Citizens Financial Group 주식 (NYSE: CFG)

Citizens Financial Group (NYSE:CFG) 주식

CITIZENS FINANCIAL GROUP

Citizens Financial Group

Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island. Through the bank, it offers various retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. The company's reportable segments are; Commercial Banking, Consumer Banking, Non-Core, and Others. A majority of its revenue is generated from the Consumer Banking segment, which serves consumer customers and small businesses, offering traditional banking products and services including deposits, mortgage and home equity lending, credit cards, small business loans, education loans, point-of-sale finance loans, and wealth management and investment services.

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트루이스트 증권의 애널리스트들은 24개의 대형은행, 지역은행, 신탁은행과 신용카드 회사에 대한 커버리지를 개시했다. 이들은 향후 2년간 강력한 수익 성장을 예상하며 대출 성장률 개선, 가파른 수익률 곡선, 충분한 자본 확충 등의 요인에 힘입어 연간 12~15%의 수익 증가를 예상하고 있다.

트루이스트: 2025년 수익률 곡선 정상화, 저렴한 가치평가, EPS 성장 속 은행주 상승할 것

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미국 연방준비제도(연준)의 연례 은행 스트레스 테스트는 수요일에 대형 은행들이 경기 침체 시나리오에서 작년보다 더 큰 예상 손실에 직면하고 있지만, 여전히 심각한 경기 침체를 견디고 최소 자본 요건을 유지할 수 있는 좋은 위치에 있음을 보여준다.

2024년 연준 스트레스 테스트: 대형 은행들은 심각한 불황에 큰 손실을 겪지만 강한 자본력 유지(정정)

Citizens Financial Group, Inc. Common Stock

Citizens Financial Group Inc

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Community Financial Group Inc (Washington) CDT-Cap Stk

CAPITAL FINCL GLOBAL INC by Capital Financial Global, Inc.

Capital Financial Global Inc

Citizens Financial Group, Inc. Depositary Shares Each Representing 1/40th Interest in a Share of 5.000% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series E

Citizens Financial Group, Inc. Depositary Shares Each Representing a 1/40th Interest in a Share of 7.375% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series H

Student loan debt in the United States has reached unprecedented levels, with borrowers collectively owing more than $1.77 trillion as of 2025, according to the Education Data Initiative.&nbsp;
As tuition costs continue to rise, many graduates struggle to manage monthly payments which can lead to challenges including delinquency, default and<a href="https://www.benzinga.com/personal-finance/management/25/06/45739976/trump-administration-pauses-social-security-garnishments-over-defaulted-student-loans-department-will-begin-proactive-outreach-to-recipients"> long-term financial insecurity.&nbsp;</a>
One TikTok-er has a "solution."&nbsp;
Read Next: <a href="https://www.benzinga.com/news/space/25/06/45724938/space-stocks-weekly-countdown-rocketlab-gets-analyst-love-while-virgin-galactic-slides-into-june?utm_source=articleShare">Space Stocks Weekly Countdown: RocketLab Gets Analyst Love While Virgin Galactic Slides Into June</a>
The Details: TikTok user @thenormajeane5 recently went viral with <a href="https://www.tiktok.com/@thenormajeane5/video/7509221877844446510?lang=en">a post</a> detailing his unconventional strategy: staying in school indefinitely to keep student loans in deferment and avoid repayment.&nbsp;
<figure class="wp-block-embed is-type-video is-provider-tiktok wp-block-embed-tiktok"> 
<div class="wp-block-embed__wrapper">
<blockquote class="tiktok-embed" cite="https://www.tiktok.com/@thenormajeane5/video/7509221877844446510" data-video-id="7509221877844446510" data-embed-from="oembed" style="max-width:605px; min-width:325px;"> <section> <a target="_blank" title="@thenormajeane5" href="https://www.tiktok.com/@thenormajeane5?refer=embed">@thenormajeane5</a>
For legal purporses this is SATIRE: I'm never going to pay back those student loans. &#8211; don't get me wrong I know it's inevitable and I hope to be in a better place in the future I guess. 
 <a target="_blank" title="♬ Don't Forget About Us - KAYTRANADA Remix - Mariah Carey &#038; KAYTRANADA" href="https://www.tiktok.com/music/Don't-Forget-About-Us-KAYTRANADA-Remix-7489248146356586512?refer=embed">♬ Don&#8217;t Forget About Us &#8211; KAYTRANADA Remix &#8211; Mariah Carey &#038; KAYTRANADA</a> </section> </blockquote>
<script async src="https://www.tiktok.com/embed.js"></script></div>
</figure>
Thenormajeane5, who is currently working toward a doctoral degree, explained that after graduating in about two and a half years, he plans to keep pursuing associate degrees for the rest of his life in order to remain a lifelong student and postpone repayment indefinitely.&nbsp;
The creative approach resonated with thousands online, racking up nearly 500,000 likes and more than 11,000&nbsp; comments.&nbsp;
Many viewers shared similar stories. One commenter said their professor had over $800,000 in student loans and was still enrolled, joking that he'd never pay it back. Another mentioned their grandmother, who kept enrolling in new degrees and was about to graduate with her master's degree.&nbsp;
Others described using employer tuition reimbursement programs to keep taking classes, or simply repeating the deferment strategy for years.&nbsp;
Read Next: <a href="https://www.benzinga.com/analyst-stock-ratings/price-target/25/06/45727360/amazon-analyst-sees-robotics-unlocking-billions-in-savings?utm_source=articleShare">Amazon Analyst Sees Robotics Unlocking Billions In Savings</a>
Other Options: Student loan borrowers have other, perhaps more financially responsible options, including income-driven repayment plans and student loan refinancing.&nbsp;
Borrowers struggling to repay federal student loans can apply for an <a href="https://studentaid.gov/manage-loans/repayment/plans/income-driven#:~:text=An%20income%2Ddriven,0%20per%20month.">income-driven repayment</a> plan which bases monthly student loan payment amounts on income and family size. For some people, payments on an IDR plan can be as low as $0 per month.
Borrowers with private student loans have other options like refinancing in order to achieve lower monthly payments. SoFi Technologies, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>) specializes in student loan refinancing and Citizens Financial Group, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) offers student loan refinancing through Citizens Bank.&nbsp;
Read Next:
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/news/management/25/05/45675714/can-michael-burrys-nvidia-short-survive-the-stocks-stunning-comeback?utm_source=articleShare">Can Michael Burry&#8217;s Nvidia Short Survive The Stock&#8217;s Stunning Comeback?</a></li>
</ul>
Image: Shutterstock

