Last 46 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 → | 16.67 | 13.27 | 13.04 | 12.66 | 12.16 | 13.30 | 13.18 | 13.51 | 11.55 | 13.75 | 24.37 | 7.88 | 7.09 | 7.59 | 7.87 | 6.98 | 13.32 | 12.19 | 10.10 | 9.95 | 7.96 |
| — | -0.3% | -1.1% | -6.3% | +5.3% | -3.2% | -45.9% | +71.4% | +62.9% | +81.0% | +209.5% | +12.9% | -46.8% | -37.7% | -22.0% | -29.8% | +67.2% | +51.2% | +11.8% | +7.1% | -33.1% | |
| P/S Ratio | 3.71 | 2.97 | 5.10 | 2.73 | 2.40 | 2.34 | 2.46 | 2.43 | 2.10 | 2.15 | 1.95 | 1.57 | 1.50 | 1.74 | 2.19 | 1.96 | 2.24 | 2.93 | 2.93 | 3.03 | 3.05 |
| — | +27.0% | +106.9% | +12.6% | +14.2% | +9.0% | +26.2% | +54.9% | +40.2% | +23.4% | -10.7% | -20.1% | -33.0% | -40.5% | -25.4% | -35.2% | -26.6% | +2.7% | +30.4% | +100.6% | +97.7% | |
| P/B Ratio | 1.06 | 0.99 | 0.97 | 0.90 | 0.77 | 0.73 | 0.80 | 0.74 | 0.69 | 0.71 | 0.64 | 0.55 | 0.53 | 0.61 | 0.82 | 0.74 | 0.72 | 0.87 | 0.86 | 0.86 | 0.85 |
| — | +35.2% | +20.4% | +20.9% | +12.3% | +2.9% | +25.9% | +34.3% | +29.6% | +15.7% | -22.6% | -25.3% | -26.5% | -29.8% | -4.4% | -13.9% | -14.4% | +4.6% | +27.3% | +78.2% | +75.6% | |
| P/FCF | 13.35 | 27.19 | — | 3.48 | 5.73 | — | 11.19 | 48.12 | 5.12 | 7.73 | 6.24 | 3.21 | 37.78 | 3.36 | 3.35 | 1.47 | — | 3.20 | 4.85 | 4.01 | 8.79 |
| — | — | — | -92.8% | +11.9% | — | +79.4% | +1396.8% | -86.5% | +130.2% | +86.2% | +119.3% | — | +4.9% | -30.9% | -63.4% | — | — | -5.4% | +5.4% | — | |
| EV / EBITDA | 9.56 | 8.44 | 7.60 | 7.17 | 8.51 | 7.70 | 8.16 | 8.71 | 6.90 | 8.77 | 13.18 | 5.40 | 5.49 | 8.44 | 6.49 | 6.75 | 9.76 | 6.03 | 5.17 | 3.99 | 3.41 |
| — | +9.6% | -6.9% | -17.7% | +23.3% | -12.1% | -38.1% | +61.4% | +25.8% | +3.9% | +103.0% | -20.0% | -43.8% | +39.9% | +25.6% | +69.1% | +186.3% | +82.9% | +38.7% | -28.2% | -53.6% | |
| EV / EBIT | 11.06 | 9.91 | 8.86 | 8.53 | 10.42 | 9.72 | 10.15 | 11.10 | 8.96 | 10.84 | 21.29 | 6.60 | 6.49 | 9.94 | 7.41 | 7.76 | 15.08 | 6.79 | 6.47 | 4.79 | 4.09 |
| — | +1.9% | -12.7% | -23.2% | +16.2% | -10.3% | -52.3% | +68.3% | +38.0% | +9.1% | +187.2% | -14.9% | -56.9% | +46.4% | +14.6% | +61.9% | +268.8% | +72.2% | +35.7% | -32.4% | -59.3% |
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 · 46 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 16.7x. 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.