US: CIWV - Citizens Financial Corp

Yield per half year: +23.47%
Dividend yield: +4.05%
Sector: Financials

Reporting Citizens Financial Corp

Capitalization

IFRS
Reporting Annual Quarterly
2002 2003 2004 2005 2006 2007 2008 2009 2014 2015 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Капитализация, млрд $
0.0607 0.0739 0.0819 0.0911 0.0566 0.0291 0.0179 0.0136 0.0338 0.0359 0.0261 4.29
Выручка, млрд $
0.0107 0.0107 0.0103 0.0157 0.018 0.0187 0.0227 0.0205 0.0259 0.0259 0.0212 7.55
Чистая прибыль, млрд $
0.000916 0.0021 0.0015 0.0031 0.0043 0.0058 0.0065 0.0062 0.0075 0.0075 0.0061 11.77
EV, млрд $
0.0738 0.0444 0.0435 0.0017 -0.0301 0.0338 0.0225 0.0143 -12.35
EBIT, млрд $
0.003 0.003 0.0013 0.001 0.003 0.0021 -0.0014 -0.000732 -0.0015 0.008 0.0013 30.67
EBITDA, млрд $
0.0035 0.0016 0.0014 -0.000758 -0.000644 0.00072 -0.000779 -0.000204 -0.000707 0.0087 0.0015 64.60
Баланс стоимость, млрд $
0.0208 0.0222 0.0228 0.0288 0.0319 0.0364 0.0363 0.0432 0.0514 0.0514 0.0398 10.01
FCF, млрд $
0.0025 0.0028 0.003 0.0012 0.0016 0.0033 0.0042 0.0059 0.0028 0.0058 0.0044 11.94
Операционный денежный поток, млрд $
0.003 0.0031 0.0031 0.0017 0.0018 0.0046 0.0045 0.0064 0.0072 0.0076 0.0061 10.56
Операционная прибыль, млрд $
0.0013 0.001 0.0037 0.0028 0.0062 0.0075 0.0089 0.0101 0.0117 0.0117 0.0089 13.54
Операционные расходы, млрд $
-0.0097 0.0077 0.0082 0.0033 0.0038 0.0035 0.0044 0.0104 0.0142 0.0142 0.0073 30.17
CAPEX, млрд $
0.000446 0.000235 0.000183 0.000423 0.000194 0.0013 0.000246 0.000501 0.0043 0.0018 0.0016 6.72


Balance sheet

IFRS
Reporting Annual Quarterly
2003 2004 2005 2006 2007 2008 2014 2015 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд $
0.0061 0.0071 0.0134 0.0249 0.0116 -0.0035 0.0361 0.0983 0.0291 0.0112 0.0342 -226.19
Short Term Investments $
0.0307 0.0307 0.00
Long term investments $
0.226 0.0574 0.0809 0.03 0.0283 0.0012 0.0468 0.0359 0.041 0.0306 7.70
Total Receivables $
0.0011 0.0011 0.0013 0.0014 0.0014 0.0014 0.0011 0.0012 0.0017 0.0023 0.0015 10.44
Total Current Assets $
0.0075 0.0084 0.0148 0.0249 0.0116 0.0248 0.0396 0.1005 0.0318 0.0261 0.0446 1.03
Чистые активы, млрд $
0.0043 0.0043 0.0041 0.0025 0.0025 0.006 0.0079 0.006 0.0050 19.14
Активы, млрд $
0.2825 0.2208 0.2237 0.285 0.3219 0.4946 0.591 0.6519 0.6667 0.6667 0.5452 15.68
Short Term Debt $
0.0225 0.0205 0.0198 0.0197 0.0315 0.007 0.0062 0.0212 0.0166 0.0065 0.0115 -1.47
Long Term Debt $
0.0035 0.0027 0.0075 0.00056 0.000366 0.0029 -36.34
Задолженность, млрд $
0.2617 0.00056 0.000366 0.2562 0.29 0.4582 0.5548 0.6087 0.6154 0.6154 0.5054 16.24
Чистый долг, млрд $
0.0173 0.0153 0.026 -0.0243 -0.0113 0.017 -0.024 -0.0645 0.0019 -0.0112 -0.0162 -191.99
Долг, млрд $
0.0233 0.0224 0.039 0.0121 0.0338 0.031 0.026 0.0284 -7.79
Interest income $
0.014 0.0151 0.0191 0.0283 0.0191 19.24
Расходы на обслуживание долга $
0.0059 0.0068 0.0064 0.000209 0.0017 0.0012 0.0027 0.0104 0.0156 0.0156 0.0063 55.79
Чист. проц. доходы, млрд $
0.0123 0.0139 0.0164 0.0179 0.0151 9.83
Goodwill $
0.000549 0.000549 0.000549 0.000549 0.0028 0.0028 0.0028 0.0019 38.52
Амортизация, млрд $
0.00042 0.000344 0.000368 -0.0037 -0.0028 0.00072 0.00058 0.000528 0.000832 0.000651 0.0007 -1.99
Себестоимость, млрд $
0.0049 -0.001 0.0019 -145.18
Товарно материальные запасы $
-0.0075 -0.0084 -0.0148 0.0045 0.003 -0.0372 -0.0995 -0.0308 0.0135 -0.0302 35.10


