Free Trial
→ Your book is inside (From Profits Run) (Ad)tc pixel Free CFG Stock Alerts

Citizens Financial Group (CFG) Financials

Citizens Financial Group logo
$63.70 -0.52 (-0.81%)
Closing price 05/8/2026 03:59 PM Eastern
Extended Trading
$63.73 +0.03 (+0.05%)
As of 05/8/2026 07:02 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
Compare
Annual Income Statements for Citizens Financial Group

Annual Income Statements for Citizens Financial Group

This table shows Citizens Financial Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 840 1,045 1,638 1,692 1,718 1,057 2,319 1,960 1,491 1,372 1,688
Consolidated Net Income / (Loss)		 840 1,045 1,652 1,721 1,791 1,057 2,319 2,073 1,608 1,509 1,831
Net Income / (Loss) Continuing Operations		 840 1,045 1,652 1,721 1,791 1,057 2,319 2,073 1,608 1,509 1,831
Total Pre-Tax Income 		1,263 1,534 1,912 2,183 2,251 1,298 2,977 2,655 2,030 1,888 2,328
Total Revenue		 4,824 5,255 5,707 6,128 6,491 6,905 6,647 8,021 8,224 7,809 8,247
Net Interest Income / (Expense)		 3,402 3,758 4,173 4,532 4,614 4,586 4,512 6,012 6,241 5,633 5,853
Total Interest Income		 3,854 4,266 4,920 5,758 6,189 5,357 4,851 7,060 10,204 10,186 9,663
Loans and Leases Interest Income		 3,228 3,674 4,277 5,057 5,517 4,827 4,348 6,092 8,591 8,025 7,583
Investment Securities Interest Income		 621 584 625 672 642 519 487 840 1,162 1,658 1,713
Deposits and Money Market Investments Interest Income		 5.00 8.00 18 29 30 11 16 128 451 503 367
Total Interest Expense		 452 508 747 1,226 1,575 771 339 1,048 3,963 4,553 3,810
Deposits Interest Expense		 237 270 441 785 1,155 509 160 651 3,145 3,825 3,194
Short-Term Borrowings Interest Expense		 67 40 17 15 10 2.00 1.00 23 43 15 22
Long-Term Debt Interest Expense		 132 196 286 426 410 260 178 374 775 713 594
Total Non-Interest Income		 1,422 1,497 1,534 1,596 1,877 2,319 2,135 2,009 1,983 2,176 2,394
Trust Fees by Commissions		 157 146 158 171 202 203 239 - 259 - 360
Other Service Charges		 1,243 1,347 1,372 1,409 1,656 2,112 1,886 1,812 1,513 2,012 1,856
Net Realized & Unrealized Capital Gains on Investments		 22 4.00 11 16 19 4.00 10 9.00 211 18 178
Provision for Credit Losses		 302 369 321 326 393 1,616 -411 474 687 687 608
Total Non-Interest Expense		 3,259 3,352 3,474 3,619 3,847 3,991 4,081 4,892 5,507 5,234 5,311
Salaries and Employee Benefits		 1,636 1,714 1,766 1,880 2,026 2,123 2,132 2,549 2,599 2,657 2,798
Net Occupancy & Equipment Expense		 576 570 762 464 847 896 943 1,058 1,248 1,216 1,218
Other Operating Expenses		 901 898 946 1,275 974 972 1,006 1,285 1,660 1,361 1,295
Income Tax Expense		 423 489 260 462 460 241 658 582 422 379 497
Basic Earnings per Share		 $1.55 $1.97 $3.26 $3.54 $3.82 $2.22 $5.18 $4.12 $3.14 $3.05 $3.90
Weighted Average Basic Shares Outstanding		 535.60M 522.09M 502.16M 478.82M 449.73M 427.06M 425.67M 475.96M 475.09M 450.68M 433.17M
Diluted Earnings per Share		 $1.55 $1.97 $3.25 $3.52 $3.81 $2.22 $5.16 $4.10 $3.13 $3.03 $3.86
Weighted Average Diluted Shares Outstanding		 538.22M 523.93M 503.69M 480.43M 451.21M 428.16M 427.44M 477.80M 476.69M 453.51M 436.89M
Weighted Average Basic & Diluted Shares Outstanding		 537.40M 523.40M 502.50M 478M 427.43M 425.11M 422.14M 484.11M 458.76M 437.14M 424.98M
Cash Dividends to Common per Share		 $0.40 $0.46 $0.64 $0.98 $1.36 $1.56 $1.56 $1.62 $1.68 $1.68 $1.72

