Citizens Finl Group Inc Financials
Citizens Finl Group Inc (CFG) reported $8.2B in revenue for fiscal year 2025, up 5.6% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 14 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Citizens’ earnings engine is driven more by funding-cost swings on a huge balance sheet than by simple revenue growth.
Revenue was nearly flat between FY2024 and FY2025, yet net income rose from$1.5B to$1.8B . Because interest expense fell from$4.6B to$3.8B , the rebound looks more like funding-cost relief than a meaningfully larger business, a sign that liability pricing mattered as much as customer activity.
With
Capital return was internally funded in FY2025: operating cash flow of
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Citizens Finl Group Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Citizens Finl Group Inc, and counted as zero in the overall score.
Citizens Finl Group Inc passes 7 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Citizens Finl Group Inc generates $1.21 in operating cash flow ($2.2B OCF vs $1.8B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Citizens Finl Group Inc generated $8.2B in revenue in fiscal year 2025. This represents an increase of 5.6% from the prior year.
Citizens Finl Group Inc reported $1.8B in net income in fiscal year 2025. This represents an increase of 21.3% from the prior year.
Citizens Finl Group Inc earned $3.86 per diluted share (EPS) in fiscal year 2025. This represents an increase of 27.4% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Citizens Finl Group Inc held $12.7B in cash against $11.2B in long-term debt as of fiscal year 2025.
Citizens Finl Group Inc paid $1.72 per share in dividends in fiscal year 2025. This represents an increase of 2.4% from the prior year.
Not reported for fiscal year 2025.
Margins & Returns
Citizens Finl Group Inc's net profit margin was 22.2% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.9 percentage points from the prior year.
Citizens Finl Group Inc's ROE was 7.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.7 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Citizens Finl Group Inc spent $600.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 42.9% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
CFG Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $8.7B | $8.2B+5.6% | $7.8B-5.0% | $8.2B+2.5% | $8.0B+20.7% | $6.6B-3.7% | $6.9B+6.4% | $6.5B+5.9% | $6.1B+7.4% | $5.7B+8.6% | $5.3B+8.9% | $4.8B-3.1% | $5.0B+6.2% | $4.7B-4.2% | $4.9B |
| SG&A Expenses | $2.9B | $2.8B+5.3% | $2.7B+2.2% | $2.6B+2.0% | $2.5B+19.6% | $2.1B+0.4% | $2.1B+4.8% | $2.0B+7.8% | $1.9B+6.5% | $1.8B+3.0% | $1.7B+4.8% | $1.6B-2.5% | $1.7B+1.6% | $1.7B-5.2% | $1.7B |
| Interest Expense | $3.6B | $3.8B-16.3% | $4.6B+14.9% | $4.0B+278.1% | $1.0B+209.1% | $339.0M-56.0% | $771.0M-51.0% | $1.6B+28.5% | $1.2B+64.1% | $747.0M+47.0% | $508.0M+12.4% | $452.0M+24.5% | $363.0M-18.1% | $443.0M-28.4% | $619.0M |
| Income Tax | $585.0M | $497.0M+31.1% | $379.0M-10.2% | $422.0M-27.5% | $582.0M-11.6% | $658.0M+173.0% | $241.0M-47.6% | $460.0M-0.4% | $462.0M+77.7% | $260.0M-46.8% | $489.0M+15.6% | $423.0M+5.0% | $403.0M+1059.5% | -$42.0M-111.0% | $381.0M |
| Net Income | $2.1B | $1.8B+21.3% | $1.5B-6.2% | $1.6B-22.4% | $2.1B-10.6% | $2.3B+119.4% | $1.1B-41.0% | $1.8B+4.1% | $1.7B+4.2% | $1.7B+58.1% | $1.0B+24.4% | $840.0M-2.9% | $865.0M+125.2% | -$3.4B-632.8% | $643.0M |
