Citizens Financial Group Inc (CFG) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Citizens Financial reported revenue of $8.25B, up 5.6% from $7.81B the year before. Net income was $1.83B (a 22.2% net margin), or $3.86 per diluted share. Net interest income was $5.85B, and the efficiency ratio (noninterest expense / revenue) was 64.4%. Operating activities generated $2.21B of cash. At fiscal year end, Citizens Financial held $226.35B in total assets against $200.03B in total liabilities.
Open the full interactive Citizens Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Citizens Financial Key Stats
| Share Price | $63.30 |
|---|---|
| Market Cap | $27.01B |
| P/E Ratio | 16.4 |
| Revenue YoY Growth | +5.6% |
| 52-Week Range | $46.98 – $74.73 |
| Shares Outstanding | 422.9 million (basic, 2026 Q2) |
Citizens Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $4.59B | $4.51B | $6.01B | $6.24B | $5.63B | $5.85B |
| Provision for Credit Losses | $1.62B | -$411.0M | $474.0M | $687.0M | $687.0M | $608.0M |
| Noninterest Income | $2.32B | $2.13B | $2.01B | $1.98B | $2.18B | $2.39B |
| Noninterest Expense | $3.99B | $4.08B | $4.89B | $5.51B | $5.23B | $5.31B |
| Revenue | $6.91B | $6.65B | $8.02B | $8.22B | $7.81B | $8.25B |
| Pre-Tax Income | $1.30B | $2.98B | $2.65B | $2.03B | $1.89B | $2.33B |
| Income Tax | $241.0M | $658.0M | $582.0M | $422.0M | $379.0M | $497.0M |
| Net Income | $1.06B | $2.32B | $2.07B | $1.61B | $1.51B | $1.83B |
| Diluted EPS | $2.22 | $5.16 | $4.10 | $3.13 | $3.03 | $3.86 |
Citizens Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $2.12B | $2.16B | $2.17B | $2.28B |
| Net Income | $494.0M | $528.0M | $517.0M | $587.0M |
| Diluted EPS | $1.05 | $1.21 | $1.13 | $1.30 |
Citizens Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $120.65B | — | $154.68B | $143.86B | $137.14B | $140.75B |
| Total Assets | $183.35B | $188.41B | $226.73B | $221.96B | $217.52B | $226.35B |
| Deposits | $147.16B | $154.36B | $180.72B | $177.34B | $174.78B | $183.31B |
| Total Long-Term Debt | $8.35B | $6.93B | $15.89B | $13.47B | $12.40B | $11.22B |
| Total Liabilities | $160.68B | $164.99B | $203.04B | $197.62B | $193.27B | $200.03B |
| Shareholders' Equity | $22.67B | $23.42B | $23.69B | $24.34B | $24.25B | $26.32B |
Citizens Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $111.0M | $2.27B | $4.12B | $2.96B | $2.00B | $2.21B |
| Cash From Investing | -$6.14B | -$10.49B | -$12.64B | $5.25B | $2.99B | -$5.97B |
| Cash From Financing | $15.37B | $4.64B | $9.91B | -$7.13B | -$6.01B | $5.88B |
Figures from Citizens Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Citizens Financial financials page for every line item.
Citizens Financial Company Profile
| Ticker | CFG |
|---|---|
| Exchange | NYSE |
| Industry | State Commercial Banks |
| Headquarters | Providence, Rhode Island |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000759944 |
Frequently Asked Questions
What was Citizens Financial's revenue in fiscal 2025?
Citizens Financial (CFG) reported revenue of $8.25B for fiscal 2025.
What is Citizens Financial's annual revenue history?
Citizens Financial's annual revenue by fiscal year: 2020: $6.91B; 2021: $6.65B; 2022: $8.02B; 2023: $8.22B; 2024: $7.81B; 2025: $8.25B.
What was Citizens Financial's net income in fiscal 2025?
Citizens Financial reported net income of $1.83B for fiscal 2025.
What was Citizens Financial's earnings per share (EPS) in fiscal 2025?
Citizens Financial's diluted EPS was $3.86 for fiscal 2025 (adjusted for any later stock splits).
What was Citizens Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Citizens Financial reported revenue of $2.28B.
How much debt does Citizens Financial have?
Citizens Financial reported $11.22B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Citizens Financial are outstanding?
Citizens Financial reported a weighted average of 422.9 million basic shares outstanding in 2026 Q2.
What is Citizens Financial's market cap?
Based on its latest closing price, Citizens Financial (CFG) has a market capitalization of about $27.01B.
When does Citizens Financial's fiscal year end?
Citizens Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Citizens Financial headquartered?
Citizens Financial lists its business address in Providence, Rhode Island in its SEC filings.