What is Citizens Finl Group Inc's earnings per share (EPS)?

Citizens Finl Group Inc (CFG) reported diluted earnings per share of $3.86 for fiscal year 2025. This represents a 27.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Citizens Finl Group Inc Financials

CFG

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Citizens Finl Group Inc (CFG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 13 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).

Rhea AI CFG FY2025 2026-05-04

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 $226.4B of assets producing only 0.8% ROA in FY2025, small spread changes can move earnings materially; this is a balance-sheet business, not a simple sales-growth story. Even after the FY2025 improvement, ROE of 7.0% remained below FY2021’s 9.9%, which means the franchise is still using its capital less efficiently than it did before funding costs surged.

Capital return was internally funded in FY2025: operating cash flow of $2.2B covered about $1.4B of dividends and buybacks. Meanwhile, debt-to-equity fell to 0.4x and retained earnings reached $11.3B, showing that shareholder payouts did not stop the bank from rebuilding capital.

Financial Health Signals

Financial Profile 25/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

Growth

Citizens Finl Group Inc's revenue grew 5.6% year-over-year to $8.2B, a solid pace of expansion. This earns a growth score of 34/100.

Leverage

Citizens Finl Group Inc carries a low D/E ratio of 0.43, meaning only $0.43 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 93/100, indicating a strong balance sheet with room for future borrowing.

Returns

Citizens Finl Group Inc generates a 7.0% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 26/100. This is up from 6.2% the prior year.

Piotroski F-Score Strong

7/9

Citizens Finl Group Inc passes 7 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.21x

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

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Earnings & Revenue

Revenue

$8.2B

YoY+5.6%

5Y CAGR+3.6%

10Y CAGR+5.2%

Citizens Finl Group Inc generated $8.2B in revenue in fiscal year 2025. This represents an increase of 5.6% from the prior year.

EBITDA

N/A

Net Income

$1.8B

YoY+21.3%

5Y CAGR+11.6%

10Y CAGR+7.8%

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.

EPS (Diluted)

$3.86

YoY+27.4%

5Y CAGR+11.7%

10Y CAGR+9.6%

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.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$12.7B

YoY+20.1%

5Y CAGR-0.0%

10Y CAGR+14.5%

Citizens Finl Group Inc held $12.7B in cash against $11.2B in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.72

YoY+2.4%

5Y CAGR+2.0%

10Y CAGR+1.9%

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.

Shares Outstanding

425M

YoY-2.8%

5Y CAGR-0.0%

10Y CAGR-2.5%

Citizens Finl Group Inc had 425M shares outstanding in fiscal year 2025. This represents a decrease of 2.8% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

22.2%

YoY+2.9pp

5Y CAGR+6.9pp

10Y CAGR+4.8pp

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.

Return on Equity

7.0%

YoY+0.7pp

5Y CAGR+2.3pp

10Y CAGR+2.5pp

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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$600.0M

YoY-42.9%

5Y CAGR+17.3%

10Y CAGR+6.0%

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.

Capital Expenditures

N/A

CFG Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$8.2B+5.6%	$7.8B-5.0%	$8.2B+2.5%	$8.0B+20.7%	$6.6B-3.7%	$6.9B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$2.8B+5.3%	$2.7B+2.2%	$2.6B+2.0%	$2.5B+19.6%	$2.1B+0.4%	$2.1B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$3.8B-16.3%	$4.6B+14.9%	$4.0B+278.1%	$1.0B+209.1%	$339.0M-56.0%	$771.0M
Income Tax	$497.0M+31.1%	$379.0M-10.2%	$422.0M-27.5%	$582.0M-11.6%	$658.0M+173.0%	$241.0M
Net Income	$1.8B+21.3%	$1.5B-6.2%	$1.6B-22.4%	$2.1B-10.6%	$2.3B+119.4%	$1.1B
EPS (Diluted)	$3.86+27.4%	$3.03-3.2%	$3.13-23.7%	$4.10-20.5%	$5.16+132.4%	$2.22

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$2.2B+0.5%	$2.2B+1.8%	$2.1B+4.0%	$2.0B+5.3%	$1.9B-2.6%	$2.0B+4.5%	$1.9B-3.2%	$2.0B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$758.0M+5.9%	$716.0M+1.6%	$705.0M+3.5%	$681.0M-2.2%	$696.0M+3.3%	$674.0M+4.2%	$647.0M+0.3%	$645.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$858.0M-5.6%	$909.0M-6.3%	$970.0M0.0%	$970.0M+0.9%	$961.0M-8.5%	$1.1B-10.3%	$1.2B+0.4%	$1.2B
Income Tax	$133.0M-10.7%	$149.0M+10.4%	$135.0M+14.4%	$118.0M+24.2%	$95.0M-11.2%	$107.0M+21.6%	$88.0M0.0%	$88.0M
Net Income	$517.0M-2.1%	$528.0M+6.9%	$494.0M+13.3%	$436.0M+16.9%	$373.0M-7.0%	$401.0M+5.0%	$382.0M-2.6%	$392.0M
EPS (Diluted)	$1.13	N/A	$1.05+14.1%	$0.92+19.5%	$0.77	N/A	$0.77-1.3%	$0.78

