Citizens Financial Group Ratios and Metrics

Market cap in millions BRL. Fiscal year is January - December.

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Feb '26 Feb 11, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	2020 - 2016
Market Capitalization	130,002	138,175	119,276	74,971	102,504	112,203	Upgrade
Market Cap Growth	16.22%	15.85%	59.10%	-26.86%	-8.64%	41.47%	Upgrade
Last Close Price	348.25	322.84	263.62	149.83	188.27	234.10	Upgrade
PE Ratio	13.98	14.86	14.06	10.36	9.89	9.13	Upgrade
PS Ratio	3.09	3.28	2.71	2.05	2.57	2.85	Upgrade
PB Ratio	0.90	0.95	0.80	0.64	0.82	0.86	Upgrade
P/FCF Ratio	11.59	12.32	10.26	5.54	4.86	9.36	Upgrade
P/OCF Ratio	10.68	11.35	9.64	5.22	4.71	8.85	Upgrade
Debt / Equity Ratio	0.50	0.50	0.60	0.68	0.80	0.34	Upgrade
Debt / FCF Ratio	6.43	6.43	7.76	5.92	4.72	3.72	Upgrade
Net Debt / Equity Ratio	-0.05	-0.05	0.12	0.17	0.30	-0.11	Upgrade
Net Debt / FCF Ratio	-0.63	-0.63	1.56	1.45	1.80	-1.25	Upgrade
Return on Equity (ROE)	7.24%	7.24%	6.21%	6.70%	8.80%	10.06%	Upgrade
Return on Assets (ROA)	0.83%	0.83%	0.69%	0.72%	1.00%	1.25%	Upgrade
Earnings Yield	7.15%	7.30%	7.83%	10.41%	10.69%	11.52%	Upgrade
FCF Yield	8.63%	8.12%	9.74%	18.05%	20.59%	10.68%	Upgrade
Dividend Yield	1.84%	2.93%	3.94%	5.44%	4.55%	3.71%	Upgrade
Payout Ratio	30.11%	48.50%	59.84%	57.71%	43.03%	33.77%	Upgrade
Buyback Yield / Dilution	3.67%	3.67%	4.86%	0.23%	-11.78%	0.17%	Upgrade
Total Shareholder Return	5.50%	6.60%	8.80%	5.67%	-7.23%	3.88%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.