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The Viral Student Loan Solution People Can't Stop Talking About

Citizens Financial Group, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) today announced the redemption on July 3, 2025, of all of its outstanding 4.35% Fixed-Rate Subordinated Notes due August 1, 2025 (CUSIP No. 174610AJ4) (the "Notes"). The redemption price for the Notes will be equal to 100% of principal amount of the Notes redeemed, plus any accrued and unpaid interest to, but excluding, the redemption date of July 3, 2025.
In accordance with the indenture governing the Notes, the holders of the Notes will receive notice of the redemption, the redemption price and further instructions and details related to the process of such redemption. Payment of the redemption price for the Notes will be made through the facilities of The Depository Trust Company.

Citizens Financial Group To Redeem All Outstanding 4.35% Fixed-Rate Subordinated Notes On July 3, 2025

UBS analyst Erika Najarian maintains Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Buy and raises the price target from $50 to $53.

UBS Maintains Buy on Citizens Financial Group, Raises Price Target to $53

In the latest quarter, 13 analysts provided ratings for Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>), showcasing a mix of bullish and bearish perspectives.
The following table summarizes their recent ratings, shedding light on the changing sentiments within the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">5</td>
<td align="right">2</td>
<td align="right">6</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">4</td>
<td align="right">2</td>
<td align="right">4</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts have set 12-month price targets for Citizens Financial Group, revealing an average target of $47.54, a high estimate of $54.00, and a low estimate of $43.00. This current average has decreased by 10.44% from the previous average price target of $53.08. 
<img src="https://www.benzinga.com/files/images/story/2025/1747828883_0.png" alt="price target chart" />
<h2>Breaking Down Analyst Ratings: A Detailed Examination</h2>
A clear picture of Citizens Financial Group's perception among financial experts is painted with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>David Chiaverini</td>
<td>Jefferies</td>
<td>Announces</td>
<td>Buy</td>
<td>$50.00</td>
<td>-</td>
</tr>
<tr>
<td>Peter Winter</td>
<td>DA Davidson</td>
<td>Lowers</td>
<td>Buy</td>
<td>$49.00</td>
<td>$53.00</td>
</tr>
<tr>
<td>Ryan Merkel</td>
<td>Goldman Sachs</td>
<td>Lowers</td>
<td>Buy</td>
<td>$48.00</td>
<td>$55.00</td>
</tr>
<tr>
<td>David Long</td>
<td>Raymond James</td>
<td>Lowers</td>
<td>Strong Buy</td>
<td>$48.00</td>
<td>$58.00</td>
</tr>
<tr>
<td>Scott Siefers</td>
<td>Piper Sandler</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$43.00</td>
<td>$48.00</td>
</tr>
<tr>
<td>Gerard Cassidy</td>
<td>RBC Capital</td>
<td>Lowers</td>
<td>Outperform</td>
<td>$44.00</td>
<td>$50.00</td>
</tr>
<tr>
<td>Jason Goldberg</td>
<td>Barclays</td>
<td>Lowers</td>
<td>Equal-Weight</td>
<td>$49.00</td>
<td>$52.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Lowers</td>
<td>Hold</td>
<td>$43.00</td>
<td>$51.00</td>
</tr>
<tr>
<td>David Konrad</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Lowers</td>
<td>Market Perform</td>
<td>$45.00</td>
<td>$49.00</td>
</tr>
<tr>
<td>Vivek Juneja</td>
<td>JP Morgan</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$43.00</td>
<td>$49.00</td>
</tr>
<tr>
<td>Keith Horowitz</td>
<td>Citigroup</td>
<td>Lowers</td>
<td>Buy</td>
<td>$51.00</td>
<td>$58.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Lowers</td>
<td>Hold</td>
<td>$51.00</td>
<td>$54.00</td>
</tr>
<tr>
<td>Manan Gosalia</td>
<td>Morgan Stanley</td>
<td>Lowers</td>
<td>Equal-Weight</td>
<td>$54.00</td>
<td>$60.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Citizens Financial Group. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Citizens Financial Group compared to the broader market.</li>
<li>Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of Citizens Financial Group's stock. This examination reveals shifts in analysts' expectations over time.</li>
</ul>