Quarterly Income Statements for Citizens Financial Group

This table shows Citizens Financial Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 400 159 304 357 344 367 340 402 457 489 484
Consolidated Net Income / (Loss)		 430 189 334 392 382 401 373 436 494 528 517
Net Income / (Loss) Continuing Operations		 430 189 334 392 382 401 373 436 494 528 517
Total Pre-Tax Income 		549 205 430 480 470 508 468 554 629 677 650
Total Revenue		 2,014 1,988 1,959 1,963 1,901 1,986 1,935 2,037 2,118 2,157 2,168
Net Interest Income / (Expense)		 1,522 1,488 1,442 1,410 1,369 1,412 1,391 1,437 1,488 1,537 1,562
Total Interest Income		 2,595 2,676 2,610 2,575 2,539 2,462 2,352 2,407 2,458 2,446 2,420
Loans and Leases Interest Income		 2,194 2,166 2,071 2,028 1,995 1,931 1,845 1,887 1,928 1,923 1,905
Investment Securities Interest Income		 290 339 399 417 423 419 418 428 433 434 424
Deposits and Money Market Investments Interest Income		 111 171 140 130 121 112 89 92 97 89 91
Total Interest Expense		 1,073 1,188 1,168 1,165 1,170 1,050 961 970 970 909 858
Deposits Interest Expense		 898 974 987 965 990 883 795 802 816 781 715
Short-Term Borrowings Interest Expense		 8.00 7.00 7.00 4.00 3.00 1.00 8.00 9.00 5.00 - 4.00
Long-Term Debt Interest Expense		 167 207 174 196 177 166 158 159 149 128 139
Total Non-Interest Income		 492 500 517 553 532 574 544 600 630 620 606
Other Service Charges		 439 252 408 514 411 603 417 554 493 311 555
Net Realized & Unrealized Capital Gains on Investments		 5.00 192 41 0.00 45 4.00 46 5.00 44 122 7.00
Other Non-Interest Income		 48 - - 39 - 35 - 41 - - 44
Provision for Credit Losses		 172 171 171 182 172 162 153 164 154 137 140
Total Non-Interest Expense		 1,293 1,612 1,358 1,301 1,259 1,316 1,314 1,319 1,335 1,343 1,378
Salaries and Employee Benefits		 659 667 691 645 647 674 696 681 705 716 758
Net Occupancy & Equipment Expense		 298 340 306 303 302 305 306 301 303 308 311
Other Operating Expenses		 336 605 361 353 310 337 312 337 327 319 309
Income Tax Expense		 119 16 96 88 88 107 95 118 135 149 133
Basic Earnings per Share		 $0.85 $0.36 $0.66 $0.79 $0.77 $0.83 $0.78 $0.93 $1.06 $1.13 $1.14
Weighted Average Basic Shares Outstanding		 469.48M 475.09M 461.36M 454.14M 446.56M 450.68M 438.32M 433.64M 431.37M 433.17M 425.34M
Diluted Earnings per Share		 $0.85 $0.36 $0.65 $0.78 $0.77 $0.83 $0.77 $0.92 $1.05 $1.12 $1.13
Weighted Average Diluted Shares Outstanding		 471.18M 476.69M 463.80M 456.56M 449.91M 453.51M 442.20M 436.54M 435.47M 436.89M 429.89M
Weighted Average Basic & Diluted Shares Outstanding		 466.22M 458.76M 455.02M 448.30M 440.70M 437.14M 433.65M 431.35M 429.49M 424.98M 422.88M
Cash Dividends to Common per Share		 $0.42 - $0.42 $0.42 $0.42 - $0.42 $0.42 $0.42 - $0.46

Annual Cash Flow Statements for Citizens Financial Group

This table details how cash moves in and out of Citizens Financial Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -191 619 -672 1,042 -688 9,347 -3,575 1,389 1,081 -1,027 2,126
Net Cash From Operating Activities		 1,229 1,490 1,883 1,767 1,697 111 2,275 4,119 2,961 2,001 2,211
Net Cash From Continuing Operating Activities		 1,229 1,490 1,883 1,767 1,697 111 2,275 4,119 2,961 2,001 2,211
Net Income / (Loss) Continuing Operations		 840 1,045 1,652 1,721 1,791 1,057 2,319 2,073 1,608 1,509 1,831
Consolidated Net Income / (Loss)		 840 1,045 1,652 1,721 1,791 1,057 2,319 2,073 1,608 1,509 1,831
Provision For Loan Losses		 302 369 321 326 393 1,616 -411 474 687 687 608
Depreciation Expense		 471 515 487 486 633 578 625 565 478 498 478
Non-Cash Adjustments to Reconcile Net Income		 227 -106 44 22 74 -194 -381 132 -183 -98 14
Changes in Operating Assets and Liabilities, net		 -628 -333 -621 -791 -1,194 -2,946 123 875 371 -595 -720
Net Cash From Investing Activities		 -5,905 -11,326 -3,984 -7,077 -3,875 -6,136 -10,486 -12,637 5,248 2,987 -5,967
Net Cash From Continuing Investing Activities		 -5,905 -11,326 -3,984 -7,077 -3,875 -6,136 -10,486 -12,637 5,248 2,987 -5,967
Purchase of Property, Leasehold Improvements and Equipment		 -178 -165 -412 -232 -95 -118 -124 -126 -172 -122 -174
Purchase of Investment Securities		 -14,126 -17,942 -9,997 -10,715 -14,116 -17,392 -20,586 -20,052 -3,015 -4,590 -15,902
Sale and/or Maturity of Investments		 8,399 6,781 6,425 4,822 10,442 11,439 10,540 8,312 8,496 7,792 10,456
Other Investing Activities, net		 - - - -419 -106 -65 -316 -771 -61 -93 -347
Net Cash From Financing Activities		 4,485 10,455 1,429 6,352 1,490 15,372 4,636 9,907 -7,128 -6,015 5,882
Net Cash From Continuing Financing Activities		 4,485 10,455 1,429 6,352 1,490 15,372 4,636 9,907 -7,128 -6,015 5,882
Net Change in Deposits		 6,832 7,265 5,285 4,486 5,738 21,851 7,197 6,146 -3,382 -2,566 8,537
Issuance of Debt		 6,750 15,144 15,363 22,503 12,850 8,323 0.00 24,617 25,983 13,185 8,534
Issuance of Common Equity		 247 0.00 0.00 593 730 395 296 0.00 0.00 392 393
Repayment of Debt		 -5,149 -11,615 -17,710 -19,707 -15,905 -14,061 -1,506 -19,786 -27,916 -14,791 -9,686
Repurchase of Preferred Equity		 - - - - 0.00 0.00 -250 0.00 0.00 -300 -400
Repurchase of Common Equity		 -500 -430 -820 -1,025 -1,220 -270 -295 -153 -906 -1,050 -600
Payment of Dividends		 -221 -255 -336 -485 -682 -770 -783 -892 -928 -903 -888
Other Financing Activities, Net		 -3,474 346 -353 -13 -21 -96 -23 -25 21 18 -8.00
Cash Interest Paid		 454 505 716 1,184 1,560 837 347 989 3,640 4,375 4,040

