Need an investment idea? Check out Popular Stocks and S2O Stock Screener.

Market Price

50.87 

-0.68 -1.3%

as of Jul 15 '19

52 Week Range:

35.50 55.48


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

CIT Group Inc. operates as the holding company for CIT Bank, N.A. that provides banking and related services to commercial and individual customers. The company operates through Commercial Banking and Consumer Banking segments. The Commercial Banking segment offers lending, leasing, and other financial and advisory services primarily to small and middle-market companies; factoring, receivables management products, and secured supply chain financing; equipment leasing and secured financing to railroads and non-rail companies; equipment financing to small businesses. The Consumer Banking segment provides deposits, including checking and savings accounts, money market, and individual retirement accounts; time deposits and certificates of deposit; and offers residential mortgage and small business administration loans, as well as fiduciary services. The company also offers leasing and advisory, and online banking services. It operates through a network of 60 branches located in southern California. CIT Group Inc. was founded in 1908 and is based in New York, New York.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 17.99
41.99
44.47
44.37
41.49
44.81
49.77
53.72
55.60
54.25
59.41
growth rate 133.4% 5.9% -0.2% -6.5% 8.0% 11.1% 7.9% 3.5% -2.4% 9.5%
Earnings BIT -3,240.00
51.20
768.10
190.20
-454.80
774.10
728.60
587.30
379.30
536.00
growth rate 100.0% 1,400.2% -75.2% -100.0% 100.0% -5.9% -19.4% -35.4% 41.3%
Avg.PE -2,986.30
18.25
263.16
-12.90
15.55
7.75
5.89
19.51
19.29
22.58
growth rate 100.0% 1,342.0% -100.0% 100.0% -50.2% -24.0% 231.2% -1.1% 17.1%
ROA -3.36
-0.01
0.93
0.06
-1.33
1.48
2.38
1.83
-1.29
0.81
0.88
growth rate 0.0% 100.0% -93.6% -100.0% 100.0% 60.8% -23.1% -100.0% 100.0% 8.6%
ROE -49.39
-0.06
5.97
0.30
-6.88
7.87
12.62
10.54
-8.08
5.39
6.79
growth rate 0.0% 100.0% -95.0% -100.0% 100.0% 60.4% -16.5% -100.0% 100.0% 26.0%
ROIC -0.21
2.77
5.40
4.67
4.44
5.51
6.32
growth rate 100.0% 95.0% -13.5% -4.9% 24.1% 14.7%
Leverage 15.66
7.15
5.72
5.09
5.28
5.33
5.28
6.15
6.42
7.04
8.63
growth rate -54.3% -20.0% -11.0% 3.7% 1.0% -0.9% 16.5% 4.4% 9.7% 22.6%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 729.50
649.10
301.60
989.40
999.90
638.60
446.50
194.00
growth rate -11.0% -53.5% 228.1% 1.1% -36.1% -30.1% -56.6%
Acct.Payable 15,849.80
32,761.40
32,304.30
29,569.30
31,239.50
growth rate 106.7% -1.4% -8.5% 5.7%
Cur.Assets 10,146.00
24,033.80
21,282.10
5,179.30
2,805.40
growth rate 136.9% -11.5% -75.7% -45.8%
Total Assets 80,448.90
60,027.40
51,419.70
45,263.40
44,012.00
47,139.00
47,880.00
67,391.90
64,170.20
