A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 3, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CFG SEC filings page.
Citizens Financial Group, Inc. (CFG) reported $8.7B in revenue over the twelve months to Jun 30, 2026, up 11.0% from the prior twelve months. 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 runs an asset-heavy balance sheet where 2025 earnings recovered, yet returns remain modest relative to the capital employed.
2025 marked an earnings recovery: net income reached$1.83B from$1.51B in FY2024, while return on assets improved to0.8% from0.7% . The improvement coincided with lower debt-to-equity of 0.4x versus 0.5x, suggesting both better profitability and a less debt-heavy capital structure rather than growth coming purely from added leverage.
Balance-sheet scale changes the right analytical lens: total assets were
Cash generation exceeded reported profit in both FY2024 and FY2025, but the cushion narrowed from about
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 Financial 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.
Citizens Financial Group, Inc. earned a return on assets of 0.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.7% the prior year. Earnings ranks banks on that return over three years, and Citizens Financial Group, Inc. scores 40/100 among other banks.
Citizens Financial Group, Inc. reported revenue of $8.2B in fiscal year 2025, against $7.8B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Citizens Financial Group, Inc. scores 18/100 among other banks.
Citizens Financial Group, Inc. funded 11.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $26.3B of equity against $226.4B of assets. Capital ranks banks on that cushion, and Citizens Financial Group, Inc. scores 54/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Citizens Financial Group, Inc. scores 45/100 on it among other banks.
Not available for Citizens Financial Group, Inc., and counted as zero in the overall score.
Citizens Financial Group, Inc. reported net income of $1.8B in fiscal year 2025, against $1.5B in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Citizens Financial Group, Inc. scores 71/100 among other banks.
Citizens Financial 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 Financial 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 Financial Group, Inc. generated $2.3B in revenue in Q2 2026. This represents an increase of 12.1% from the same quarter a year earlier. Against the prior quarter it is up 5.3%.
Citizens Financial Group, Inc. reported $587.0M in net income in Q2 2026. This represents an increase of 34.6% from the same quarter a year earlier. Against the prior quarter it is up 13.5%.
Citizens Financial Group, Inc. earned $1.30 per diluted share (EPS) in Q2 2026. This represents an increase of 41.3% from the same quarter a year earlier. Against the prior quarter it is up 15.0%.
Not reported for Q2 2026.
Cash & Balance Sheet
Citizens Financial Group, Inc. held $12.8B in cash against $15.2B in long-term debt as of Q2 2026.
Citizens Financial Group, Inc. paid $0.46 per share in dividends in Q2 2026. This represents an increase of 9.5% from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q2 2026.
Margins & Returns
Citizens Financial Group, Inc.'s net profit margin was 25.7% in Q2 2026, showing the share of revenue converted to profit. This is up 4.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.9 percentage points.
Citizens Financial Group, Inc.'s ROE was 2.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Citizens Financial Group, Inc. spent $225.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 12.5% from the same quarter a year earlier. Against the prior quarter it is down 25.0%.
Not reported for Q2 2026.
Not reported for Q2 2026.