Quarterly Cash Flow Statements for Citizens Financial Group

This table details how cash moves in and out of Citizens Financial Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 3,833 -3,772 -29 172 -856 -314 940 -2,993 3,102 1,077 -397
Net Cash From Operating Activities		 1,015 670 554 834 130 483 -213 886 1,696 -158 237
Net Cash From Continuing Operating Activities		 1,015 670 554 834 130 483 -213 886 1,696 -158 237
Net Income / (Loss) Continuing Operations		 430 189 334 392 382 401 373 436 494 528 517
Consolidated Net Income / (Loss)		 430 189 334 392 382 401 373 436 494 528 517
Provision For Loan Losses		 172 171 171 182 172 162 153 164 154 137 140
Depreciation Expense		 122 126 102 143 129 124 123 124 119 112 113
Non-Cash Adjustments to Reconcile Net Income		 -8.00 -176 29 -11 -6.00 -110 6.00 -61 43 26 78
Changes in Operating Assets and Liabilities, net		 299 360 -82 128 -547 -94 -868 223 886 -961 -611
Net Cash From Investing Activities		 382 225 1,039 179 161 1,608 -1,108 -1,428 -1,497 -1,934 -1,802
Net Cash From Continuing Investing Activities		 382 225 1,039 179 161 1,608 -1,108 -1,428 -1,497 -1,934 -1,802
Purchase of Property, Leasehold Improvements and Equipment		 -33 -48 -10 -30 -34 -48 -14 -33 -35 -92 0.00
Purchase of Investment Securities		 -1,279 -1,208 -516 -734 -2,147 -1,193 -2,922 -3,572 -3,227 -6,181 -3,578
Sale and/or Maturity of Investments		 1,870 1,361 1,542 928 2,409 2,913 1,878 2,307 1,768 4,503 1,873
Other Investing Activities, net		 -176 120 23 15 -67 -64 -50 -130 -3.00 -164 -97
Net Cash From Financing Activities		 2,436 -4,667 -1,622 -841 -1,147 -2,405 2,261 -2,451 2,903 3,169 1,168
Net Cash From Continuing Financing Activities		 2,436 -4,667 -1,622 -841 -1,147 -2,405 2,261 -2,451 2,903 3,169 1,168
Net Change in Deposits		 530 -855 -914 -76 -1,164 -412 2,800 -2,490 4,925 3,302 722
Issuance of Debt		 9,016 4,750 5,765 5,088 2,332 - 2,533 3,500 501 2,000 3,647
Repayment of Debt		 -6,629 -8,379 -5,933 -5,826 -1,472 -1,560 -2,628 -3,049 -2,629 -1,380 -2,622
Repurchase of Common Equity		 -250 - -300 -200 -325 -225 -200 -200 -75 -125 -300
Payment of Dividends		 -231 -230 -228 -224 -225 -226 -220 -218 -217 -233 -236
Other Financing Activities, Net		 - 47 -12 6.00 7.00 17 -24 6.00 5.00 5.00 -43

