CFG
Citizens Financial Group Inc.Stock · FinancialsS&P 500 Equal Weight 0.2% · S&P 500 0.05% · Russell 1000 0.04% · Russell 3000 0.04% · US Stock Market 0.04% · MSCI World 0.03% · MSCI ACWI 0.03%$70.48+1.22%
as of market close, Sep 11, 2026
☾ AH — —
CFG financial statements
The full income statement, balance sheet, and cash-flow statement for Citizens Financial Group Inc. (CFG), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
2024-06 448.3M2024-09 440.7M2024-12 437.1M2025-03 433.6M2025-06 431.3M2025-09 429.5M2025-12 425.0M2026-03 422.9M2026-06 421.2M-6.1% over 8 periods
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
As-reported fiscal years.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 8.25B+5.6% | 7.81B-5.0% | 8.22B+2.5% | 8.02B+20.7% | 6.65B-3.7% | ||
| Lease income | 16.0M-23.8% | 21.0M-4.5% | 22.0M | — | — | |
| Noninterest income | 2.39B+10.0% | 2.18B+9.7% | 1.98B-1.3% | 2.01B-5.9% | 2.13B-7.9% | |
| Amortization of intangibles | 33.0M-5.7% | 35.0M-16.7% | 42.0M+2.4% | 41.0M+272.7% | 11.0M+0.0% | |
| Noninterest expense | 5.31B+1.5% | 5.23B-5.0% | 5.51B+12.6% | 4.89B+19.9% | 4.08B+2.3% | |
| Interest expense | — | — | 3.96B+278.1% | 1.05B+209.1% | 339M-56.0% | |
| Interest & investment income | 9.66B-5.1% | 10.2B-0.2% | 10.2B+44.5% | 7.06B+45.5% | 4.85B-9.4% | |
| Net interest income | 5.85B+3.9% | 5.63B-9.7% | 6.24B+3.8% | 6.01B+33.2% | 4.51B-1.6% | |
| Pre-tax income | 2.33B+23.3% | 1.89B-7.0% | 2.03B-23.5% | 2.65B-10.8% | 2.98B+129.4% | |
| Income tax | 497M+31.1% | 379M-10.2% | 422M-27.5% | 582M-11.6% | 658M+173.0% | |
| 1.83B+21.3% | 1.51B-6.2% | 1.61B-22.4% | 2.07B-10.6% | 2.32B+119.4% | ||
| Preferred dividends | 138M+0.7% | 137M+17.1% | 117M+3.5% | 113M | — | |
| Net income to common | 1.69B+23.0% | 1.37B-8.0% | 1.49B-23.9% | 1.96B-11.2% | 2.21B+132.2% | |
| $3.86+27.4% | $3.03-3.2% | $3.13-23.7% | $4.10-20.5% | $5.16+132.4% | ||
| EPS (basic) | $3.90+27.9% | $3.05-2.9% | $3.14-23.8% | $4.12-20.5% | $5.18+133.3% | |
| Weighted-avg shares (basic) | 433M-3.9% | 451M-5.1% | 475M-0.2% | 476M+11.8% | 426M-0.3% | |
| Weighted-avg shares (diluted) | 437M-3.7% | 454M-4.9% | 477M-0.2% | 478M+11.8% | 427M-0.2% | |
| Dividends per share | $1.72+2.4% | $1.68+0.0% | $1.68+3.7% | $1.62+3.8% | $1.56+0.0% | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Cash & equivalents | 12.7B+20.1% | 10.6B-8.8% | 11.6B+10.2% | 10.5B+15.2% | 9.16B-28.1% | |
| 226B+4.1% | 218B-2.0% | 222B-2.1% | 227B+20.3% | 188B+2.8% | ||
| Property, plant & equipment | 915M+4.6% | 875M-2.2% | 895M+6.0% | 844M+9.9% | 768M+1.2% | |
| Operating lease right-of-use | 958M+10.2% | 869M-1.8% | 885M-13.2% | 1.02B+33.0% | 766M-4.3% | |
| Goodwill | 8.19B+0.0% | 8.19B-0.0% | 8.19B+0.2% | 8.17B+14.9% | 7.12B+0.9% | |
| Intangible assets | 115M-21.2% | 146M-7.0% | 157M-20.3% | 197M+207.8% | 64.0M+10.3% | |
| Short-term & current debt | 58.0M | 0.00-100.0% | 505M-83.2% | 3.00B+3954.1% | 74.0M-69.5% | |
| 200B+3.5% | 193B-2.2% | 198B-2.7% | 203B+23.1% | 165B+2.7% | ||
| Long-term debt | 11.2B-9.5% | 12.4B-7.9% | 13.5B-15.2% | 15.9B+129.2% | 6.93B-16.9% | |
| Operating lease liability (total) | 1.04B+9.0% | 956M-2.1% | 977M-8.3% | 1.07B+33.3% | 800M-4.2% | |
| Deferred tax liabilities | — | — | — | — | 0.00-100.0% | |
| 26.3B+8.5% | 24.3B-0.4% | 24.3B+2.8% | 23.7B+1.2% | 23.4B+3.3% | ||
| Preferred stock | 2.11B-0.1% | 2.11B+4.9% | 2.01B+0.0% | 2.01B+0.0% | 2.01B+2.5% | |
| Common stock | 7.00M+0.0% | 7.00M+16.7% | 6.00M+0.0% | 6.00M+0.0% | 6.00M+0.0% | |