CFG Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.3B+12.1% | $2.2B+12.0% | $2.2B+8.6% | $2.1B+11.4% | $2.0B+3.8% | $1.9B-1.2% | $2.0B-0.1% | $1.9B-5.6% |
| SG&A Expenses | $745.0M+9.4% | $758.0M+8.9% | $716.0M+6.2% | $705.0M+9.0% | $681.0M+5.6% | $696.0M+0.7% | $674.0M+1.0% | $647.0M-1.8% |
| Interest Expense | $912.0M-6.0% | $858.0M-10.7% | $909.0M-13.4% | $970.0M-17.1% | $970.0M-16.7% | $961.0M-17.7% | $1.1B-11.6% | $1.2B+9.0% |
| Income Tax | $168.0M+42.4% | $133.0M+40.0% | $149.0M+39.3% | $135.0M+53.4% | $118.0M+34.1% | $95.0M-1.0% | $107.0M+568.8% | $88.0M-26.1% |
| Net Income | $587.0M+34.6% | $517.0M+38.6% | $528.0M+31.7% | $494.0M+29.3% | $436.0M+11.2% | $373.0M+11.7% | $401.0M+112.2% | $382.0M-11.2% |
| EPS (Basic) | $1.31+40.9% | $1.14+46.2% | $1.14+35.7% | $1.06+37.7% | $0.93+17.7% | $0.78+18.2% | $0.84+140.0% | $0.77-9.4% |
| EPS (Diluted) | $1.30+41.3% | $1.13+46.8% | $1.12+34.9% | $1.05+36.4% | $0.92+17.9% | $0.77+18.5% | $0.83+137.1% | $0.77-9.4% |
| Diluted Shares (Avg) | 427M-2.3% | 430M-2.8% | N/A | 435M-3.2% | 437M-4.4% | 442M-4.7% | N/A | 450M-4.5% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
CFG Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $233.8B+7.1% | $227.9B+3.5% | $226.4B+4.1% | $222.7B+1.4% | $218.3B-0.7% | $220.1B-0.1% | $217.5B-2.0% | $219.7B-2.5% |
| Cash & Equivalents | $12.8B+49.3% | $12.3B+6.8% | $12.7B+20.1% | $11.7B+6.7% | $8.5B-27.4% | $11.5B-0.5% | $10.6B-8.8% | $10.9B-29.1% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $8.2B+0.4% | $8.2B+0.4% | $8.2B0.0% | $8.2B0.0% | $8.2B0.0% | $8.2B0.0% | $8.2B0.0% | $8.2B0.0% |
| Total Liabilities | $207.7B+7.5% | $201.7B+3.3% | $200.0B+3.5% | $196.9B+1.1% | $193.1B-1.5% | $195.3B-0.7% | $193.3B-2.2% | $194.8B-3.8% |
| Long-Term Debt | $15.2B+21.3% | $12.3B-0.1% | $11.2B-9.5% | $10.4B-25.1% | $12.5B-4.3% | $12.3B-11.1% | $12.4B-7.9% | $13.9B-19.6% |
| Total Equity | $26.2B+3.8% | $26.2B+5.3% | $26.3B+8.5% | $25.8B+3.6% | $25.2B+5.7% | $24.9B+4.7% | $24.3B-0.4% | $24.9B+9.0% |
| Retained Earnings | $12.0B+11.2% | $11.6B+10.1% | $11.3B+9.0% | $11.1B+8.0% | $10.8B+7.0% | $10.6B+6.5% | $10.4B+6.1% | $10.2B+3.8% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $726.0M-18.1% | $237.0M+211.3% | -$158.0M-132.7% | $1.7B+1204.6% | $886.0M+6.2% | -$213.0M-138.4% | $483.0M-27.9% | $130.0M-87.2% |
| Depreciation & Amortization | $99.0M-20.2% | $113.0M-8.1% | $112.0M-9.7% | $119.0M-7.8% | $124.0M-13.3% | $123.0M+20.6% | $124.0M-1.6% | $129.0M+5.7% |
| Stock-Based Compensation | N/A | $33.0M+6.5% | N/A | N/A | N/A | $31.0M-8.8% | N/A | N/A |
| Investing Cash Flow | -$5.5B-282.4% | -$1.8B-62.6% | -$1.9B-220.3% | -$1.5B-1029.8% | -$1.4B-897.8% | -$1.1B-206.6% | $1.6B+614.7% | $161.0M-57.9% |
| Financing Cash Flow | $5.2B+310.7% | $1.2B-48.3% | $3.2B+231.8% | $2.9B+353.1% | -$2.5B-191.4% | $2.3B+239.4% | -$2.4B+48.5% | -$1.1B-147.1% |
| Dividends Paid | $198.0M+7.0% | $198.0M+6.5% | $200.0M-74.0% | $184.0M-3.2% | $185.0M-4.6% | $186.0M-5.6% | $769.0M+286.4% | $190.0M-4.5% |
| Share Buybacks | $225.0M+12.5% | $300.0M+50.0% | $125.0M-44.4% | $75.0M-76.9% | $200.0M0.0% | $200.0M-33.3% | $225.0M | $325.0M+30.0% |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.
