Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Citizens Financial Group, Inc.'s quarterly P/E stands at 13.0x, down 1.1% year-over-year. EV/EBITDA has expanded 8.6% YoY to 8.9x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 17.38 | 13.04 | 12.66 | 12.16 | 13.30 | 13.18 | 13.51 | 11.55 | 13.75 | 24.37 | 7.88 | 7.09 | 7.59 |
| — | -1.1% | -6.3% | +5.3% | -3.2% | -45.9% | +71.4% | +62.9% | +81.0% | +209.5% | +12.9% | -46.8% | -37.7% | |
| P/S Ratio | 2.62 | 2.95 | 1.87 | 1.62 | 1.56 | 1.61 | 1.50 | 1.32 | 1.35 | 1.22 | 1.02 | 1.03 | 1.28 |
| — | +83.3% | +24.7% | +23.4% | +16.2% | +31.7% | +47.0% | +27.5% | +4.9% | -30.2% | -40.6% | -51.0% | -54.4% | |
| P/B Ratio | 1.11 | 0.97 | 0.90 | 0.77 | 0.73 | 0.80 | 0.74 | 0.69 | 0.71 | 0.64 | 0.55 | 0.53 | 0.61 |
| — | +20.4% | +20.9% | +12.3% | +2.9% | +25.9% | +34.3% | +29.6% | +15.7% | -22.6% | -25.3% | -26.5% | -29.8% | |
| P/FCF | 14.34 | — | 3.48 | 5.73 | — | 11.19 | 48.12 | 5.12 | 7.73 | 6.24 | 3.21 | 37.78 | 3.36 |
| — | — | -92.8% | +11.9% | — | +79.4% | +1396.8% | -86.5% | +130.2% | +86.2% | +119.3% | — | +4.9% | |
| EV / EBITDA | 10.31 | 8.86 | 7.17 | 8.51 | 7.70 | 8.16 | 8.71 | 6.90 | 8.77 | 13.18 | 5.40 | 5.49 | 8.44 |
| — | +8.6% | -17.7% | +23.3% | -12.1% | -38.1% | +61.4% | +25.8% | +3.9% | +103.0% | -20.0% | -43.8% | +39.9% | |
| EV / EBIT | 11.93 | 8.86 | 8.53 | 10.42 | 9.72 | 10.15 | 11.10 | 8.96 | 10.84 | 21.29 | 6.60 | 6.49 | 9.94 |
| — | -12.7% | -23.2% | +16.2% | -10.3% | -52.3% | +68.3% | +38.0% | +9.1% | +187.2% | -14.9% | -56.9% | +46.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Citizens Financial Group, Inc.'s operating margin was 31.4% in Q4 2025, up 11.0 pp QoQ and up 14.6 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 21.6% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 66.8% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.8% | 100.0% | 63.6% | 62.3% | 61.5% | 59.9% | 56.3% | 56.9% | 57.2% | 57.2% | 59.7% | 63.2% | 67.9% |
| — | +66.8% | +12.9% | +9.5% | +7.6% | +4.8% | -5.6% | -9.9% | -15.8% | -24.0% | -27.9% | -24.7% | -29.3% | |
| Operating Margin | 20.9% | 31.4% | 20.4% | 18.4% | 16.2% | 16.8% | 15.3% | 15.4% | 13.8% | 6.5% | 17.8% | 20.2% | 23.0% |
| — | +87.0% | +33.2% | +19.9% | +17.5% | +160.1% | -14.0% | -23.8% | -40.2% | -78.3% | -45.7% | -11.9% | -26.6% | |
| Net Margin | 16.4% | 24.5% | 16.0% | 14.5% | 12.9% | 13.3% | 12.4% | 12.5% | 10.7% | 6.0% | 13.9% | 15.7% | 17.7% |
| — | +84.7% | +28.7% | +15.6% | +20.6% | +122.7% | -10.8% | -20.3% | -39.7% | -74.6% | -45.7% | -9.7% | -27.9% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.2% | 2.0% | 1.9% | 1.7% | 1.5% | 1.6% | 1.6% | 1.6% | 1.4% | 0.8% | 1.9% | 2.0% | 2.1% |
| — | +24.2% | +23.6% | +5.7% | +9.4% | +103.7% | -15.4% | -17.7% | -34.9% | -71.3% | -30.9% | +27.5% | +15.6% | |
| ROA | 0.8% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% |
| — | +28.2% | +28.9% | +11.7% | +12.8% | +117.0% | -9.4% | -17.1% | -33.7% | -70.8% | -31.9% | +23.5% | +3.1% | |
| ROIC | 4.7% | 1.4% | 1.3% | 1.1% | 1.0% | 1.0% | 0.9% | 1.0% | 0.8% | 0.4% | 1.0% | 1.1% | 1.2% |
| — | +35.9% | +36.3% | +14.4% | +11.9% | +158.4% | -10.5% | -12.8% | -28.6% | -75.1% | -29.9% | +9.0% | -13.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Citizens Financial Group, Inc.'s Debt/EBITDA ratio is 16.7x, up from 14.2x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 311.0% YoY to 1.04x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.43 | 0.41 | 0.51 | 0.50 | 0.51 | 0.56 | 0.55 | 0.58 | 0.57 | 0.77 | 0.64 | 0.82 |
| — | -16.2% | -26.3% | -7.6% | -14.8% | -10.9% | -27.2% | -14.9% | -29.2% | -14.4% | +7.5% | -13.9% | +206.2% | |
| Debt / EBITDA | 4.19 | 16.66 | 14.24 | 18.84 | 20.84 | 19.62 | 23.30 | 21.00 | 25.96 | 42.21 | 26.21 | 20.99 | 25.41 |
| — | -15.1% | -38.9% | -10.3% | -19.8% | -53.5% | -11.1% | +0.0% | +2.2% | +151.0% | +47.9% | -14.9% | +158.9% | |
| Current Ratio | 1.04 | 1.04 | 0.26 | 0.25 | 0.26 | 0.25 | 0.25 | 0.25 | 0.24 | 0.24 | 0.23 | 0.20 | 0.19 |
| — | +311.0% | +4.7% | -1.5% | +6.3% | +5.4% | +7.1% | +22.8% | +30.5% | +20.8% | +25.7% | +12.4% | -19.3% | |
| Quick Ratio | 1.04 | 1.04 | 0.26 | 0.25 | 0.26 | 0.25 | 0.25 | 0.25 | 0.24 | 0.24 | 0.23 | 0.20 | 0.19 |
| — | +311.0% | +4.7% | -1.5% | +6.3% | +5.4% | +7.1% | +22.8% | +30.5% | +20.8% | +25.7% | +12.4% | -19.3% | |
| Interest Coverage | 0.61 | 0.74 | 0.65 | 0.57 | 0.49 | 0.48 | 0.40 | 0.41 | 0.37 | 0.17 | 0.51 | 0.65 | 0.87 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying CFG stock.
Citizens Financial Group, Inc.'s current P/E is 17.4x. The average P/E over the last 4 quarters is 12.8x. 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.