49,278.70
48,537.40
growth rate -25.4% -14.3% -12.0% -2.8% 7.1% 1.6% 40.8% -4.8% -23.2% -1.5%
Cash 8,365.80
9,825.90
11,204.20
8,694.60
-929.50
-555.10
6,155.50
7,319.70
6,151.70
1,594.00
1,767.60
growth rate 17.5% 14.0% -22.4% -100.0% 0.0% 100.0% 18.9% -16.0% -74.1% 10.9%
Inventory 0.80
123.50
72.70
54.60
33.00
growth rate 15,337.5% -41.1% -24.9% -39.6%
Cur.Liabilities 19,870.90
39,567.70
38,415.20
32,510.40
34,050.70
growth rate 99.1% -2.9% -15.4% 4.7%
Liabilities 72,324.60
51,627.40
42,496.60
36,379.80
35,677.20
38,300.20
38,816.50
56,446.70
54,167.10
41,958.70
42,590.80
growth rate -28.6% -17.7% -14.4% -1.9% 7.4% 1.4% 45.4% -4.0% -22.5% 1.5%
LT Debt 2,008.00
2,009.00
2,010.00
66.20
21,961.80
21,750.00
18,121.10
16,350.30
14,935.50
8,974.40
8,118.80
growth rate 0.1% 0.1% -96.7% 33,074.9% -1.0% -16.7% -9.8% -8.7% -39.9% -9.5%
Equity 8,124.30
8,400.00
8,923.10
8,883.60
8,334.80
8,838.80
9,068.90
10,944.70
10,002.70
6,995.00
5,621.60
growth rate 3.4% 6.2% -0.4% -6.2% 6.1% 2.6% 20.7% -8.6% -30.1% -19.6%
Common Shares 259.00
400.00
201.00
201.00
201.00
202.00
189.00
186.00
202.00
164.00
119.00
growth rate 54.4% -49.8% 0.0% 0.0% 0.5% -6.4% -1.6% 8.6% -18.8% -27.4%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 2,611.60
3,102.40
1,286.90
2,136.90
1,776.60
2,071.80
3,058.30
3,088.70
1,866.80
793.30
655.60
growth rate 18.8% -58.5% 66.1% -16.9% 16.6% 47.6% 1.0% -39.6% -57.5% -17.4%
Cash Dividends 199.90
91.30
0.00
0.00
0.00
20.10
95.30
114.90
123.00
113.70
115.90
growth rate -54.3% -100.0% 374.1% 20.6% 7.1% -7.6% 1.9%
Cash From OA 220.90
2,073.70
586.40
856.00
908.50
1,320.40
1,378.40
1,189.80
2,406.30
534.20
982.50
growth rate 838.8% -71.7% 46.0% 6.1% 45.3% 4.4% -13.7% 102.2% -77.8% 83.9%
FCF per Share -9.22
-2.57
-3.49
-3.95
4.52
8.94
5.76
6.69
9.13
7.28
6.40
growth rate 0.0% 0.0% 0.0% 100.0% 97.8% -35.6% 16.2% 36.5% -20.3% -12.1%
Sale Purchase of Stock -193.40
-775.50
-552.30
-3,113.90
-3,113.90
growth rate 0.0% 0.0% 0.0% 0.0%
FCF -2,390.00
-1,029.00
-700.00
-1,281.00
909.00
1,453.00
1,278.00
1,157.00
2,367.00
519.00
983.00
growth rate 0.0% 0.0% 0.0% 100.0% 59.9% -12.0% -9.5% 104.6% -78.1% 89.4%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 2,959.40
1,325.40
3,296.90
4,849.00
3,909.50
3,533.90
1,630.80
1,778.80
2,156.80
2,374.90
2,287.10
growth rate -55.2% 148.8% 47.1% -19.4% -9.6% -53.9% 9.1% 21.3% 10.1% -3.7%
Op.Income -1,076.30
-4,103.10
779.10
14.80
-535.80
644.40
360.60
301.70
434.80
720.20
675.60
growth rate 0.0% 100.0% -98.1% -100.0% 100.0% -44.0% -16.3% 44.1% 65.6% -6.2%
IBT -1,076.30
50.10
771.40
178.40
-415.40
734.20
244.50
186.00
20.90
191.60
637.00
growth rate 100.0% 1,439.7% -76.9% -100.0% 100.0% -66.7% -23.9% -88.8% 816.8% 232.5%
Net Income -2,799.50
184.30
523.80
14.80
-592.30
675.70
1,119.10
1,034.10