CFG Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 25.7%+4.3pp | 23.8%+4.6pp | 24.5%+4.3pp | 23.3%+3.2pp | 21.4%+1.4pp | 19.3%+2.2pp | 20.2%+10.7pp | 20.1%-1.3pp |
| Return on Equity | 2.2%+0.5pp | 2.0%+0.5pp | 2.0%+0.4pp | 1.9%+0.4pp | 1.7%+0.1pp | 1.5%+0.1pp | 1.7%+0.9pp | 1.5%-0.4pp |
| Return on Assets | 0.3%+0.1pp | 0.2%+0.1pp | 0.2%+0.1pp | 0.2%+0.1pp | 0.2%0.0pp | 0.2%0.0pp | 0.2%+0.1pp | 0.2%0.0pp |
| Debt-to-Equity | 0.58+0.1x | 0.470.0x | 0.43-0.1x | 0.40-0.2x | 0.50-0.1x | 0.49-0.1x | 0.510.0x | 0.56-0.2x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Citizens Financial Group, Inc. CFG | FY2025 | $8.2B | $1.8B | 22.2% | $27.1B | 38/100 |
| Regions Financial Corp. RF | FY2025 | $7.5B | $2.2B | 28.6% | $23.1B | 56/100 |
| Huntington Bancshares Inc HBAN | FY2025 | $8.2B | $2.2B | 27.1% | $31.0B | 44/100 |
| First Citizens BancShares Inc FCNCA | FY2025 | $9.5B | $2.2B | 23.1% | $23.4B | 42/100 |
| Shinhan Financial Group Co Ltd SHG | FY2010 | $10.6B | $2.5B | 23.8% | $36.6B | — |
Where Citizens Financial Group, Inc. Ranks
Frequently Asked Questions
What is Citizens Financial Group, Inc.'s annual revenue?
Citizens Financial 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 Financial Group, Inc.'s revenue growing?
Citizens Financial Group, Inc. (CFG) revenue grew by 5.6% year-over-year, from $7.8B to $8.2B in fiscal year 2025.
Is Citizens Financial Group, Inc. profitable?
Yes, Citizens Financial 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 Financial Group, Inc. have?
As of fiscal year 2025, Citizens Financial Group, Inc. (CFG) had $12.7B in cash and equivalents against $11.2B in long-term debt.
What is Citizens Financial Group, Inc.'s net profit margin?
Citizens Financial 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 Financial Group, Inc. pay dividends?
Yes, Citizens Financial Group, Inc. (CFG) paid $1.72 per share in dividends during fiscal year 2025.
What is Citizens Financial Group, Inc.'s return on equity (ROE)?
Citizens Financial 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 Financial Group, Inc.'s operating cash flow?
Citizens Financial Group, Inc. (CFG) generated $2.2B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Citizens Financial Group, Inc.'s total assets?
Citizens Financial Group, Inc. (CFG) had $226.4B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Citizens Financial Group, Inc.'s debt-to-equity ratio?
Citizens Financial 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 Financial Group, Inc.'s return on assets (ROA)?
Citizens Financial 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 Financial Group, Inc.'s P/E ratio?
Citizens Financial Group, Inc. (CFG) trades at 12.7x earnings, its market capitalization divided by net income of $2.1B net income, trailing 12 months to June 30, 2026. The market capitalization is $27.1B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Citizens Financial Group, Inc.'s price-to-sales ratio?
Citizens Financial Group, Inc. (CFG) trades at 3.1x sales, its market capitalization divided by revenue of $8.7B revenue, trailing 12 months to June 30, 2026. The market capitalization is $27.1B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Citizens Financial Group, Inc.'s Piotroski F-Score?
Citizens Financial 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 Financial Group, Inc.'s earnings high quality?
Citizens Financial 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 Financial Group, Inc.?
Citizens Financial Group, Inc. (CFG) scores 38 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.