Annual Balance Sheets for Citizens Financial Group

This table presents Citizens Financial Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 138,208 149,520 152,336 160,518 165,733 183,349 188,409 226,733 221,964 217,521 226,351
Cash and Due from Banks		 3,085 3,704 3,032 4,074 3,386 12,733 9,158 10,547 11,628 10,601 12,727
Interest Bearing Deposits at Other Banks		 356 439 192 148 297 306 316 303 405 635 961
Trading Account Securities		 23,837 25,295 26,350 25,392 24,622 28,092 29,525 34,683 39,401 41,364 43,630
Loans and Leases, Net of Allowance		 97,826 106,433 109,381 115,418 -1,252 120,647 126,405 154,679 143,861 137,142 140,749
Loans and Leases		 99,042 107,669 110,617 116,660 - 123,090 128,163 156,662 145,959 139,203 142,692
Allowance for Loan and Lease Losses		 1,216 1,236 1,236 1,242 1,252 2,443 1,758 1,983 2,098 2,061 1,943
Loans Held for Sale		 98,191 107,058 110,099 1,320 3,330 4,003 3,468 982 779 858 1,198
Premises and Equipment, Net		 595 601 685 791 761 759 768 844 895 875 915
Goodwill		 6,876 6,876 6,887 6,923 7,044 7,050 7,116 8,173 8,188 8,187 8,187
Intangible Assets		 - - - - - - 64 197 157 146 115
Other Assets		 5,268 5,547 5,085 6,452 127,545 9,759 11,589 16,325 16,650 17,713 17,869
Total Liabilities & Shareholders' Equity		 138,208 149,520 152,336 160,518 165,733 183,349 188,409 226,733 221,964 217,521 226,351
Total Liabilities		 118,562 129,773 132,066 139,701 143,532 160,676 164,989 203,043 197,622 193,267 200,034
Non-Interest Bearing Deposits		 27,649 28,472 29,279 29,458 29,233 43,831 49,443 49,283 37,107 36,920 40,417
Interest Bearing Deposits		 74,890 81,332 85,810 90,117 96,080 103,333 104,918 131,441 140,235 137,856 142,896
Short-Term Debt		 2,630 3,211 1,856 453 274 371 74 3.00 505 0.00 58
Long-Term Debt		 9,886 12,790 11,765 15,925 14,047 8,346 6,932 15,887 13,467 12,401 11,224
Other Long-Term Liabilities		 2,705 2,820 2,541 2,592 3,898 4,795 3,622 6,429 6,308 6,090 5,439
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 19,646 19,747 20,270 20,817 22,201 22,673 23,420 23,690 24,342 24,254 26,317
Total Preferred & Common Equity		 19,646 19,747 20,270 20,817 22,201 22,673 23,420 23,690 24,342 24,254 26,317
Preferred Stock		 247 247 247 840 - 1,965 2,014 2,014 2,014 2,113 2,111
Total Common Equity		 19,399 19,500 20,023 19,977 22,201 20,708 21,406 21,676 22,328 22,141 24,206
Common Stock		 18,731 18,728 18,787 18,821 18,897 18,946 19,011 22,148 22,256 22,371 22,483
Retained Earnings		 1,913 2,703 4,164 5,385 6,498 6,445 7,978 9,159 9,816 10,412 11,345
Treasury Stock		 -858 -1,263 -2,108 -3,133 -4,353 -4,623 -4,918 -5,071 -5,986 -7,047 -7,652
Accumulated Other Comprehensive Income / (Loss)		 -387 -668 -820 -1,096 -411 -60 -665 -4,560 -3,758 -3,595 -1,970

Quarterly Balance Sheets for Citizens Financial Group

This table presents Citizens Financial Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 223,066 225,270 221,964 220,448 219,938 219,706 217,521 220,148 218,310 222,747 227,918
Cash and Due from Banks		 11,567 15,400 11,628 11,599 11,771 10,915 10,601 11,541 8,548 11,650 12,330
Interest Bearing Deposits at Other Banks		 284 324 405 392 559 648 635 685 680 694 830
Trading Account Securities		 34,994 34,911 39,401 40,710 41,200 42,159 41,772 43,437 43,783 44,264 44,161
Loans and Leases, Net of Allowance		 149,276 147,666 143,861 141,102 139,717 139,553 137,142 135,621 137,296 138,898 141,709
Loans and Leases		 151,320 149,746 145,959 143,188 141,842 141,632 139,203 137,635 139,304 140,870 143,667
Allowance for Loan and Lease Losses		 2,044 2,080 2,098 2,086 2,125 2,079 2,061 2,014 2,008 1,972 1,958
Loans Held for Sale		 1,421 848 779 555 683 663 858 2,820 2,093 1,334 1,537
Premises and Equipment, Net		 876 878 895 872 863 862 875 855 855 857 874
Goodwill		 8,188 8,188 8,188 8,188 8,187 8,187 8,187 8,187 8,187 8,187 8,221
Intangible Assets		 175 167 157 148 139 137 146 137 129 123 112
Other Assets		 16,285 16,888 16,650 16,882 16,819 16,582 17,305 16,865 16,739 16,740 18,144
Total Liabilities & Shareholders' Equity		 223,066 225,270 221,964 220,448 219,938 219,706 217,521 220,148 218,310 222,747 227,918
Total Liabilities		 199,481 202,392 197,622 196,687 196,069 194,774 193,267 195,282 193,076 196,918 201,746
Non-Interest Bearing Deposits		 40,286 38,561 37,107 36,593 36,927 35,978 36,920 37,556 38,001 39,472 41,672
Interest Bearing Deposits		 137,381 139,636 140,235 139,835 139,425 139,210 137,856 140,020 137,085 140,539 142,363
Short-Term Debt		 1,099 232 505 9.00 2.00 15 0.00 47 249 214 54
Long-Term Debt		 14,100 17,354 13,467 13,804 13,082 13,944 12,401 12,267 12,526 10,441 12,260
Other Long-Term Liabilities		 6,615 6,609 6,308 6,446 6,633 5,627 6,090 5,392 5,215 6,252 5,397
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 23,585 22,878 24,342 23,761 23,869 24,932 24,254 24,866 25,234 25,829 26,172
Total Preferred & Common Equity		 23,585 22,878 24,342 23,761 23,869 24,932 24,254 24,866 25,234 25,829 26,172
Preferred Stock		 2,014 2,014 2,014 2,014 2,112 2,112 2,113 2,113 2,113 2,111 2,111
Total Common Equity		 21,571 20,864 22,328 21,747 21,757 22,820 22,141 22,753 23,121 23,718 24,061
Common Stock		 22,213 22,237 22,256 22,278 22,305 22,333 22,371 22,377 22,427 22,455 22,473
Retained Earnings		 9,655 9,856 9,816 9,923 10,079 10,233 10,412 10,566 10,783 11,056 11,631
Treasury Stock		 -5,734 -5,986 -5,986 -6,290 -6,492 -6,820 -7,047 -7,249 -7,450 -7,526 -7,955
Accumulated Other Comprehensive Income / (Loss)		 -4,563 -5,243 -3,758 -4,164 -4,135 -2,926 -3,595 -2,941 -2,639 -2,267 -2,088

