29.7% | 32.8% | 22.9% | 31.3% | 38.1% | 39.2% | 49.0% |
| — | +32.9% | +87.0% | +33.2% | +19.9% | +17.5% | +160.1% | -14.0% | -23.8% | -40.2% | -78.3% | -45.7% | -11.9% | -26.6% | -22.0% | -16.5% | -53.3% | -29.5% | +21.8% | +102.3% | +209.6% | |
| Net Margin | 16.4% | 17.1% | 24.5% | 16.0% | 14.5% | 12.9% | 13.3% | 12.4% | 12.5% | 10.7% | 6.0% | 13.9% | 15.7% | 17.7% | 23.4% | 25.6% | 17.4% | 24.5% | 29.5% | 30.5% | 38.2% |
| — | +32.7% | +84.7% | +28.7% | +15.6% | +20.6% | +122.7% | -10.8% | -20.3% | -39.7% | -74.6% | -45.7% | -9.7% | -27.9% | -20.6% | -16.0% | -54.4% | -29.4% | +18.2% | +88.0% | +193.0% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.2% | 2.0% | 2.0% | 1.9% | 1.7% | 1.5% | 1.6% | 1.6% | 1.6% | 1.4% | 0.8% | 1.9% | 2.0% | 2.1% | 2.8% | 2.7% | 1.6% | 1.8% | 2.3% | 2.3% | 2.8% |
| — | +29.7% | +24.2% | +23.6% | +5.7% | +9.4% | +103.7% | -15.4% | -17.7% | -34.9% | -71.3% | -30.9% | +27.5% | +15.6% | +23.2% | +17.8% | -44.5% | -31.5% | +12.0% | +62.5% | +147.8% | |
| ROA | 0.8% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% |
| — | +33.6% | +28.2% | +28.9% | +11.7% | +12.8% | +117.0% | -9.4% | -17.1% | -33.7% | -70.8% | -31.9% | +23.5% | +3.1% | +2.4% | -1.1% | -50.1% | -33.1% | +12.3% | +62.9% | +145.3% | |
| ROIC | 4.7% | 1.3% | 1.4% | 1.3% | 1.1% | 1.0% | 1.0% | 0.9% | 1.0% | 0.8% | 0.4% | 1.0% | 1.1% | 1.2% | 1.6% | 1.5% | 1.0% | 1.4% | 1.7% | 1.7% | 2.0% |
| — | +34.8% | +35.9% | +36.3% | +14.4% | +11.9% | +158.4% | -10.5% | -12.8% | -28.6% | -75.1% | -29.9% | +9.0% | -13.5% | -7.2% | -12.0% | -50.0% | -26.8% | +24.3% | +90.9% | +215.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.47 | 0.43 | 0.41 | 0.51 | 0.50 | 0.51 | 0.56 | 0.55 | 0.58 | 0.57 | 0.77 | 0.64 | 0.82 | 0.67 | 0.71 | 0.75 | 0.27 | 0.30 | 0.30 | 0.30 |
| — | -5.0% | -16.2% | -26.3% | -7.6% | -14.8% | -10.9% | -27.2% | -14.9% | -29.2% | -14.4% | +7.5% | -13.9% | +206.2% | +124.2% | +140.8% | +147.3% | -27.6% | -21.0% | -28.7% | -28.3% | |
| Debt / EBITDA | 4.19 | 16.14 | 14.30 | 14.24 | 18.84 | 20.84 | 19.62 | 23.30 | 21.00 | 25.96 | 42.21 | 26.21 | 20.99 | 25.41 | 16.81 | 17.72 | 24.67 | 9.82 | 8.18 | 8.51 | 7.05 |
| — | -22.5% | -27.1% | -38.9% | -10.3% | -19.8% | -53.5% | -11.1% | +0.0% | +2.2% | +151.0% | +47.9% | -14.9% | +158.9% | +105.4% | +108.1% | +250.0% | +9.2% | -30.4% | -56.5% | -68.8% | |
| Current Ratio | 1.04 | 228.33 | 1.04 | 0.26 | 0.25 | 0.26 | 0.25 | 0.25 | 0.25 | 0.24 | 0.24 | 0.23 | 0.20 | 0.19 | 0.20 | 0.19 | 0.18 | 0.23 | 0.24 | 0.26 | 0.26 |
| — | +88431.8% | +311.0% | +4.7% | -1.5% | +6.3% | +5.4% | +7.1% | +22.8% | +30.5% | +20.8% | +25.7% | +12.4% | -19.3% | -15.5% | -29.1% | -29.5% | -14.2% | -6.9% | +8.3% | +15.1% | |
| Quick Ratio | 1.04 | 228.33 | 1.04 | 0.26 | 0.25 | 0.26 | 0.25 | 0.25 | 0.25 | 0.24 | 0.24 | 0.23 | 0.20 | 0.19 | 0.20 | 0.19 | 0.18 | 0.23 | 0.24 | 0.26 | 0.26 |
| — | +88431.8% | +311.0% | +4.7% | -1.5% | +6.3% | +5.4% | +7.1% | +22.8% | +30.5% | +20.8% | +25.7% | +12.4% | -19.3% | -15.5% | -29.1% | -29.5% | -14.2% | -6.9% | +8.3% | +15.1% | |
| Interest Coverage | 0.61 | 0.76 | 0.74 | 0.65 | 0.57 | 0.49 | 0.48 | 0.40 | 0.41 | 0.37 | 0.17 | 0.51 | 0.65 | 0.87 | 1.49 | 2.67 | 3.95 | 8.12 | 9.00 | 8.84 | 9.55 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying CFG-PH stock.
Citizens Financial Group, Inc.'s current P/E is 6.6x. The average P/E over the last 4 quarters is 6.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Citizens Financial Group, Inc.'s current operating margin is 20.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Citizens Financial Group, Inc.'s business trajectory between earnings reports.