Understanding these analyst evaluations alongside key financial indicators can offer valuable insights into Citizens Financial Group's market standing. Stay informed and make well-considered decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/CFG/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on Citizens Financial Group analyst ratings.</a>
<h2>Unveiling the Story Behind Citizens Financial Group</h2>
Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island. Through the bank, it offers various retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. The company's reportable segments are; Commercial Banking, Consumer Banking, Non-Core, and Others. A majority of its revenue is generated from the Consumer Banking segment, which serves consumer customers and small businesses, offering traditional banking products and services including deposits, mortgage and home equity lending, credit cards, small business loans, education loans, point-of-sale finance loans, and wealth management and investment services.
<h3>Citizens Financial Group: Delving into Financials</h3>
Market Capitalization Analysis: The company's market capitalization surpasses industry averages, showcasing a dominant size relative to peers and suggesting a strong market position.
Negative Revenue Trend: Examining Citizens Financial Group's financials over 3M reveals challenges. As of 31 March, 2025, the company experienced a decline of approximately -1.23% in revenue growth, reflecting a decrease in top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.
Net Margin: The company's net margin is below industry benchmarks, signaling potential difficulties in achieving strong profitability. With a net margin of 17.57%, the company may need to address challenges in effective cost control.
Return on Equity (ROE): Citizens Financial Group's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of 1.51%, the company may face hurdles in achieving optimal financial returns.
Return on Assets (ROA): Citizens Financial Group's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of 0.16%, the company may face hurdles in achieving optimal financial returns.
Debt Management: With a high debt-to-equity ratio of 0.54, Citizens Financial Group faces challenges in effectively managing its debt levels, indicating potential financial strain.
<h2>The Core of Analyst Ratings: What Every Investor Should Know</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Some analysts also offer predictions for helpful metrics such as earnings, revenue, and growth estimates to provide further guidance as to what to do with certain tickers. It is important to keep in mind that while stock and sector analysts are specialists, they are also human and can only forecast their beliefs to traders.
Breaking: Wall Street's Next Big Mover
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Citizens Financial Group Stock: A Deep Dive Into Analyst Perspectives (13 Ratings)

Jefferies analyst David Chiaverini initiates coverage on Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Buy rating and announces Price Target of $50.

Jefferies Initiates Coverage On Citizens Financial Group with Buy Rating, Announces Price Target of $50

In the current market session, Citizens Financial Group Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) stock price is at $41.58, after a 0.57% drop. However, over the past month, the company's stock increased by 16.08%, and in the past year, by 13.70%. Shareholders might be interested in knowing whether the stock is overvalued, even if the company is not performing up to par in the current session. 

<img src="https://www.benzinga.com/files/images/story/2025/1747688421_0.png" alt="Past Year Chart" />

<h3>Citizens Financial Group P/E Ratio Analysis in Relation to Industry Peers</h3>
The P/E ratio is used by long-term shareholders to assess the company's market performance against aggregate market data, historical earnings, and the industry at large. A lower P/E could indicate that shareholders do not expect the stock to perform better in the future or it could mean that the company is undervalued. 
Citizens Financial Group has a better P/E ratio of 13.28 than the aggregate P/E ratio of 12.61 of the Banks industry. Ideally, one might believe that Citizens Financial Group Inc. might perform better in the future than it's industry group, but it's probable that the stock is overvalued. 

