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Citizens Financial Group (CFG)

NYSE Financials Regional Banks S&P 500
$63.24
-0.59 (-0.92%)
Close of Nov 06, 2026 · end-of-day data
Source: Citizens Financial Group's 10-K / 10-Q XBRL data on SEC EDGAR · fetched Nov 05, 2026

Revenue, net income & free cash flow

Income statement

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue$5.25B$5.71B$1.12B$1.17B$1.08B$1.32B$1.30B$1.27B$1.53B$1.64B
Interest expense$508.00M$747.00M$1.23B$1.57B$771.00M$339.00M$1.05B$3.96B——
Pre-tax income$1.53B$1.91B$2.18B$2.25B$1.30B$2.98B$2.65B$2.03B$1.89B$2.33B
Income tax$489.00M$260.00M$462.00M$460.00M$241.00M$658.00M$582.00M$422.00M$379.00M$497.00M
Net income$1.04B$1.65B$1.72B$1.79B$1.06B$2.32B$2.07B$1.61B$1.51B$1.83B
EPS (basic)$1.97$3.26$3.54$3.82$2.22$5.18$4.12$3.14$3.05$3.90
EPS (diluted)$1.97$3.25$3.52$3.81$2.22$5.16$4.10$3.13$3.03$3.86
Diluted shares523.93M503.69M480.43M451.21M428.16M427.44M477.80M476.69M453.51M436.89M
Net margin19.9%28.9%153.8%152.8%97.9%175.0%159.6%127.0%98.4%112.0%

Balance sheet

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash & equivalents$3.70B$3.03B$4.07B$3.39B$12.73B$9.16B$10.55B$11.63B$10.60B$12.73B
Goodwill$6.88B$6.89B$6.92B$7.04B$7.05B$7.12B$8.17B$8.19B$8.19B$8.19B
Total assets$149.52B$152.34B$160.52B$165.73B$183.35B$188.41B$226.73B$221.96B$217.52B$226.35B
Short-term debt$4.36B$2.67B$1.32B$274.00M$243.00M$74.00M$3.00M$505.00M$0$58.00M
Long-term debt$12.79B$11.77B$15.93B$14.05B$8.35B$6.93B$15.89B$13.47B$12.40B$11.22B
Total debt$17.15B$14.44B$17.24B$14.32B$8.59B$7.01B$15.89B$13.97B$12.40B$11.28B
Total liabilities$129.77B$132.07B$139.70B$143.53B$160.68B$164.99B$203.04B$197.62B$193.27B$200.03B
Shareholders' equity$19.75B$20.27B$20.82B$22.20B$22.67B$23.42B$23.69B$24.34B$24.25B$26.32B

Cash flow

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow$1.49B$1.88B$1.77B$1.70B$111.00M$2.27B$4.12B$2.96B$2.00B$2.21B
Capital expenditures$138.00M$253.00M$232.00M$126.00M——————
Free cash flow$1.35B$1.63B$1.53B$1.57B$111.00M$2.27B$4.12B$2.96B$2.00B$2.21B
Investing cash flow-$11.33B-$3.98B-$7.08B-$3.88B-$6.14B-$10.49B-$12.64B$5.25B$2.99B-$5.97B
Financing cash flow$10.46B$1.43B$6.35B$1.49B$15.37B$4.64B$9.91B-$7.13B-$6.01B$5.88B
Dividends paid$241.00M$322.00M$471.00M$617.00M$672.00M$670.00M$779.00M$808.00M$769.00M$755.00M
Share buybacks$430.00M$820.00M$1.02B$1.22B$270.00M$295.00M$153.00M$906.00M$1.05B$600.00M
Stock-based compensation$23.00M$48.00M$41.00M$41.00M$48.00M$59.00M$84.00M$87.00M$97.00M$120.00M
Depreciation & amortization$515.00M$487.00M$486.00M$633.00M$578.00M$625.00M$565.00M$478.00M$498.00M$478.00M

Quarterly figures are rebuilt from the year-to-date totals companies report — Q4 is the full year minus the first nine months, since no 10-Q is filed for it. Values are as filed; later restatements replace earlier ones. Fiscal years are labelled by the calendar year in which they end.