Annual Metrics And Ratios for Citizens Financial Group

This table displays calculated financial ratios and metrics derived from Citizens Financial Group's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 429,486,191.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 429,486,191.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 4.26
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.55 $1.97 $3.26 $3.54 $3.82 $2.22 $5.18 $4.12 $3.14 $3.05 $3.90
Adjusted Weighted Average Basic Shares Outstanding		 535.60M 522.09M 502.16M 478.82M 449.73M 427.06M 425.67M 475.96M 475.09M 450.68M 433.17M
Adjusted Diluted Earnings per Share		 $1.55 $1.97 $3.25 $3.52 $3.81 $2.22 $5.16 $4.10 $3.13 $3.03 $3.86
Adjusted Weighted Average Diluted Shares Outstanding		 538.22M 523.93M 503.69M 480.43M 451.21M 428.16M 427.44M 477.80M 476.69M 453.51M 436.89M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $3.82 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 527.81M 509.11M 487.33M 460.39M 427.43M 425.11M 422.14M 484.11M 458.76M 437.14M 424.98M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Citizens Financial Group

This table displays calculated financial ratios and metrics derived from Citizens Financial Group's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 429,486,191.00 424,983,657.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 429,486,191.00 424,983,657.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 1.23 1.22
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -7.49% -9.64% -7.94% -6.26% -5.61% -0.10% -1.23% 3.77% 11.42% - 12.04%
EBITDA Growth		 -28.16% -64.97% -31.97% -13.95% -10.73% 90.94% 11.09% 8.83% 24.87% - 29.10%
EBIT Growth		 -32.47% -75.24% -35.24% -21.57% -14.39% 147.80% 8.84% 15.42% 33.83% - 38.89%
NOPAT Growth		 -32.39% -71.06% -34.64% -17.99% -11.16% 112.17% 11.68% 11.22% 29.32% - 38.61%
Net Income Growth		 -32.39% -71.06% -34.64% -17.99% -11.16% 112.17% 11.68% 11.22% 29.32% - 38.61%
EPS Growth		 -30.89% -71.65% -35.00% -15.22% -9.41% 130.56% 18.46% 17.95% 36.36% - 46.75%
Operating Cash Flow Growth		 -66.17% -53.50% -51.99% 583.61% -87.19% -27.91% -138.45% 6.24% 1,204.62% - 211.27%
Free Cash Flow Firm Growth		 117.31% 117.12% 145.76% -57.49% 3.55% 41.58% -88.78% -127.89% 48.39% - -202.87%
Invested Capital Growth		 -3.48% -3.20% -14.75% -4.72% -3.89% -4.33% -1.05% 2.86% -6.19% - 3.51%
Revenue Q/Q Growth		 -3.82% -1.29% -1.46% 0.20% -3.16% 4.47% -2.57% 5.27% 3.98% - 0.51%
EBITDA Q/Q Growth		 -7.32% -50.67% 60.73% 17.11% -3.85% 5.51% -6.49% 14.72% 10.32% - -3.30%
EBIT Q/Q Growth		 -10.29% -62.66% 109.76% 11.63% -2.08% 8.09% -7.87% 18.38% 13.54% - -3.99%
NOPAT Q/Q Growth		 -10.04% -56.05% 76.72% 17.37% -2.55% 4.97% -6.98% 16.89% 13.30% - -2.08%
Net Income Q/Q Growth		 -10.04% -56.05% 76.72% 17.37% -2.55% 4.97% -6.98% 16.89% 13.30% - -2.08%
EPS Q/Q Growth		 -7.61% -57.65% 80.56% 20.00% -1.28% 7.79% -7.23% 19.48% 14.13% - 0.89%
Operating Cash Flow Q/Q Growth		 731.97% -33.99% -17.31% 50.54% -84.41% 271.54% -144.10% 515.96% 91.42% - 250.00%
Free Cash Flow Firm Q/Q Growth		 -63.89% -22.93% 369.69% -67.47% -12.06% 5.37% -62.77% -180.83% 567.90% - -89.66%
Invested Capital Q/Q Growth		 4.33% -5.31% -1.93% -1.65% 5.24% -5.75% 1.43% 2.23% -4.01% - 2.36%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 33.32% 16.65% 27.16% 31.74% 31.51% 31.82% 30.54% 33.28% 35.32% - 35.19%
EBIT Margin		 27.26% 10.31% 21.95% 24.45% 24.72% 25.58% 24.19% 27.20% 29.70% - 29.98%
Profit (Net Income) Margin		 21.35% 9.51% 17.05% 19.97% 20.09% 20.19% 19.28% 21.40% 23.32% - 23.85%
Tax Burden Percent		 78.32% 92.20% 77.67% 81.67% 81.28% 78.94% 79.70% 78.70% 78.54% - 79.54%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 21.68% 7.80% 22.33% 18.33% 18.72% 21.06% 20.30% 21.30% 21.46% - 20.46%