| EPS (Diluted) | — | $3.86+27.4% | $3.03-3.2% | $3.13-23.7% | $4.10-20.5% | $5.16+132.4% | $2.22-41.7% | $3.81+8.2% | $3.52+8.3% | $3.25+65.0% | $1.97+27.1% | $1.550.0% | $1.55+125.3% | -$6.12-632.2% | $1.15 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
CFG Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $226.4B+4.1% | $217.5B-2.0% | $222.0B-2.1% | $226.7B+20.3% | $188.4B+2.8% | $183.3B+10.6% | $165.7B+3.2% | $160.5B+5.4% | $152.3B+1.9% | $149.5B+8.2% | $138.2B+4.0% | $132.9B+8.8% | $122.2B | N/A |
| Cash & Equivalents | $12.7B+20.1% | $10.6B-8.8% | $11.6B+10.2% | $10.5B+15.2% | $9.2B-28.1% | $12.7B+276.0% | $3.4B-16.9% | $4.1B+34.4% | $3.0B-18.1% | $3.7B+20.1% | $3.1B-5.8% | $3.3B+18.8% | $2.8B-10.0% | $3.1B |
| Goodwill | $8.2B0.0% | $8.2B0.0% | $8.2B+0.2% | $8.2B+14.9% | $7.1B+0.9% | $7.0B+0.1% | $7.0B+1.7% | $6.9B+0.5% | $6.9B+0.2% | $6.9B0.0% | $6.9B0.0% | $6.9B0.0% | $6.9B-39.2% | $11.3B |
| Total Liabilities | $200.0B+3.5% | $193.3B-2.2% | $197.6B-2.7% | $203.0B+23.1% | $165.0B+2.7% | $160.7B+11.9% | $143.5B+2.7% | $139.7B+5.8% | $132.1B+1.8% | $129.8B+9.5% | $118.6B+4.4% | $113.6B+10.3% | $103.0B | N/A |
| Long-Term Debt | $11.2B-9.5% | $12.4B-7.9% | $13.5B-15.2% | $15.9B+129.2% | $6.9B-16.9% | $8.3B-40.6% | $14.0B-11.8% | $15.9B+35.4% | $11.8B-8.0% | $12.8B+29.4% | $9.9B+113.0% | $4.6B+230.4% | $1.4B | N/A |
| Total Equity | $26.3B+8.5% | $24.3B-0.4% | $24.3B+2.8% | $23.7B+1.2% | $23.4B+3.3% | $22.7B+2.1% | $22.2B+6.6% | $20.8B+2.7% | $20.3B+2.6% | $19.7B+0.5% | $19.6B+2.0% | $19.3B+0.4% | $19.2B-20.4% | $24.1B |
| Retained Earnings | $11.3B+9.0% | $10.4B+6.1% | $9.8B+7.2% | $9.2B+14.8% | $8.0B+23.8% | $6.4B-0.8% | $6.5B+20.7% | $5.4B+29.3% | $4.2B+54.1% | $2.7B+41.3% | $1.9B+47.8% | $1.3B+4.8% | $1.2B | N/A |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
CFG Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.5B | $2.2B+10.5% | $2.0B-32.4% | $3.0B-28.1% | $4.1B+81.1% | $2.3B+1949.5% | $111.0M-93.5% | $1.7B-4.0% | $1.8B-6.2% | $1.9B+26.4% | $1.5B+21.2% | $1.2B-11.6% | $1.4B-47.5% | $2.6B+54.6% | $1.7B |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $126.0M-45.7% | $232.0M-8.3% | $253.0M+83.3% | $138.0M+14.0% | $121.0M-14.2% | $141.0M-11.9% | $160.0M-10.1% | $178.0M |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $1.6B+2.3% | $1.5B-5.8% | $1.6B+20.6% | $1.4B+22.0% | $1.1B-11.3% | $1.2B-49.8% | $2.5B+62.0% | $1.5B |
| Investing Cash Flow | -$10.7B | -$6.0B-299.8% | $3.0B-43.1% | $5.2B+141.5% | -$12.6B-20.5% | -$10.5B-70.9% | -$6.1B-58.3% | -$3.9B+45.2% | -$7.1B-77.6% | -$4.0B+64.8% | -$11.3B-91.8% | -$5.9B+42.5% | -$10.3B-318.8% | -$2.5B-366.9% | $919.0M |
| Financing Cash Flow | $12.4B | $5.9B+197.8% | -$6.0B+15.6% | -$7.1B-171.9% | $9.9B+113.7% | $4.6B-69.8% | $15.4B+931.7% | $1.5B-76.5% | $6.4B+344.5% | $1.4B-86.3% | $10.5B+133.1% | $4.5B-52.3% | $9.4B+1973.1% | -$502.0M+84.6% | -$3.3B |
| Dividends Paid | $780.0M | $755.0M-1.8% | $769.0M-4.8% | $808.0M+3.7% | $779.0M+16.3% | $670.0M-0.3% | $672.0M+8.9% | $617.0M+31.0% | $471.0M+46.3% | $322.0M+33.6% | $241.0M+239.4% | $71.0M-91.0% | $790.0M-33.3% | $1.2B+690.0% | $150.0M |
| Share Buybacks | $725.0M | $600.0M-42.9% | $1.1B+15.9% | $906.0M+492.2% | $153.0M-48.1% | $295.0M+9.3% | $270.0M-77.9% | $1.2B+19.0% | $1.0B+25.0% | $820.0M+90.7% | $430.0M-14.0% | $500.0M+49.7% | $334.0M | $0 | $0 |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
