Citizens Financial (CFG) Ratios
Citizens Financial Ratios
MX:CFG's free cash flow for Q3 2026 was $401.00M. For the 2026 fiscal year, MX:CFG's free cash flow was decreased by $-52.00M and operating cash flow was $453.00M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.04 | 0.25 | 0.24 | 0.20 | 0.24 |
| Quick Ratio | 1.04 | 0.25 | 0.24 | 0.20 | 0.24 |
| Cash Ratio | 0.07 | 0.06 | 0.07 | 0.06 | 0.06 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 |
| Operating Cash Flow Ratio | 0.01 | 0.01 | 0.02 | 0.02 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 38.12 | 1.01 | 5.86 | 1373.00 | 30.74 |
| Net Current Asset Value | $ -8.70B | $ -148.39B | $ -154.77B | $ -167.00B | $ -128.55B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.05 | 0.06 | 0.06 | 0.07 | 0.04 |
| Debt-to-Equity Ratio | 0.43 | 0.51 | 0.57 | 0.67 | 0.30 |
| Debt-to-Capital Ratio | 0.30 | 0.34 | 0.36 | 0.40 | 0.23 |
| Long-Term Debt-to-Capital Ratio | 0.30 | 0.30 | 0.36 | 0.40 | 0.23 |
| Financial Leverage Ratio | 8.60 | 8.97 | 9.12 | 9.57 | 8.04 |
| Debt Service Coverage Ratio | 0.60 | 0.31 | 0.47 | 2.51 | 7.13 |
| Interest Coverage Ratio | 0.61 | 0.41 | 0.51 | 2.53 | 8.78 |
| Debt to Market Cap | 0.45 | 0.63 | 0.89 | 0.85 | 0.35 |
| Interest Debt Per Share | 34.99 | 37.62 | 37.75 | 35.59 | 17.26 |
| Net Debt to EBITDA | -0.51 | 0.49 | 0.77 | 1.57 | -0.69 |
| Profitability Margins | |||||
| Gross Profit Margin | 69.75% | 57.56% | 61.84% | 83.22% | 101.03% |
| EBIT Margin | 20.88% | 15.29% | 16.66% | 29.28% | 42.61% |
| EBITDA Margin | 25.17% | 19.32% | 20.58% | 35.51% | 51.56% |
| Operating Profit Margin | 20.88% | 15.29% | 16.66% | 29.28% | 42.61% |
| Pretax Profit Margin | 20.88% | 15.29% | 16.66% | 29.28% | 42.61% |
| Net Profit Margin | 16.42% | 12.22% | 13.19% | 22.86% | 33.19% |
| Continuous Operations Profit Margin | 16.42% | 12.22% | 13.19% | 22.86% | 33.19% |
| Net Income Per EBT | 78.65% | 79.93% | 79.21% | 78.08% | 77.90% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.81% | 0.69% | 0.72% | 0.91% | 1.23% |
| Return on Equity (ROE) | 6.96% | 6.22% | 6.61% | 8.75% | 9.90% |
| Return on Capital Employed (ROCE) | 5.42% | 4.63% | 4.60% | 5.77% | 8.76% |
| Return on Invested Capital (ROIC) | 4.25% | 3.53% | 3.60% | 4.51% | 6.81% |
| Return on Tangible Assets | 0.84% | 0.72% | 0.75% | 0.95% | 1.28% |
| Earnings Yield | 7.27% | 7.65% | 10.21% | 11.06% | 11.53% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.08 | 12.02 | 10.62 | 6.23 | 4.54 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 12.18 | 14.11 | 13.62 | 10.75 | 9.10 |
| Asset Turnover | 0.05 | 0.06 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.18 | -0.09 | -0.09 | -0.07 | -0.06 |
| Cash Conversion Cycle | 4647.53 | 30.36 | 34.38 | 58.60 | 80.46 |
| Days of Sales Outstanding | 4647.53 | 30.36 | 34.38 | 58.60 | 80.46 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 4647.53 | 30.36 | 34.38 | 58.60 | 80.46 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 5.13 | 4.44 | 6.23 | 8.65 | 5.34 |
| Free Cash Flow Per Share | 4.72 | 4.17 | 5.87 | 8.39 | 5.05 |
| Dividend Paid and CapEx Coverage Ratio | 2.08 | 1.95 | 2.69 | 4.05 | 2.51 |
| Capital Expenditure Coverage Ratio | 12.71 | 16.40 | 17.22 | 32.69 | 18.35 |
| Operating Cash Flow Coverage Ratio | 0.20 | 0.16 | 0.21 | 0.26 | 0.32 |
| Operating Cash Flow to Sales Ratio | 0.20 | 0.16 | 0.24 | 0.45 | 0.33 |
| Free Cash Flow Yield | 8.08% | 9.53% | 17.71% | 21.31% | 10.69% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 14.98 | 13.07 | 9.79 | 9.04 | 8.67 |
| Price-to-Sales (P/S) Ratio | 2.26 | 1.60 | 1.29 | 2.07 | 2.88 |
| Price-to-Book (P/B) Ratio | 0.96 | 0.81 | 0.65 | 0.79 | 0.86 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 12.37 | 10.50 | 5.65 | 4.69 | 9.35 |
| Price-to-Operating Cash Flow Ratio | 11.40 | 9.86 | 5.32 | 4.55 | 8.84 |
| Price-to-Earnings Growth (PEG) Ratio | 0.53 | -4.10 | -0.41 | -0.44 | 0.07 |
| Enterprise Value Multiple | 8.46 | 8.75 | 7.05 | 7.38 | 4.90 |
| Enterprise Value | 23.75B | 20.89B | 17.68B | 23.78B | 17.64B |
| EV to EBITDA | 8.46 | 8.75 | 7.05 | 7.38 | 4.90 |
| EV to Sales | 2.13 | 1.69 | 1.45 | 2.62 | 2.53 |
| EV to Free Cash Flow | 11.66 | 11.12 | 6.34 | 5.96 | 8.20 |
| EV to Operating Cash Flow | 10.74 | 10.44 | 5.97 | 5.77 | 7.76 |
| Tangible Book Value Per Share | 41.76 | 35.33 | 33.67 | 32.19 | 38.15 |
| Shareholders’ Equity Per Share | 61.01 | 53.82 | 51.24 | 49.77 | 55.02 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.21 | 0.20 | 0.21 | 0.22 | 0.22 |
| Revenue Per Share | 25.84 | 27.40 | 25.65 | 19.05 | 16.41 |
| Net Income Per Share | 4.24 | 3.35 | 3.38 | 4.36 | 5.45 |
| Tax Burden | 0.79 | 0.80 | 0.79 | 0.78 | 0.78 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.28 | 0.24 | 0.23 | 0.29 | 0.31 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.21 | 1.33 | 1.84 | 1.99 | 0.98 |
Currency in USD