<img src="https://www.benzinga.com/files/images/story/2025/1747688421_1.png" alt="Guage" />

In summary, while the price-to-earnings ratio is a valuable tool for investors to evaluate a company's market performance, it should be used with caution. A low P/E ratio can be an indication of undervaluation, but it can also suggest weak growth prospects or financial instability. Moreover, the P/E ratio is just one of many metrics that investors should consider when making investment decisions, and it should be evaluated alongside other financial ratios, industry trends, and qualitative factors. By taking a comprehensive approach to analyzing a company's financial health, investors can make well-informed decisions that are more likely to lead to successful outcomes.

Intraday Update

Price Over Earnings Overview: Citizens Financial Group

WIIM

ARES

SPGI

TROW

Shares of banks and financial services stocks are higher after the US and China agreed to a temporary reduction in most tariffs on each other's goods. A reduction in tariffs could alleviate macro uncertainty in the lending and deal environment.

Shares of banking companies are trading higher amid overall market strength following April's jobs data and reports that China's Commerce Ministry is assessing possible trade talks with the US.

Citizens Financial Group's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) short percent of float has risen 44.2% since its last report. The company recently reported that it has 13.24 million shares sold short, which is 3.98% of all regular shares that are available for trading. Based on its trading volume, it would take traders 1.88 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">List of the most shorted stocks</a>
<h3>Citizens Financial Group Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1746028822_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for Citizens Financial Group has grown since its last report. This does not mean that the stock is going to fall in the near-term but traders should be aware that more shares are being shorted.
<h3>Comparing Citizens Financial Group's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://www.benzinga.com/pro/">Benzinga Pro</a>, Citizens Financial Group's peer group average for short interest as a percentage of float is 4.24%, which means the company has less short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

Short Sellers

Short Ideas

What Does the Market Think About Citizens Financial Group?

BAFN

BBVA

CATY

EWBC

GGAL

HBCP

HSBC

INTR

SMBK

TBBK

Shares of banking companies are trading higher amid Treasury Secretary Scott Bessent's remarks about trade de-escalation with China.

Goldman Sachs analyst Ryan Merkel maintains Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Buy and lowers the price target from $55 to $48.

Goldman Sachs Maintains Buy on Citizens Financial Group, Lowers Price Target to $48

Raymond James analyst David Long reiterates Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Strong Buy and lowers the price target from $58 to $48.

Reiteration

Raymond James Reiterates Strong Buy on Citizens Financial Group, Lowers Price Target to $48

Piper Sandler analyst Scott Siefers maintains Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Overweight and lowers the price target from $48 to $43.

Piper Sandler Maintains Overweight on Citizens Financial Group, Lowers Price Target to $43

DA Davidson analyst Peter Winter maintains Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Buy and lowers the price target from $53 to $49.

DA Davidson Maintains Buy on Citizens Financial Group, Lowers Price Target to $49

RBC Capital analyst Gerard Cassidy maintains Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Outperform and lowers the price target from $50 to $44.

RBC Capital Maintains Outperform on Citizens Financial Group, Lowers Price Target to $44

Barclays analyst Jason Goldberg maintains Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Equal-Weight and lowers the price target from $52 to $49.

Barclays Maintains Equal-Weight on Citizens Financial Group, Lowers Price Target to $49

Truist Securities analyst Brian Foran maintains Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Hold and lowers the price target from $51 to $43.

Truist Securities Maintains Hold on Citizens Financial Group, Lowers Price Target to $43

Keefe, Bruyette &amp; Woods analyst David Konrad maintains Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Market Perform and lowers the price target from $49 to $45.

Keefe, Bruyette & Woods Maintains Market Perform on Citizens Financial Group, Lowers Price Target to $45

FY2025 Commentary
Broadly reaffirm FY2025 guide
If the current macro challenges persist, there could be select risks to the outlook&nbsp;
<ul>
<li>Persistent market volatility could affect business activity and impact performance in Capital Markets&nbsp;</li>
<li>Anticipated loan growth in 2H25 may moderate if uncertainty is prolonged&nbsp;</li>
<li>Increased risk of recession could lead to higher provision; however, assumptions used in building our reserve are conservative</li>
</ul>
We have potential offsets to these risks should they arise – Lower loan growth could facilitate additional share repurchases and lower deposit costs – Managing down expenses and seeking further streamlining of operations/cost transformation

Earnings

Guidance

Citizens Financial Group Expects Q2 FY 2025 Net Interest Income To Increase Around 3% From Q1 2025, And Noninterest Income Up Mid-to-high Single Digits; Uncertainty From the Macro Environment On Capital Markets

Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) reported quarterly earnings of $0.77 per share which beat the analyst consensus estimate of $0.75 by 2.67 percent. The company reported quarterly sales of $1.94 billion which met the analyst consensus estimate. This is a 1.23 percent decrease over sales of $1.96 billion the same period last year.

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Citizens Financial Group

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