Share

IFRS
Reporting Annual Quarterly
2003 2004 2005 2006 2007 2008 2009 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 0.877 1.1 1.13 1.13 2.43 3.27 3.7 3.51 4.22 4.22 3.43 11.67
Цена акции ао 11.21 12.9 15.39 14.61 17.31 19.3 20.19 24.25 27.75 27.75 21.76 9.90
Число акций ао, млн 1.85 1.83 1.83 1.83 1.77 1.77 1.75 1.78 1.79 1.79 1.77 0.22
FCF/акцию 1.23 1.13 1.48 1.36 1.54 1.62 2.38 3.31 1.62 3.24 2.43 14.87


Efficiency

IFRS
Reporting Annual Quarterly
2001 2002 2003 2004 2005 2006 2007 2008 2014 2015 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 4.4 9.43 6.38 10.77 13.5 15.91 18.03 15.71 15.96 15.96 15.82 3.40
ROA, % 0.3244 0.9492 0.6496 1.09 1.34 1.17 1.11 1 1.14 1.14 1.15 -3.18
ROIC, % 7.19 4.4 2.76 12.53 10.27 11.88 8.37 21.98
ROS, % 19.58 14.12 19.7 23.99 30.94 28.79 30.38 29.14 29.14 29.14 29.68 -1.19
ROCE, % 6.02 4.81 1.35 0.9531 -4.26 -2.01 -4.24 2.03 0 0 -1.5054 16.32
Ebit margin, % 28.56 37.91 35.24 39.18 0 0 35.22 8.22
Рентаб EBITDA, % 12.81 -7.08 -6.25 4.58 -4.34 -1.09 -3.11 42.35 0 0 7.68 56.03
Чистая рентаб, % 8.56 19.58 14.12 19.7 23.99 30.94 28.79 30.38 29.14 29.14 28.65 3.97
Operation Margin, % 9.37 34.87 26.94 34.47 40.05 39.36 49.41 45.34 45.34 45.34 43.90 2.51
Доходность FCF, % 3.11 2.91 3.15 2.6 3.02 4.44 9.7 16.53 8.38 11.11 10.03 20.13


Coefficients

IFRS
Reporting Annual Quarterly
2004 2005 2006 2007 2008 2014 2015 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
44.49 27.1 28.12 19.52 5.97 5.93 5.16 5.41 5.74 5.74 5.64 -0.78
P/BV
4.64 2.79 1.38 0.8584 0.8063 0.944 0.9307 0.7822 0.8437 0.8437 0.8614 0.91
P/S
8.77 5.08 2.64 1.67 1.43 1.84 1.49 1.64 1.67 1.67 1.61 3.15
P/FCF
38.44 33.14 22.54 10.31 6.05 11.93 9 0 0 0 11.97 -16.77
E/P
0.0202 0.0225 0.0369 0.0356 0.0512 0.1937 0.174 0 0 0 0.0983 36.37
EV/EBIT
0.3358 -4.25 4.22 2.8 0 0 0 0.7764 69.93
EV/EBITDA
21.32 27.52 31.71 0.3017 -3.95 3.82 2.59 6.89 -39.41
EV/S
6.63 4.03 4.06 0.0959 -1.61 1.49 1.1 0 0 0 1.03 -22.99
EV/FCF
29.41 15.74 14.7 0.4075 -5.14 11.93 3.91 0 0 0 5.16 -23.27
Debt/EBITDA
6.74 13.87 28.42 2.12 4.43 3.51 2.99 0 0 0 8.29 -36.26
Netdebt/Ebitda
32.08 17.49 23.66 30.81 316.71 -2.73 -1.29 0 0 0 73.43 -155.89
Debt/Ratio
0.0961 0.0907 0.138 0.0377 0.0684 0.0525 0.0399 0 0 0 0.0673 -21.98
Debt/Equity
1.15 1.06 1.87 0.3799 0.9288 0.8558 0.6023 0 11.98 11.98 2.95 99.41
Debt/Net Income
11.19 21.64 42.54 2.81 5.84 4.75 4.16 0 0 0 12.02 -37.19
PEG
2.53 2.53 2.53 0.00
Бета
1.55 -0.4059 -0.4059 0.5721 -151.17
Индекс Альтмана
0.5348 0.3806 0.2292 1.99 0 0.0829 0.0829 0.6435 -31.12


Dividends

IFRS
Reporting Annual Quarterly
2006 2007 2008 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.001 0.000878 0.000732 0.000327 0.000614 0.0011 0.0011 0.0012 0.0014 0.0015 0.0013 6.40
Дивиденд
0.3196 0.3992 0.48 0.6 0.61 0.68 0.8 0.84 0.91 0.91 0.7680 8.33
Див доход, ао, %
3.01 3.56 3.72 3.9 4.17 3.93 4.15 4.15 3.63 4.05 4.01 -2.74
Дивиденды / прибыль, %
50.24 84.94 79.85 15.59 42.23 34.5 25.18 20.86 21.75 23.39 25.14 -7.48


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