-848.00
468.20
447.10
growth rate 100.0% 184.2% -97.2% -100.0% 100.0% 65.6% -7.6% -100.0% 100.0% -4.5%
EPS -11.06
-0.01
2.61
0.07
-2.95
3.35
5.91
5.55
-4.20
2.80
3.61
growth rate 0.0% 100.0% -97.3% -100.0% 100.0% 76.4% -6.1% -100.0% 100.0% 28.9%
Gross Profit 2,464.40
1,630.80
1,778.80
2,156.80
2,374.90
2,287.10
growth rate -6.7% 9.1% 21.3% 10.1% -3.7%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 228.40
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 407.80
386.10
385.80
194.00
249.30
growth rate -5.3% -0.1% -49.7% 28.5%
Acct.Payable 30,593.90
31,181.20
30,825.00
31,239.50
34,949.00
growth rate 1.9% -1.1% 1.3% 11.9%
Cur.Assets 7,605.70
5,860.60
3,741.30
2,805.40
2,532.10
growth rate -22.9% -36.2% -25.0% -9.7%
Total Assets 51,542.50
49,855.00
49,262.40
48,537.40
50,781.50
growth rate -3.3% -1.2% -1.5% 4.6%
Cash 3,979.30
3,368.00
1,265.60
1,767.60
1,295.00
growth rate -15.4% -62.4% 39.7% -26.7%
Inventory 45.60
36.60
35.80
33.00
29.70
growth rate -19.7% -2.2% -7.8% -10.0%
Cur.Liabilities 33,563.80
33,973.00
33,800.40
34,050.70
37,625.40
growth rate 1.2% -0.5% 0.7% 10.5%
Liabilities 44,415.70
43,329.30
42,942.10
42,590.80
44,872.00
growth rate -2.5% -0.9% -0.8% 5.4%
LT Debt 10,437.30
8,859.60
8,674.20
8,118.80
6,823.90
growth rate -15.1% -2.1% -6.4% -16.0%
Equity 6,801.80
6,200.70
5,995.30
5,621.60
5,584.50
growth rate -8.8% -3.3% -6.2% -0.7%
Common Shares 2.10
2.10
2.10
1.60
1.60
growth rate 0.0% 0.0% -23.8% 0.0%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 148.30
156.30
166.00
185.00
102.40
growth rate 5.4% 6.2% 11.5% -44.7%
Cash Dividends 21.50
30.10
28.60
25.70
25.70
growth rate 40.0% -5.0% -10.1% 0.0%
Cash From OA 127.10
373.80
191.00
290.60
105.60
growth rate 194.1% -48.9% 52.2% -63.7%
Sale Purchase of Stock -194.90
growth rate
FCF -21.20
217.50
25.00
105.60
3.20
growth rate 100.0% -88.5% 322.4% -97.0%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 560.20
632.20
572.10
522.60
562.40
growth rate 12.9% -9.5% -8.7% 7.6%
Op.Income 145.10
224.00
174.20
132.30
157.10
growth rate 54.4% -22.2% -24.1% 18.8%
IBT 145.00
204.70
170.70
116.60
157.00
growth rate 41.2% -16.6% -31.7% 34.7%
Net Income 97.00
126.80
131.50
91.80
118.90
growth rate 30.7% 3.7% -30.2% 29.5%
EPS
growth rate
Gross Profit 560.20
632.20
572.10
522.60
562.40
growth rate 12.9% -9.5% -8.7% 7.6%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (3.10)

YOY Growth Grade:

E (17.15)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 13.16 12.55 9.70
EPS / Growth -3.4% 4.05 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.0% 1.0%
Future PE 2.00 8.29 8.29
Future EPS 4.48 4.48 4.48
Value Price
MOS %
2.21
-95.6%
9.17
-82.0%
9.17
-82.0%
MOS Price 1.11 4.59 4.59
IRT 11.77 11.77 11.77

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.