CITIZENS FINANCIAL GROUP INC/RI

CFG Banks & Financial Services 2/10 Low Risk
2/10

CITIZENS FINANCIAL GROUP INC/RI has $12.4B in total long-term debt with $11.2B in scheduled maturities. Approximately $500M (4% of maturities) is due within the next twelve months. Overall, CFG carries low refinancing risk (score 2/10).

Maturity Schedule

Year 1 $500M Year 2 $2.0B Year 3 $2.0B Year 4 $6M Year 5 $2.6B Beyond 5 $4.1B
Period Amount Due % of Total
Year 1 (0-12 months) $500M 4.5%
Year 2 (12-24 months) $2.0B 18.1%
Year 3 (24-36 months) $2.0B 17.7%
Year 4 (36-48 months) $6M 0.1%
Year 5 (48-60 months) $2.6B 23.1%
Beyond 5 Years $4.1B 36.7%
Total Scheduled Maturities $11.2B 100.0%

Key Metrics

Total Long-Term Debt
$12.4B
Near-Term (12mo)
$500M
Interest Coverage
N/A
Debt/Equity
0.52
Cash Coverage
6.17x
Operating Income
N/A

Score Components

Component Value Weight
Near-Term Maturity Concentration 4.5% 30%
Interest Coverage Ratio N/A 25%
Debt-to-Equity Ratio 0.52 25%
Cash Coverage of Near-Term Debt 6.17x 20%

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Data Source: Financial data sourced from SEC EDGAR XBRL filings (10-K annual reports). Most recent filing date: 2026-02-12. Data last fetched: 2026-03-15. Maturity schedules reflect the company's most recently reported debt repayment obligations. Data quality: Partial.