CFG-PH · Ratios · TradingHolo

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Citizens Financial Group, Inc.

NYSE:CFG-PHFinancial Services

——At close · Market cap — · Next earnings Wed 20 Jan

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Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	Trend	YoY
Gross margin	68.9%	101.0%	83.2%	61.8%	57.6%	69.8%	—		—
Operating margin	16.9%	42.6%	29.3%	16.7%	15.3%	20.9%	20.9%		+0.0 pts
Net margin	13.8%	33.2%	22.9%	13.2%	12.2%	16.4%	16.4%		+0.0 pts
EBITDA margin	24.4%	51.6%	35.5%	20.6%	19.3%	24.2%	—		—
Return on equity	4.7%	9.9%	8.8%	6.6%	6.2%	7.0%	7.0%		+0.0 pts
Return on assets	0.6%	1.2%	0.9%	0.7%	0.7%	0.8%	0.8%		+0.0 pts
Return on capital employed	3.6%	8.8%	5.8%	4.6%	4.6%	5.4%	—		—
Debt / equity	0.4×	0.3×	0.7×	0.6×	0.5×	0.4×	0.4×		+0.0%
Debt / assets	4.7%	3.7%	7.0%	6.3%	5.7%	5.0%	—		—
Interest coverage	1.7×	8.8×	2.5×	0.5×	0.4×	0.6×	—		—
Current ratio	0.3×	0.2×	0.2×	0.2×	0.3×	1.0×	1.0×		+0.0%
Quick ratio	0.3×	0.2×	0.2×	0.2×	0.3×	1.0×	—		—
Cash ratio	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×		+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.0×	—		—
Receivables turnover	4.0×	4.5×	6.2×	10.6×	12.0×	0.1×	—		—
Dividend payout	72.8%	33.8%	43.0%	57.7%	59.8%	48.5%	—		—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.