Citizens Financial Group, Inc. (CFG) Quarterly Earnings Preview

• Citizens Financial Group, Inc. (NYSE:CFG) is expected to release its quarterly earnings on April 16, 2025, with an anticipated EPS of $0.75, marking a 15.4% increase from the previous year.
• The company faces challenges such as a decline in net interest income and non-interest income, along with increased expenses, yet earnings are projected to improve year-over-year.
• CFG's financial metrics reveal a P/E ratio of 10.40, a debt-to-equity ratio of 0.51, and a current ratio of 16.92, indicating moderate debt levels and strong short-term liquidity.

Citizens Financial Group, Inc. (NYSE:CFG) is a leading financial institution in the United States, specializing in a broad spectrum of banking services. Operating predominantly in the retail and commercial banking sectors, CFG offers an array of products including loans, deposits, and wealth management services. The company is positioned alongside major competitors such as JPMorgan Chase and Bank of America.

As the market anticipates the release of CFG's quarterly earnings on April 16, 2025, analysts have set an earnings per share (EPS) estimate of $0.75. This forecast suggests a 15.4% increase from the previous year, despite an expected revenue dip of 0.9% to $1.94 billion. The financial community is closely watching to see if CFG will meet or surpass these projections, which could significantly influence its stock price.

The upcoming earnings report is predicted to highlight a decrease in both net interest income (NII) and non-interest income, alongside a rise in expenses. Despite these hurdles, CFG's earnings are anticipated to show improvement when compared to the same quarter in the previous year. In the preceding quarter, CFG experienced a reduction in NII and a drop in loan and deposit balances but managed to boost non-interest income and cut down on expenses.

Looking at CFG's historical performance, the company has had mixed results, with earnings missing the Zacks Consensus Estimate twice, matching it once, and exceeding it once, leading to an average negative surprise of 3.05%. Over the last 30 days, the consensus EPS estimate has been adjusted downward by 2.4%, reflecting a reassessment of CFG's anticipated performance.

Key financial metrics for CFG include a price-to-earnings (P/E) ratio of 10.40 and a price-to-sales ratio of 2.00. The enterprise value to sales ratio stands at 2.15, while the enterprise value to operating cash flow ratio is 9.14. With a debt-to-equity ratio of 0.51, CFG demonstrates moderate debt levels, and a current ratio of 16.92 underscores its strong capability to cover short-term liabilities.