Return on Invested Capital (ROIC)		 4.37% 2.01% 3.36% 4.18% 3.96% 4.21% 4.02% 4.49% 5.00% - 5.35%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.37% 2.01% 3.36% 4.18% 3.96% 4.21% 4.02% 4.49% 5.00% - 5.35%
Return on Net Nonoperating Assets (RNNOA)		 3.45% 1.25% 2.36% 2.49% 2.61% 2.28% 2.16% 2.36% 2.42% - 2.58%
Return on Equity (ROE)		 7.83% 3.26% 5.73% 6.67% 6.57% 6.49% 6.17% 6.85% 7.42% - 7.92%
Cash Return on Invested Capital (CROIC)		 8.57% 7.38% 19.43% 8.39% 7.23% 8.45% 5.20% 1.43% 10.91% - 1.77%
Operating Return on Assets (OROA)		 1.02% 0.38% 0.80% 0.87% 0.87% 0.91% 0.85% 0.98% 1.08% - 1.13%
Return on Assets (ROA)		 0.80% 0.35% 0.62% 0.71% 0.71% 0.72% 0.68% 0.77% 0.85% - 0.90%
Return on Common Equity (ROCE)		 7.14% 2.98% 5.25% 6.09% 6.00% 5.94% 5.65% 6.26% 6.80% - 7.27%
Return on Equity Simple (ROE_SIMPLE)		 9.06% 0.00% 6.02% 5.63% 5.20% 0.00% 6.23% 6.31% 6.60% - 7.55%
Net Operating Profit after Tax (NOPAT)		 430 189 334 392 382 401 373 436 494 - 517
NOPAT Margin		 21.35% 9.51% 17.05% 19.97% 20.09% 20.19% 19.28% 21.40% 23.32% - 23.85%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
SG&A Expenses to Revenue		 47.52% 50.65% 50.89% 48.29% 49.92% 49.30% 51.78% 48.21% 47.59% - 49.31%
Operating Expenses to Revenue		 64.20% 81.09% 69.32% 66.28% 66.23% 66.26% 67.91% 64.75% 63.03% - 63.56%
Earnings before Interest and Taxes (EBIT)		 549 205 430 480 470 508 468 554 629 - 650
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 671 331 532 623 599 632 591 678 748 - 763
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.57 0.66 0.76 0.75 0.80 0.86 0.78 0.83 0.96 - 1.05
Price to Tangible Book Value (P/TBV)		 0.95 1.05 1.23 1.21 1.26 1.38 1.23 1.30 1.47 - 1.61
Price to Revenue (P/Rev)		 1.41 1.78 2.06 2.05 2.33 2.45 2.27 2.45 2.81 - 2.98
Price to Earnings (P/E)		 5.82 9.83 11.62 12.14 14.23 13.93 12.58 13.24 14.51 - 13.81
Dividend Yield		 6.67% 5.34% 4.73% 4.71% 4.13% 3.87% 4.15% 3.79% 3.19% - 2.96%
Earnings Yield		 17.17% 10.17% 8.60% 8.24% 7.03% 7.18% 7.95% 7.55% 6.89% - 7.24%
Enterprise Value to Invested Capital (EV/IC)		 0.39 0.49 0.54 0.52 0.58 0.61 0.54 0.66 0.63 - 0.69
Enterprise Value to Revenue (EV/Rev)		 1.87 2.26 2.53 2.41 2.91 2.87 2.56 3.17 2.87 - 3.13
Enterprise Value to EBITDA (EV/EBITDA)		 5.05 7.42 9.03 8.86 10.90 9.39 8.14 9.96 8.74 - 8.92
Enterprise Value to EBIT (EV/EBIT)		 5.94 9.17 11.35 11.48 14.34 11.86 10.34 12.45 10.72 - 10.59
Enterprise Value to NOPAT (EV/NOPAT)		 7.61 11.57 14.25 14.20 17.53 14.84 12.86 15.64 13.58 - 13.45
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.23 6.28 8.64 6.22 10.39 11.19 16.13 19.36 8.12 - 9.98
Enterprise Value to Free Cash Flow (EV/FCFF)		 4.47 6.47 2.57 6.01 7.92 7.07 10.25 46.45 5.63 - 39.71
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.77 0.57 0.58 0.55 0.56 0.51 0.50 0.51 0.41 - 0.47
Long-Term Debt to Equity		 0.76 0.55 0.58 0.55 0.56 0.51 0.49 0.50 0.40 - 0.47
Financial Leverage		 0.79 0.62 0.70 0.60 0.66 0.54 0.54 0.53 0.48 - 0.48
Leverage Ratio		 9.78 9.34 9.23 9.34 9.31 9.04 9.06 8.93 8.72 - 8.78
Compound Leverage Factor		 9.78 9.34 9.23 9.34 9.31 9.04 9.06 8.93 8.72 - 8.78
Debt to Total Capital		 43.46% 36.47% 36.76% 35.41% 35.89% 33.83% 33.12% 33.61% 29.20% - 32.00%
Short-Term Debt to Total Capital		 0.57% 1.32% 0.02% 0.01% 0.04% 0.00% 0.13% 0.66% 0.59% - 0.14%
Long-Term Debt to Total Capital		 42.89% 35.15% 36.74% 35.40% 35.85% 33.83% 32.99% 32.96% 28.62% - 31.86%
Preferred Equity to Total Capital		 4.98% 5.26% 5.36% 5.72% 5.43% 5.76% 5.68% 5.56% 5.79% - 5.49%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Common Equity to Total Capital		 51.56% 58.28% 57.88% 58.88% 58.68% 60.40% 61.20% 60.83% 65.01% - 62.52%
Debt to EBITDA		 5.63 5.57 6.12 6.07 6.70 5.20 5.04 5.11 4.02 - 4.14
Net Debt to EBITDA		 0.60 0.77 0.81 0.35 1.15 0.49 0.04 1.42 -0.64 - -0.28
Long-Term Debt to EBITDA		 5.56 5.37 6.11 6.06 6.69 5.20 5.02 5.01 3.94 - 4.12