CFG Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$226.4B+4.1%	$217.5B-2.0%	$222.0B-2.1%	$226.7B+20.3%	$188.4B+2.8%	$183.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	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
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$8.2B0.0%	$8.2B0.0%	$8.2B+0.2%	$8.2B+14.9%	$7.1B+0.9%	$7.0B
Total Liabilities	$200.0B+3.5%	$193.3B-2.2%	$197.6B-2.7%	$203.0B+23.1%	$165.0B+2.7%	$160.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	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
Total Equity	$26.3B+8.5%	$24.3B-0.4%	$24.3B+2.8%	$23.7B+1.2%	$23.4B+3.3%	$22.7B
Retained Earnings	$11.3B+9.0%	$10.4B+6.1%	$9.8B+7.2%	$9.2B+14.8%	$8.0B+23.8%	$6.4B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$227.9B+0.7%	$226.4B+1.6%	$222.7B+2.0%	$218.3B-0.8%	$220.1B+1.2%	$217.5B-1.0%	$219.7B-0.1%	$219.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$12.3B-3.1%	$12.7B+9.2%	$11.7B+36.3%	$8.5B-25.9%	$11.5B+8.9%	$10.6B-2.9%	$10.9B-7.3%	$11.8B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$8.2B+0.4%	$8.2B0.0%	$8.2B0.0%	$8.2B0.0%	$8.2B0.0%	$8.2B0.0%	$8.2B0.0%	$8.2B
Total Liabilities	$201.7B+0.9%	$200.0B+1.6%	$196.9B+2.0%	$193.1B-1.1%	$195.3B+1.0%	$193.3B-0.8%	$194.8B-0.7%	$196.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$12.3B+9.2%	$11.2B+7.5%	$10.4B-16.6%	$12.5B+2.1%	$12.3B-1.1%	$12.4B-11.1%	$13.9B+6.6%	$13.1B
Total Equity	$26.2B-0.6%	$26.3B+1.9%	$25.8B+2.4%	$25.2B+1.5%	$24.9B+2.5%	$24.3B-2.7%	$24.9B+4.5%	$23.9B
Retained Earnings	$11.6B+2.5%	$11.3B+2.6%	$11.1B+2.5%	$10.8B+2.1%	$10.6B+1.5%	$10.4B+1.7%	$10.2B+1.5%	$10.1B

CFG Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$2.2B+10.5%	$2.0B-32.4%	$3.0B-28.1%	$4.1B+81.1%	$2.3B+1949.5%	$111.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$6.0B-299.8%	$3.0B-43.1%	$5.2B+141.5%	-$12.6B-20.5%	-$10.5B-70.9%	-$6.1B
Financing Cash Flow	$5.9B+197.8%	-$6.0B+15.6%	-$7.1B-171.9%	$9.9B+113.7%	$4.6B-69.8%	$15.4B
Dividends Paid	$755.0M-1.8%	$769.0M-4.8%	$808.0M+3.7%	$779.0M+16.3%	$670.0M-0.3%	$672.0M
Share Buybacks	$600.0M-42.9%	$1.1B+15.9%	$906.0M+492.2%	$153.0M-48.1%	$295.0M+9.3%	$270.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$237.0M+250.0%	-$158.0M-109.3%	$1.7B+91.4%	$886.0M+516.0%	-$213.0M-144.1%	$483.0M+271.5%	$130.0M-84.4%	$834.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$1.8B+6.8%	-$1.9B-29.2%	-$1.5B-4.8%	-$1.4B-28.9%	-$1.1B-168.9%	$1.6B+898.8%	$161.0M-10.1%	$179.0M
Financing Cash Flow	$1.2B-63.1%	$3.2B+9.2%	$2.9B+218.4%	-$2.5B-208.4%	$2.3B+194.0%	-$2.4B-109.7%	-$1.1B-36.4%	-$841.0M
Dividends Paid	$198.0M-1.0%	$200.0M+8.7%	$184.0M-0.5%	$185.0M-0.5%	$186.0M-75.8%	$769.0M+304.7%	$190.0M-2.1%	$194.0M
Share Buybacks	$300.0M+140.0%	$125.0M+66.7%	$75.0M-62.5%	$200.0M0.0%	$200.0M-11.1%	$225.0M-30.8%	$325.0M+62.5%	$200.0M

CFG Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	22.2%+2.9pp	19.3%-0.2pp	19.6%-6.3pp	25.8%-9.0pp	34.9%+19.6pp	15.3%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.43-0.1	0.51-0.0	0.55-0.1	0.67+0.4	0.30-0.1	0.37
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.8%-0.6pp	24.5%+1.2pp	23.3%+1.9pp	21.4%+2.1pp	19.3%-0.9pp	20.2%+0.1pp	20.1%+0.1pp	20.0%
Return on Equity	2.0%-0.0pp	2.0%+0.1pp	1.9%+0.2pp	1.7%+0.2pp	1.5%-0.2pp	1.7%+0.1pp	1.5%-0.1pp	1.6%
Return on Assets	0.2%0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.47+0.0	0.43+0.0	0.40-0.1	0.500.0	0.49-0.0	0.51-0.0	0.56+0.0	0.55
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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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.

Does Citizens Finl Group Inc buy back shares?

Yes, Citizens Finl Group Inc (CFG) spent $600.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Citizens Finl Group Inc have outstanding?

Citizens Finl Group Inc (CFG) had 425M shares outstanding as of fiscal year 2025.

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 9, indicating strong financial health. 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 25 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.