Citizens Financial Group, Inc. (CFG) Financial Statements
Historical financial data — 42 statements covering FY2016–FY2025
Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island. Through its subsidiaries, it offers various retail and commercial banking products and services to...
Citizens Financial Group, Inc.'s revenue decreased 2.5% year over year, from $12.36B to $12.06B.
Net income increased 21.3% over the same period, from $1.51B to $1.83B.
Over the 9-year period from FY2016 to FY2025, revenue grew by 109% in total.
Total debt decreased by 9.0% to $11.28B.
The debt-to-equity ratio stands at 0.43, indicating a moderate leverage profile.
Operating cash flow grew 10.5% to $2.21B.
Citizens Financial Group, Inc. maintains a healthy net profit margin of 15.2%.
Recent Financial Statements
Quarterly figures are standalone quarters, de-cumulated from YTD filings (Q4 = FY − Q3 YTD when not reported).
| Period | Revenue | Net Income | EBIT | Op. Cash Flow | Total Assets | Total Debt | Equity |
|---|---|---|---|---|---|---|---|
| Q3 FY2024 | $3.07B-1.8% | $382.0M | $470.0M | $130.0M | $219.71B | $13.96B | $24.93B |
| Q4 FY2024 | $3.04B-1.1% | $401.0M | $508.0M | $483.0M | $217.52B | $12.40B | $24.25B |
| Q1 FY2025 | $2.90B-4.6% | $373.0M | $468.0M | $-213.0M | $220.15B | $12.31B | $24.87B |
| Q2 FY2025 | $3.01B+3.8% | $436.0M | $554.0M | $886.0M | $218.31B | $12.78B | $25.23B |
| Q3 FY2025 | $3.09B+2.7% | $494.0M | $629.0M | $1.70B | $222.75B | $10.65B | $25.83B |
| Q4 FY2025 | $3.07B-0.7% | $528.0M | $677.0M | $-158.0M | $226.35B | $11.28B | $26.32B |
| Q1 FY2026 | $3.03B-1.3% | $517.0M | $650.0M | $237.0M | N/A | N/A | N/A |
| Q2 FY2026 | $3.19B+5.6% | $587.0M | N/A | $726.0M | N/A | N/A | N/A |
Balance Sheet Summary (FY2025)
Citizens Financial Group, Inc. (CFG) Financial Statements & Revenue History
Citizens Financial Group, Inc. (CFG) is a US-listed stock operating in the Financial Services sector, specifically the State Commercial Banks industry trading at $63.31 with a market capitalization of $27. This page provides 42 historical financial statements for Citizens Financial Group, Inc., including income statement, balance sheet, and cash flow data across multiple reporting periods. Most recently, Citizens Financial Group, Inc. reported revenue of $12.1 billion, a 2.5% decline from the prior year. The net profit margin of 15.2% reflects strong profitability. The debt-to-equity ratio of 0.43 shows conservative leverage.
CFG Income Statement, Balance Sheet & Cash Flow
The financial statements table above shows Citizens Financial Group, Inc.'s revenue, net income, gross profit, EBIT, operating cash flow, total assets, total debt, and shareholders' equity across the most recent reporting periods. Year-over-year growth rates help identify whether CFG is accelerating or decelerating in terms of top-line revenue and bottom-line profitability.
- Revenue trend: Track CFG's top-line growth across quarters and fiscal years to identify acceleration or deceleration in the business.
- Profitability: Net income and gross profit margins reveal how efficiently Citizens Financial Group, Inc. converts revenue into earnings.
- Balance sheet health: Total assets, liabilities, debt, and equity provide a snapshot of CFG's financial position and leverage.
- Cash flow: Operating cash flow shows how much cash the business generates from its core operations, which is critical for funding dividends, buybacks, and growth.
How to Use CFG Financial Data
Investors use Citizens Financial Group, Inc.'s financial statements to assess the company's financial health, growth trajectory, and valuation. Key metrics to focus on include:
- Revenue growth rate: Consistent double-digit revenue growth suggests a strong business; declining revenue may signal competitive pressure.
- Net profit margin: Higher margins indicate a more efficient business with pricing power. Compare CFG's margins to sector peers for context.
- Debt levels: High debt-to-equity ratios increase financial risk, especially in rising-rate environments. Low debt provides flexibility.
- Valuation multiples: See how CFG's P/E, P/S, and EV/EBITDA ratios compare to historical levels.
- Full analysis: View CFG's financial health score, earnings, and pre-market pricing.
Financial data is sourced from Citizens Financial Group, Inc.'s SEC filings (10-K, 10-Q) via Polygon.io and Finnhub.CFG trades on NYSE. This page is for informational purposes only and is not financial advice.