Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 3.06%.
YIELD ON COST (YOC)
3.06%
CFG now pays $2.26 per share a year. Measured against the price it actually traded at back then, a long-term holder is earning:
| If you bought | Price then | Yield on cost today |
|---|---|---|
| 10 years ago(2016-08-11) | $23.40 | 9.66% |
| 5 years ago(2021-08-13) | $44.77 | 5.05% |
| 3 years ago(2023-08-11) | $30.71 | 7.36% |
| 1 year ago(2025-08-12) | $48.14 | 4.69% |
| Buying today(at $73.91) | $73.91 | 3.06% |
Projection: starting from today's 3.06% yield, assuming the dividend keeps compounding at its historical 2.0% rate. Boards set dividends each year, so actual figures will differ.
Today
3.06%
In 3 years
3.37%
In 5 years
3.60%
In 10 years
4.23%
Try your own purchase price, dividend and growth rate for Citizens Financial Group, Inc. (CFG).
Starting Yield
3.06%
Ending YOC
4.10%
Year 15 Dividend
$3.03
Cum. Dividends Recd.
$39.77
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $2.26 | N/A | 3.06% | $0.00 |
| Year 1 | $2.30 | +1.97% | 3.12% | $2.30 |
| Year 2 | $2.35 | +1.97% | 3.18% | $4.65 |
| Year 3 | $2.40 | +1.97% | 3.24% | $7.05 |
| Year 4 | $2.44 | +1.97% | 3.31% | $9.49 |
| Year 5 | $2.49 | +1.97% | 3.37% | $11.99 |
| Year 6 | $2.54 | +1.97% | 3.44% | $14.53 |
| Year 7 | $2.59 | +1.97% | 3.51% | $17.12 |
| Year 8 | $2.64 | +1.97% | 3.57% | $19.76 |
| Year 9 | $2.69 | +1.97% | 3.64% | $22.45 |
| Year 10 | $2.75 | +1.97% | 3.72% | $25.20 |
| Year 11 | $2.80 | +1.97% | 3.79% | $28.00 |
| Year 12 | $2.86 | +1.97% | 3.86% | $30.86 |
| Year 13 | $2.91 | +1.97% | 3.94% | $33.77 |
| Year 14 | $2.97 | +1.97% | 4.02% | $36.74 |
| Year 15 | $3.03 | +1.97% | 4.10% | $39.77 |
Yield on cost is the dividend yield measured against your original purchase price, not today's price. As a company raises its dividend, the yield on what you actually paid keeps rising even when the market yield holds steady.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