Debt to NOPAT		 8.49 8.69 9.65 9.73 10.76 8.22 7.95 8.02 6.25 - 6.23
Net Debt to NOPAT		 0.90 1.21 1.27 0.56 1.85 0.77 0.06 2.23 -0.99 - -0.43
Long-Term Debt to NOPAT		 8.38 8.38 9.65 9.73 10.75 8.22 7.92 7.87 6.13 - 6.21
Noncontrolling Interest Sharing Ratio		 8.75% 8.39% 8.40% 8.69% 8.63% 8.49% 8.49% 8.60% 8.32% - 8.28%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 1,888 1,455 6,834 2,223 1,955 2,060 767 -620 2,901 - -789
Operating Cash Flow to CapEx		 3,075.76% 1,395.83% 5,540.00% 2,780.00% 382.35% 1,006.25% -1,521.43% 2,684.85% 4,845.71% - 0.00%
Free Cash Flow to Firm to Interest Expense		 1.76 1.22 5.85 1.91 1.67 1.96 0.80 -0.64 2.99 - -0.92
Operating Cash Flow to Interest Expense		 0.95 0.56 0.47 0.72 0.11 0.46 -0.22 0.91 1.75 - 0.28
Operating Cash Flow Less CapEx to Interest Expense		 0.92 0.52 0.47 0.69 0.08 0.41 -0.24 0.88 1.71 - 0.28
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 - 0.04
Fixed Asset Turnover		 9.90 9.46 9.27 9.11 8.98 8.82 9.02 9.15 9.40 - 9.81
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 40,464 38,314 37,574 36,953 38,891 36,655 37,180 38,009 36,484 - 38,486
Invested Capital Turnover		 0.20 0.21 0.20 0.21 0.20 0.21 0.21 0.21 0.21 - 0.22
Increase / (Decrease) in Invested Capital		 -1,458 -1,266 -6,500 -1,831 -1,573 -1,659 -394 1,056 -2,407 - 1,306
Enterprise Value (EV)		 15,769 18,608 20,390 19,101 22,737 22,396 19,910 24,898 23,147 - 26,569
Market Capitalization		 11,893 14,655 16,554 16,235 18,229 19,118 17,709 19,238 22,725 - 25,304
Book Value per Share		 $44.18 $47.89 $47.14 $47.82 $50.90 $50.24 $52.05 $53.32 $54.99 - $56.62
Tangible Book Value per Share		 $26.49 $29.99 $29.07 $29.52 $32.34 $31.33 $33.01 $34.14 $35.72 - $37.01
Total Capital		 40,464 38,314 37,574 36,953 38,891 36,655 37,180 38,009 36,484 - 38,486
Total Debt		 17,586 13,972 13,813 13,084 13,959 12,401 12,314 12,775 10,655 - 12,314
Total Long-Term Debt		 17,354 13,467 13,804 13,082 13,944 12,401 12,267 12,526 10,441 - 12,260
Net Debt		 1,862 1,939 1,822 754 2,396 1,165 88 3,547 -1,689 - -846
Capital Expenditures (CapEx)		 33 48 10 30 34 48 14 33 35 - 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 17,586 13,972 13,813 13,084 13,959 12,401 12,314 12,775 10,655 - 12,314
Total Depreciation and Amortization (D&A)		 122 126 102 143 129 124 123 124 119 - 113
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.85 $0.36 $0.66 $0.79 $0.77 $0.83 $0.78 $0.93 $1.06 $1.13 $1.14
Adjusted Weighted Average Basic Shares Outstanding		 469.48M 475.09M 461.36M 454.14M 446.56M 450.68M 438.32M 433.64M 431.37M 433.17M 425.34M
Adjusted Diluted Earnings per Share		 $0.85 $0.36 $0.65 $0.78 $0.77 $0.83 $0.77 $0.92 $1.05 $1.12 $1.13
Adjusted Weighted Average Diluted Shares Outstanding		 471.18M 476.69M 463.80M 456.56M 449.91M 453.51M 442.20M 436.54M 435.47M 436.89M 429.89M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 466.22M 458.76M 455.02M 448.30M 440.70M 437.14M 433.65M 431.35M 429.49M 424.98M 422.88M
Normalized Net Operating Profit after Tax (NOPAT)		 430 189 334 392 382 401 373 436 494 - 517
Normalized NOPAT Margin		 21.35% 9.51% 17.05% 19.97% 20.09% 20.19% 19.28% 21.40% 23.32% - 23.85%
Pre Tax Income Margin		 27.26% 10.31% 21.95% 24.45% 24.72% 25.58% 24.19% 27.20% 29.70% - 29.98%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.51 0.17 0.37 0.41 0.40 0.48 0.49 0.57 0.65 - 0.76
NOPAT to Interest Expense		 0.40 0.16 0.29 0.34 0.33 0.38 0.39 0.45 0.51 - 0.60
EBIT Less CapEx to Interest Expense		 0.48 0.13 0.36 0.39 0.37 0.44 0.47 0.54 0.61 - 0.76
NOPAT Less CapEx to Interest Expense		 0.37 0.12 0.28 0.31 0.30 0.34 0.37 0.42 0.47 - 0.60
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 44.93% 57.71% 64.15% 67.88% 69.93% 59.84% 57.82% 55.84% 51.70% - 45.77%
Augmented Payout Ratio		 95.95% 114.05% 120.48% 123.64% 133.54% 129.42% 119.19% 115.52% 92.78% - 81.22%

