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Citizens Financial Group CFG Net debt / EBITDA

Net debt / EBITDA at other companies

First Citizens BancShares logo
First Citizens BancSharesFCNCA
4×-0.5×
JPMorgan Chase logo
JPMorgan ChaseJPM
1.2×+0.9×
M&T Bank logo
M&T BankMTB
1.4×+0.9×
Bank of America logo
Bank of AmericaBAC
0.8×+0.5×
PNC Financial Services logo
PNC Financial ServicesPNC
1.8×+0.6×
Huntington Bancshares logo
Huntington BancsharesHBAN
0.5×+0.1×

Other financials

Income statement

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Revenue$2.2B+12.0%
Net income$517.0M+38.6%
EPS (diluted)$1.13+46.8%

Balance sheet

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Cash & equivalents$12.3B+6.8%
Total debt$12.3B—
Total equity$26.2B+5.3%
Total assets$227.92B+3.5%

Cash flow

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Operating cash flow$237.0M+211%
CapEx--100%
Free cash flow$237.0M+204%

Valuation

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Market cap$28.24B+42.3%
Enterprise value$28.22B+36.3%
P/E14.3×+1.5×
P/S3.3×+0.8×

Profitability

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Net margin23.3%+3.4pp

Returns & leverage

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Return on equity7.7%+1.4pp
Debt / equity0.5×0.0×

Questions, answered.

What does net debt / EBITDA mean?
How many years of operating earnings it would take to pay off the company's net debt.
How do you interpret net debt / EBITDA?
Lower is safer; lenders often covenant around 3–4×. A negative value means net cash (more cash than debt), a position of strength. Spikes can reflect a temporary EBITDA dip rather than new borrowing.
How does net debt / EBITDA compare across companies?
A standard leverage yardstick across non-financial sectors; covenant thresholds vary by industry cash-flow stability.