{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "83ee4931-4b27-4d45-8086-e3d3563c4604",
    "symbol": "CFG",
    "name": "Citizens Financial Group, Inc.",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/83ee4931-4b27-4d45-8086-e3d3563c4604/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "83ee4931-4b27-4d45-8086-e3d3563c4604",
      "symbol": "CFG",
      "name": "Citizens Financial Group, Inc.",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "CFG",
    "market_cap": 28607965184.0,
    "market_cap_usd": 27055986649.16,
    "price": 67.650002,
    "currency": "USD",
    "dividend_yield": 0.0277,
    "dividend_years": 12,
    "dividend_growth_5y": 0.01971961,
    "dividend_cut_5y": false,
    "payout_ratio": 0.41709998,
    "net_income": 1831000000.0,
    "free_cash_flow": 2037000000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.42869628,
    "revenue_growth_5y": 0.07748789,
    "net_margin": 0.25048,
    "roe": 0.07739,
    "pe_ratio": 16.030807,
    "price_vs_ma": 0.1171373,
    "return_3y": 2.01635673,
    "return_5y": 0.75955282,
    "max_drawdown": -0.56188392,
    "scores": {
      "dividend_reliability": 25.0,
      "dividend_sustainability": 20.0,
      "business_quality": 23.0,
      "valuation": 15.0,
      "trend": 12.0,
      "total": 95.0,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "buyable_now",
    "decision_label": "Buyable Now",
    "warnings": [],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/",
      "chart": "https://sharemaestro.com/terminal/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 25.0,
    "dividend_sustainability": 20.0,
    "business_quality": 23.0,
    "valuation": 15.0,
    "trend": 12.0,
    "total": 95.0,
    "confidence": 100.0
  },
  "warnings": [],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "qualified",
      "severity": "positive",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "CFG qualified as a dividend compounder candidate",
      "detail": "Score 95.0/100, decision Buyable Now.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2026-04-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "CFG dividend payment 0.46 USD",
      "detail": "Recorded dividend payment for Citizens Financial Group, Inc..",
      "amount": 0.46,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2026-02-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "CFG dividend payment 0.46 USD",
      "detail": "Recorded dividend payment for Citizens Financial Group, Inc..",
      "amount": 0.46,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2025-10-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "Dividend increased 9.5%",
      "detail": "Payment changed from 0.42 to 0.46.",
      "amount": 0.46,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2025-10-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "CFG dividend payment 0.46 USD",
      "detail": "Recorded dividend payment for Citizens Financial Group, Inc..",
      "amount": 0.46,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2025-07-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "CFG dividend payment 0.42 USD",
      "detail": "Recorded dividend payment for Citizens Financial Group, Inc..",
      "amount": 0.42,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2025-04-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "CFG dividend payment 0.42 USD",
      "detail": "Recorded dividend payment for Citizens Financial Group, Inc..",
      "amount": 0.42,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2025-01-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "CFG dividend payment 0.42 USD",
      "detail": "Recorded dividend payment for Citizens Financial Group, Inc..",
      "amount": 0.42,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2024-10-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "CFG dividend payment 0.42 USD",
      "detail": "Recorded dividend payment for Citizens Financial Group, Inc..",
      "amount": 0.42,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2024-07-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "CFG dividend payment 0.42 USD",
      "detail": "Recorded dividend payment for Citizens Financial Group, Inc..",
      "amount": 0.42,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2024-04-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "CFG dividend payment 0.42 USD",
      "detail": "Recorded dividend payment for Citizens Financial Group, Inc..",
      "amount": 0.42,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2024-01-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "CFG dividend payment 0.42 USD",
      "detail": "Recorded dividend payment for Citizens Financial Group, Inc..",
      "amount": 0.42,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2023-10-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "CFG dividend payment 0.42 USD",
      "detail": "Recorded dividend payment for Citizens Financial Group, Inc..",
      "amount": 0.42,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2023-08-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "CFG dividend payment 0.42 USD",
      "detail": "Recorded dividend payment for Citizens Financial Group, Inc..",
      "amount": 0.42,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2022-08-01",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "Dividend increased 7.7%",
      "detail": "Payment changed from 0.39 to 0.42.",
      "amount": 0.42,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2020-01-28",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "Dividend increased 8.3%",
      "detail": "Payment changed from 0.36 to 0.39.",
      "amount": 0.39,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2019-07-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "Dividend increased 12.5%",
      "detail": "Payment changed from 0.32 to 0.36.",
      "amount": 0.36,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2019-01-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "Dividend increased 18.5%",
      "detail": "Payment changed from 0.27 to 0.32.",
      "amount": 0.32,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    },
    {
      "event_date": "2018-07-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CFG",
      "exchange": "NYSE",
      "headline": "Dividend increased 22.7%",
      "detail": "Payment changed from 0.22 to 0.27.",
      "amount": 0.27,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/83ee4931-4b27-4d45-8086-e3d3563c4604/"
    }
  ]
}