CFG Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 22.2%+2.9pp | 19.3%-0.2pp | 19.6%-6.3pp | 25.8%-9.0pp | 34.9%+19.6pp | 15.3%-12.3pp | 27.6%-0.5pp | 28.1%-0.9pp | 28.9%+9.1pp | 19.9%+2.5pp | 17.4%0.0pp | 17.4%+90.4pp | -73.0%-86.2pp | 13.1% |
| Return on Equity | 7.0%+0.7pp | 6.2%-0.4pp | 6.6%-2.1pp | 8.8%-1.2pp | 9.9%+5.2pp | 4.7%-3.4pp | 8.1%-0.2pp | 8.3%+0.1pp | 8.2%+2.9pp | 5.3%+1.0pp | 4.3%-0.2pp | 4.5%+22.3pp | -17.8%-20.5pp | 2.7% |
| Return on Assets | 0.8%+0.1pp | 0.7%0.0pp | 0.7%-0.2pp | 0.9%-0.3pp | 1.2%+0.7pp | 0.6%-0.5pp | 1.1%0.0pp | 1.1%0.0pp | 1.1%+0.4pp | 0.7%+0.1pp | 0.6%0.0pp | 0.7%+3.5pp | -2.8% | N/A |
| Debt-to-Equity | 0.43-0.1x | 0.510.0x | 0.55-0.1x | 0.67+0.4x | 0.30-0.1x | 0.37-0.3x | 0.63-0.1x | 0.77+0.2x | 0.58-0.1x | 0.65+0.1x | 0.50+0.3x | 0.24+0.2x | 0.07 | N/A |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | 24.2%-0.9pp | 25.1%-3.5pp | 28.6%+2.8pp | 25.7%+2.8pp | 23.0%-2.1pp | 25.1%-28.0pp | 53.1%+21.7pp | 31.4% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Citizens Finl Group Inc Ranks
Frequently Asked Questions
What is Citizens Finl Group Inc's annual revenue?
Citizens Finl Group Inc (CFG) reported $8.2B in total revenue for fiscal year 2025. This represents a 5.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Citizens Finl Group Inc's revenue growing?
Citizens Finl Group Inc (CFG) revenue grew by 5.6% year-over-year, from $7.8B to $8.2B in fiscal year 2025.
Is Citizens Finl Group Inc profitable?
Yes, Citizens Finl Group Inc (CFG) reported a net income of $1.8B in fiscal year 2025, with a net profit margin of 22.2%.
How much debt does Citizens Finl Group Inc have?
As of fiscal year 2025, Citizens Finl Group Inc (CFG) had $12.7B in cash and equivalents against $11.2B in long-term debt.
What is Citizens Finl Group Inc's net profit margin?
Citizens Finl Group Inc (CFG) had a net profit margin of 22.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Citizens Finl Group Inc pay dividends?
Yes, Citizens Finl Group Inc (CFG) paid $1.72 per share in dividends during fiscal year 2025.
What is Citizens Finl Group Inc's return on equity (ROE)?
Citizens Finl Group Inc (CFG) has a return on equity of 7.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Citizens Finl Group Inc's operating cash flow?
Citizens Finl Group Inc (CFG) generated $2.2B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Citizens Finl Group Inc's total assets?
Citizens Finl Group Inc (CFG) had $226.4B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Citizens Finl Group Inc's debt-to-equity ratio?
Citizens Finl Group Inc (CFG) had a debt-to-equity ratio of 0.43 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Citizens Finl Group Inc's return on assets (ROA)?
Citizens Finl Group Inc (CFG) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Citizens Finl Group Inc's Piotroski F-Score?
Citizens Finl Group Inc (CFG) has a Piotroski F-Score of 7 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Citizens Finl Group Inc's earnings high quality?
Citizens Finl Group Inc (CFG) has an earnings quality ratio of 1.21x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Citizens Finl Group Inc?
Citizens Finl Group Inc (CFG) scores 36 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.