Revenue
$8.25B
Fiscal year ended 2025-12-31Net income
$1.83B
Fiscal year ended 2025-12-31Total assets
$226.35B
Fiscal year ended 2025-12-31CITIZENS FINANCIAL GROUP INC/RI (CFG) reported revenue of $8.25B and net income of $1.83B for the fiscal year ended 2025-12-31. This page shows 10 annual periods of income statement, balance sheet and cash flow figures normalized from CITIZENS FINANCIAL GROUP INC/RI’s SEC filings, each linked to the filing it came from. It is classified by the SEC under State Commercial Banks.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $8.25B | $7.81B | $8.22B | $8.02B | $6.65B | $6.90B | $6.49B | $6.13B | $5.71B | $5.26B |
| Cost of revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net income | $1.83B | $1.51B | $1.61B | $2.07B | $2.32B | $1.06B | $1.79B | $1.72B | $1.65B | $1.04B |
| Research & development | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 436.89M | shares 453.51M | shares 476.69M | shares 477.80M | shares 427.44M | shares 428.16M | shares 451.21M | shares 480.43M | shares 503.69M | shares 523.93M |
| Pretax income | $2.33B | $1.89B | $2.03B | $2.66B | $2.98B | $1.30B | $2.25B | $2.18B | $1.91B | $1.53B |
| Income tax expense | $497.00M | $379.00M | $422.00M | $582.00M | $658.00M | $241.00M | $460.00M | $462.00M | $260.00M | $489.00M |
| Diluted EPS | $3.86 | $3.03 | $3.13 | $4.10 | $5.16 | $2.22 | $3.81 | $3.52 | $3.25 | $1.97 |
| Selling, general & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | $4.07B | $3.03B | $3.70B |
| Total assets | $226.35B | $217.52B | $221.96B | $226.73B | $188.41B | $183.35B | $165.73B | $160.52B | $152.34B | $149.52B |
| Current assets | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total liabilities | $200.03B | $193.27B | $197.62B | $203.04B | $164.99B | $160.68B | $143.53B | $139.70B | $132.07B | $129.77B |
| Current liabilities | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $26.32B | $24.25B | $24.34B | $23.69B | $23.42B | $22.67B | $22.20B | $20.82B | $20.27B | $19.75B |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Goodwill | $8.19B | $8.19B | $8.19B | $8.17B | $7.12B | $7.05B | $7.04B | $6.92B | $6.89B | $6.88B |
| Long-term debt | $11.22B | $12.40B | $13.47B | $15.89B | $6.93B | $8.35B | $14.05B | $15.92B | $11.76B | $12.79B |
| Accounts payable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $2.21B | $2.00B | $2.96B | $4.12B | $2.28B | $111.00M | $1.70B | $1.77B | $1.88B | $1.49B |
| Capital expenditures | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | $126.00M | $232.00M | $253.00M | Unavailable |
| Investing cash flow | -$5.97B | $2.99B | $5.25B | -$12.64B | -$10.49B | -$6.14B | -$3.88B | -$7.08B | -$3.98B | -$11.33B |
| Financing cash flow | $5.88B | -$6.02B | -$7.13B | $9.91B | $4.64B | $15.37B | $1.49B | $6.35B | $1.43B | $10.46B |
| Net change in cash | $2.13B | -$1.03B | $1.08B | $1.39B | -$3.58B | $9.35B | -$688.00M | $1.04B | -$672.00M | $619.00M |
| Stock-based compensation | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Common dividends paid | $755.00M | $769.00M | $808.00M | $779.00M | $670.00M | $672.00M | $617.00M | $471.00M | $322.00M | $241.00M |
| Common share repurchases | $600.00M | $1.05B | $906.00M | $153.00M | $295.00M | $270.00M | $1.22B | $1.02B | $820.00M | $430.00M |
| Depreciation & amortization | $478.00M | $498.00M | $478.00M | $565.00M | $625.00M | $578.00M | $633.00M | $486.00M | $487.00M | $515.00M |
Derived
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Free cash flow | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | $1.63B | Unavailable |
| Gross margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| FCF margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | 28.6% | Unavailable |
| SBC / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Current ratio | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Revenue YoY growth | 5.6% | -5.0% | 2.5% | 20.7% | -3.7% | 6.4% | 5.9% | 7.4% | 8.6% | Unavailable |
| Net margin | 22.2% | 19.3% | 19.6% | 25.8% | 34.9% | 15.3% | 27.6% | 28.1% | 28.9% | 19.9% |
| R&D / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| CapEx / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | 4.4% | Unavailable |
| Long-term debt / equity | 0.43x | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Effective tax rate | 21.3% | 20.1% | 20.8% | 21.9% | 22.1% | 18.6% | 20.4% | 21.2% | 13.6% | 31.9% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open CFG in the interactive workspace to inspect any figure back to its filing.
Source filings
10-Q · Filed 2026-08-03View SEC filing
10-Q · Filed 2026-05-04View SEC filing
10-K · Filed 2026-02-12View SEC filing
10-Q · Filed 2025-11-03View SEC filing
10-Q · Filed 2025-08-04View SEC filing
10-Q · Filed 2025-05-01View SEC filing
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.