Financials Breakdown Chart

Key Financial Trends

Here are the key takeaways on Citizens Financial Group (CFG) from the last four years of quarterly statements, focusing on the four most recent quarters (Q1–Q4 2025) and notable longer-term trends evident in the data you provided.

  • Earnings per share rising: Diluted earnings per share (EPS) advanced to 1.12 in Q4 2025, up from 1.05 in Q3 2025, signaling improving profitability on a per-share basis.
  • Revenue moving higher through 2025: Total revenue grew to about $2.157 billion in Q4 2025, up from roughly $2.118 billion in Q3 2025 and $1.936 billion in Q1 2025.
  • Net interest income up quarter-to-quarter: Net interest income rose each quarter in 2025, reaching about $1.537 billion in Q4 2025 (vs. ~1.488B in Q3 2025), indicating stronger core banking funding and lending yields.
  • Loans and leases net of allowance showing growth: Loans and Leases net of allowance reached roughly $138.9 billion by Q3 2025 (up from about $135.6 billion in Q1 2025), signaling ongoing loan growth.
  • Non-interest income remains steady: Non-interest income stayed in the mid-$500 millions to low-$600 millions range in 2025 (e.g., about $0.54B in Q1 2025, $0.60B in Q2, $0.63B in Q3, and $0.62B in Q4), contributing consistently to revenue without dramatic swings.
  • Non-interest expense remains stable: Total non-interest expense hovered around $1.30B–$1.34B per quarter in 2025, suggesting ongoing cost discipline as revenue rose.
  • Asset base remains large and broadly stable: Total assets stayed in the $221–223 billion range across 2025, indicating a balance-sheet scale that supports continued lending activity while maintaining liquidity.
  • Capital base remains solid: Total common equity around $23.7 billion and total shareholders’ equity around $25.8 billion by Q4 2025, supporting capitalization and financial flexibility.
  • Quarterly operating cash flow pressured in Q4 2025: Net cash from continuing operating activities was negative in Q4 2025 (about -$158 million), signaling a temporary cash-flow weakness despite earnings strength.
  • Credit losses fluctuated and remained a consideration: Provision for credit losses was elevated mid-2025 (peaking around $164 million in Q2 2025) and was still meaningful in Q3–Q4, indicating ongoing credit risk to monitor.
05/09/26 04:12 PM ETAI Generated. May Contain Errors.

Citizens Financial Group Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Citizens Financial Group's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Citizens Financial Group's net income appears to be on an upward trend, with a most recent value of $1.83 billion in 2025, rising from $840 million in 2015. The previous period was $1.51 billion in 2024. See where experts think Citizens Financial Group is headed by visiting Citizens Financial Group's forecast page.

Over the last 10 years, Citizens Financial Group's total revenue changed from $4.82 billion in 2015 to $8.25 billion in 2025, a change of 71.0%.

Citizens Financial Group's total liabilities were at $200.03 billion at the end of 2025, a 3.5% increase from 2024, and a 68.7% increase since 2015.

In the past 10 years, Citizens Financial Group's cash and equivalents has ranged from $3.03 billion in 2017 to $12.73 billion in 2020, and is currently $12.73 billion as of their latest financial filing in 2025.


Related Companies

Financial statements for NYSE:CFG last updated on 5/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
From Our Partners
SpaceX eyes a 1.75 trillion valuation - here's what to know
Elon Musk's team has quietly filed confidential paperwork with the SEC for what Bloomberg estimates could be a...
Brownstone Research | Sponsoredtc pixel
$30 stock to buy before Starlink goes public (WATCH NOW!)
A little-known stock pick with money-doubling potential over the next year is revealed for free in the first t...
Paradigm Press | Sponsoredtc pixel
Iran's New Leader Just Said Something That Should Terrify Every American
Iran's Supreme Leader has declared the Strait of Hormuz closed as leverage against the U.S. - and with 40% of ...
American Alternative | Sponsoredtc pixel
Your book attached
Your Download Link (Expiring) If you still haven't downloaded the free Simple Options Trading For Beginners...
Profits Run | Sponsoredtc pixel
My feud with Zohran Mamdani
Emmy-winning analyst releases his next big story Whitney Tilson shocked the nation on 60 Minutes when he ac...
Stansberry Research | Sponsoredtc pixel
Trade this between 9:30 and 10:45 am EST
The first 75 minutes of the trading day may be the most overlooked window for consistent opportunities.If you ...
Base Camp Trading | Sponsoredtc pixel
Iran War Shock: What I Was Told In That Private Meeting
You’re Being LIED To About The Iran War Forget EVERYTHING you’ve heard about the Iran war. Especially th...
Banyan Hill Publishing | Sponsoredtc pixel
Elon’s AI supercomputer just went live. Here’s my #1 stock.
Is Elon about to trigger another 315X opportunity? Elon gave Tesla investors the chance to make more than 3...
InvestorPlace | Sponsoredtc pixel