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Citizens Financial Group, Inc. (CFG) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · Regional Banks · DATA UPDATED 2026-07-15

Citizens Financial Group, Inc. (CFG) operates in the Regional Banks industry and is headquartered in Providence, United States with about 17,727 employees. Its market capitalization is roughly $30 billion. In the fiscal year ended 2025-12-31, CFG reported $11.1B in revenue and $1.8B in net income.

Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States.

Interactive charts & full statements → Open the CFG valuation workbench →

CFG Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-03-31	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31
Total Revenue	$11.3B	$11.1B	$12.3B	$12.2B	$9.1B	$7.0B	$7.7B	$8.1B	$7.4B	$6.5B	$5.8B	$5.3B	$5.1B	$5.1B	$5.5B	$5.9B
Gross Profit	$8.0B	$7.8B	$7.1B	$7.5B	$7.5B	$7.1B	$5.3B	$6.1B	$5.8B	$5.4B	$4.9B	$4.5B	$4.4B	$4.2B	$4.5B	$4.1B
Gross Margin %	71.1%	69.8%	57.6%	61.8%	83.2%	101.0%	68.9%	75.6%	78.9%	83.5%	84.8%	85.7%	86.5%	82.0%	81.3%	70.1%
Operating Income (EBIT)	$2.5B	$2.3B	$1.9B	$2.0B	$2.7B	$3.0B	$1.3B	$2.3B	$2.2B	$1.9B	$1.5B	$1.3B	$1.3B	($3.5B)	$1.0B	$778M
Operating Margin %	22.3%	20.9%	15.3%	16.7%	29.3%	42.6%	16.9%	27.9%	29.7%	29.6%	26.6%	23.9%	25.1%	-67.6%	18.6%	13.2%
Net Income	$2.0B	$1.8B	$1.5B	$1.6B	$2.1B	$2.3B	$1.1B	$1.8B	$1.7B	$1.7B	$1.0B	$840M	$865M	($3.4B)	$643M	$506M
Net Margin %	17.5%	16.4%	12.2%	13.2%	22.9%	33.2%	13.8%	22.2%	23.4%	25.6%	18.1%	15.9%	17.1%	-66.7%	11.7%	8.6%
EBITDA	$3.0B	$2.7B	$2.4B	$2.5B	$3.2B	$3.6B	$1.9B	$2.9B	$2.7B	$2.4B	$2.0B	$1.7B	$1.7B	($3.1B)	$1.5B	$1.2B
Earnings Per Share (EPS)	$4.55	$4.20	$3.33	$3.37	$4.34	$5.43	$2.47	$3.97	$3.58	$3.28	$1.99	$1.56	$1.55	$-6.12	$1.15	$0.90
Shares Outstanding (M)	430M	435M	454M	477M	478M	427M	428M	451M	480M	504M	524M	538M	558M	560M	560M	560M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

CFG Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Total Revenue	$3.0B	$2.2B	$3.1B	$3.0B	$2.9B	$3.0B	$3.1B	$3.1B
Gross Profit	$2.0B	$2.2B	$2.0B	$1.9B	$1.8B	$1.8B	$1.7B	$1.8B
Gross Margin %	67.0%	100.0%	63.6%	62.3%	61.5%	60.0%	56.3%	56.9%
Operating Income (EBIT)	$650M	$677M	$629M	$554M	$468M	$508M	$470M	$480M
Operating Margin %	21.5%	31.4%	20.4%	18.4%	16.2%	16.8%	15.3%	15.4%
Net Income	$517M	$528M	$494M	$436M	$373M	$401M	$382M	$392M
Net Margin %	17.1%	24.5%	16.0%	14.5%	12.9%	13.2%	12.4%	12.6%
EBITDA	$763M	$789M	$748M	$678M	$591M	$632M	$599M	$623M
Earnings Per Share (EPS)	$1.20	$1.21	$1.13	$1.00	$0.84	$0.90	$0.85	$0.86
Shares Outstanding (M)	430M	435M	435M	437M	442M	445M	450M	457M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

CFG Free Cash Flow History

Cash flow	TTM → 2026-03-31	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31
Cash from Operations (CFO)	$2.7B	$2.2B	$2.0B	$3.0B	$4.1B	$2.3B	$111M	$1.7B	$1.8B	$1.9B	$1.5B	$1.2B	$1.4B	$2.6B	$1.7B	$2.5B
Capital Expenditures (CapEx)	$160M	$174M	$122M	$172M	$126M	$124M	$118M	$366M	$232M	$440M	$303M	$299M	$311M	$368M	$371M	$368M
Free Cash Flow (FCF)	$2.5B	$2.0B	$1.9B	$2.8B	$4.0B	$2.2B	($7M)	$1.3B	$1.5B	$1.4B	$1.2B	$930M	$1.1B	$2.3B	$1.3B	$2.1B
FCF Margin %	22.2%	18.3%	15.2%	22.9%	44.0%	30.8%	-0.1%	16.5%	20.9%	22.4%	20.6%	17.6%	21.3%	44.4%	24.4%	35.7%
Dividends Paid	$904M	$888M	$903M	$928M	$892M	$783M	$770M	$682M	$485M	$336M	$255M	$221M	$806M	$1.2B	$150M	—

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

CFG Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Cash from Operations (CFO)	$237M	($158M)	$1.7B	$886M	($213M)	$483M	$130M	$834M
Capital Expenditures (CapEx)	$0M	$92M	$35M	$33M	$14M	$48M	$34M	$30M
Free Cash Flow (FCF)	$237M	($250M)	$1.7B	$853M	($227M)	$435M	$96M	$804M
FCF Margin %	7.8%	-11.6%	53.8%	28.4%	-7.8%	14.4%	3.1%	25.7%
Dividends Paid	$236M	$233M	$217M	$218M	$220M	$226M	$225M	$224M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

CFG Balance Sheet History

Balance sheet	2026-03-31	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31
Total Assets	$227.9B	$226.4B	$217.5B	$222.0B	$226.7B	$188.4B	$183.3B	$165.7B	$160.5B	$152.3B	$149.5B	$138.2B	$132.9B	$122.2B	$127.1B
Cash & Cash Equivalents	$12.3B	$12.7B	$11.2B	$12.0B	$10.8B	$9.5B	$13.0B	$3.7B	$4.2B	$3.2B	$4.1B	$3.4B	$3.6B	$3.0B	$3.2B
Total Liabilities	$201.7B	$200.0B	$193.3B	$197.6B	$203.0B	$165.0B	$160.7B	$143.5B	$139.7B	$132.1B	$129.8B	$118.6B	$113.6B	$103.0B	$102.9B
Total Debt (Short + Long-Term)	$10.3B	$9.3B	$12.4B	$14.0B	$7.4B	$7.0B	$8.7B	$14.2B	$16.4B	$13.9B	$16.7B	$13.0B	$11.5B	$8.4B	$4.8B
Total Shareholders' Equity	$26.2B	$26.3B	$24.3B	$24.3B	$23.7B	$23.4B	$22.7B	$22.2B	$20.8B	$20.3B	$19.7B	$19.6B	$19.3B	$19.2B	$24.1B

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive CFG viewer.

Other Companies in Regional Banks

FITB · Fifth Third Bancorp — $52 billion
MTB · M&T Bank — $36 billion
HBAN · Huntington Bancshares — $35 billion
RF · Regions Financial Corporation — $26 billion
KEY · KeyCorp — $24 billion

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