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Citizens Financial Group CFG Interest and Fee Income from Mortgages Held-for-Sale

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$12.3B0.0%
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$29.17B+42.3%

Profitability

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Net margin23.3%+3.4pp
FCF margin33.7%+7.3pp

Returns & leverage

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

Questions, answered.

What does interest and fee income from mortgages held-for-sale mean?
This metric captures the interest and fee income derived from mortgage loans that the bank intends to sell in the secondary market rather than hold to maturity. It is a critical component for banks active in mortgage banking and reflects the velocity of mortgage origination and sales.