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Citizens Financial Group, Inc. CFG-PD NYSE

NYSE • Financial Services • Banks - Regional • US • USD

SharesGrow Score
69/100
3/7 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow

Citizens Financial Group, Inc. (CFG-PD) reported total assets of $226.35B and total liabilities of $200.03B for fiscal year 2025, resulting in total equity of $26.32B.

The company held $49.39B in cash and short-term investments. Total debt stood at $11.28B, with net debt of $-1.45B. The Debt-to-Equity (D/E) ratio was 0.43 (conservative).

Current ratio is 1.04, suggesting adequate short-term liquidity. Interest coverage is 0.6x (weak).

Criteria supported by this page:

  • HEALTH (50/100, Partial) — some metrics are adequate but not all reach ideal thresholds
  • MOAT (69/100) — Total assets $226.35B and equity $26.32B support the company's competitive scale
  • VALUE (100/100) — Debt-to-Equity 0.43 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 69/100 with 3/7 criteria passed.

SharesGrow 7-Criteria Score
69/100
SG Score
View full scorecard →
VALUE
100/100
Price-to-Earnings & upside
→ Valuation
~
FUTURE
55/100
Analyst consensus
→ Forecast
PAST
100/100
→ Income
~
HEALTH
50/100
Debt-to-Equity & liquidity
Proven by this page
~
MOAT
69/100
→ Income
~
GROWTH
40/100
→ Income
INCOME
70/100
→ Income
Citizens Financial Group, Inc. Balance Sheet History
Metric FY2025 FY2024 FY2023 FY2022
Total Assets $226.35B$217.52B$221.96B$226.73B
Total Liabilities $200.03B$193.27B$197.62B$203.04B
Total Debt $11.28B$12.4B$13.97B$15.89B
Cash & Investments $49.39B$43.85B$41.7B$34.59B
Total Stockholders Equity $26.32B$24.25B$24.34B$23.69B
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