Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 2.61%.
YIELD ON COST (YOC)
2.61%
CFG now pays $1.84 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(2016-09-13) | $24.62 | 7.47% |
| 5 years ago(2021-09-09) | $43.24 | 4.26% |
| 3 years ago(2023-09-12) | $28.37 | 6.49% |
| 1 year ago(2025-09-10) | $51.81 | 3.55% |
| Buying today(at $64.82) | $64.82 | 2.61% |
Projection: starting from today's 2.61% yield, assuming the dividend keeps compounding at 2.5% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
2.61%
In 3 years
2.81%
In 5 years
2.95%
In 10 years
3.33%
Try your own purchase price, dividend and growth rate for Citizens Financial Group, Inc. (CFG).
Starting Yield
2.84%
Ending YOC
3.80%
Year 15 Dividend
$2.47
Cum. Dividends Recd.
$32.38
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $1.84 | N/A | 2.84% | $0.00 |
| Year 1 | $1.88 | +1.97% | 2.89% | $1.88 |
| Year 2 | $1.91 | +1.97% | 2.95% | $3.79 |
| Year 3 | $1.95 | +1.97% | 3.01% | $5.74 |
| Year 4 | $1.99 | +1.97% | 3.07% | $7.73 |
| Year 5 | $2.03 | +1.97% | 3.13% | $9.76 |
| Year 6 | $2.07 | +1.97% | 3.19% | $11.83 |
| Year 7 | $2.11 | +1.97% | 3.25% | $13.94 |
| Year 8 | $2.15 | +1.97% | 3.32% | $16.09 |
| Year 9 | $2.19 | +1.97% | 3.38% | $18.28 |
| Year 10 | $2.24 | +1.97% | 3.45% | $20.52 |
| Year 11 | $2.28 | +1.97% | 3.52% | $22.80 |
| Year 12 | $2.33 | +1.97% | 3.59% | $25.12 |
| Year 13 | $2.37 | +1.97% | 3.66% | $27.49 |
| Year 14 | $2.42 | +1.97% | 3.73% | $29.91 |
| Year 15 | $2.47 | +1.97% | 3.80% | $32.38 |
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