| Additional paid-in capital | 22.5B+0.5% | 22.4B+0.5% | 22.3B+0.5% | 22.1B+16.5% | 19.0B+0.3% | |
| Retained earnings | 11.3B+9.0% | 10.4B+6.1% | 9.82B+7.2% | 9.16B+14.8% | 7.98B+23.8% | |
| Treasury stock | 7.65B+8.6% | 7.05B+17.7% | 5.99B+18.0% | 5.07B+3.1% | 4.92B+6.4% | |
| Accumulated other comprehensive income | -1.97B+45.2% | -3.60B+4.3% | -3.76B+17.6% | -4.56B-585.7% | -665M-1008.3% | |
| Total liabilities & equity | 226B+4.1% | 218B-2.0% | 222B-2.1% | 227B+20.3% | 188B+2.8% | |
| Common shares issued | 652M+0.3% | 650M+0.3% | 648M+0.4% | 645M+12.9% | 571M+0.2% | |
| Common shares outstanding | 429M-2.6% | 441M-5.5% | 466M-5.3% | 492M+16.6% | 422M-1.2% | |
| Shares outstanding (cover) | 425M-2.8% | 437M-4.7% | 459M-5.2% | 484M+14.7% | 422M-0.7% | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 2.21B+10.5% | 2.00B-32.4% | 2.96B-28.1% | 4.12B+81.1% | 2.27B+1949.5% | ||
| Depreciation & amortization | 478M-4.0% | 498M+4.2% | 478M-15.4% | 565M-9.6% | 625M+8.1% | |
| Intangible amortization | 33.0M-5.7% | 35.0M-16.7% | 42.0M+2.4% | 41.0M+272.7% | 11.0M+0.0% | |
| Deferred income taxes | -82.0M+53.7% | -177M+26.9% | -242M-524.6% | 57.0M+113.3% | -429M-80.3% | |
| -5.97B-299.8% | 2.99B-43.1% | 5.25B+141.5% | -12.6B-20.5% | -10.5B-70.9% | ||
| Acquisitions | 0.00 | 0.00 | 0.00-100.0% | 255M+54.5% | 165M+5400.0% | |
| Sales/maturities of investments | 4.02B+21.6% | 3.30B+65.1% | 2.00B-41.5% | 3.42B-56.2% | 7.81B+12.5% | |
| Other investing activities | 347M+273.1% | 93.0M+52.5% | 61.0M-92.1% | 771M+144.0% | 316M+386.2% | |
| 5.88B+197.8% | -6.01B+15.6% | -7.13B-171.9% | 9.91B+113.7% | 4.64B-69.8% | ||
| Long-term debt issued | 8.53B-35.3% | 13.2B-49.3% | 26.0B+5.5% | 24.6B | 0.00-100.0% | |
| Long-term debt repaid | 9.74B-31.8% | 14.3B-49.7% | 28.4B+44.3% | 19.7B+1356.4% | 1.35B-90.4% | |
| Net short-term debt | 58.0M+111.5% | -505M-200.6% | 502M+628.4% | -95.0M+38.3% | -154M-294.9% | |
| Common stock issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock repurchased | 600M-42.9% | 1.05B+15.9% | 906M+492.2% | 153M-48.1% | 295M+9.3% | |
| Dividends paid | 755M-1.8% | 769M-4.8% | 808M+3.7% | 779M+16.3% | 670M-0.3% | |
| Other financing activities | -8.00M-144.4% | 18.0M-14.3% | 21.0M+184.0% | -25.0M-13.6% | -22.0M | |
| Net change in cash | 2.13B+307.0% | -1.03B-195.0% | 1.08B-22.2% | 1.39B+138.9% | -3.58B-138.2% | |
| Interest paid | 4.04B-7.7% | 4.38B+20.2% | 3.64B+268.0% | 989M+185.0% | 347M-58.5% | |
| Income taxes paid | 151M-27.4% | 208M-44.5% | 375M+104.9% | 183M-85.3% | 1.25B+377.8% | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Market cap | 24.8B+29.8% | 19.1B+23.8% | 15.5B-20.3% | 19.4B-2.8% | 19.9B+31.2% | |
| P/E | 13.6×+6.9% | 12.7×+70.0% | 7.5×-25.0% | 9.9×+15.6% | 8.6×-40.2% | |
| P/S | 3.0×+22.9% | 2.4×+33.7% | 1.8×-28.8% | 2.6×-14.3% | 3.0×+36.3% | |
| P/B | 0.9×+19.6% | 0.8×+16.8% | 0.7×-19.4% | 0.8×-1.6% | 0.9×+27.0% | |
| P/FCF | 15.8×+29.8% | 12.2×+23.8% | 9.8×-20.3% | 12.3×-2.8% | 12.7×+31.2% | |
| Earnings yield | 7.4%-6.5% | 7.9%-41.2% | 13.4%+33.3% | 10.1%-13.5% | 11.6%+67.2% | |
| FCF yield | 6.3%-22.9% | 8.2%-19.2% | 10.2%+25.5% | 8.1%+2.9% | 7.9%-23.8% | |
| Dividend yield | 2.9%-23.3% | 3.8%-24.3% | 5.1%+23.2% | 4.1%+24.6% | 3.3%-24.3% | |
| Source filing | 10-K | 10-K | 10-K | 10-K | 10-K |
About this data
Source: CFG’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all CFG filings on SEC EDGAR → Not investment advice.