Overview
CITIZENS FINANCIAL GROUP INC/RI
Latest 10-K: FY2025, filed Feb 12, 2026 · Open the 10-K (Inline XBRL) ↗
- Revenue
- $8.25B
- 5.6%YoYup from FY2024
- TotalRevenue
- Gross profit
- Not reported
- Net income
- $1.83B
- 21.3%YoYup from FY2024
- NetIncome
- Diluted EPS
- $3.86
- 27.4%YoYup from FY2024
- EPSDiluted
- Diluted shares
- 436.9M
- 3.7%YoYdown from FY2024
- WeightedAvgSharesDiluted
At a glance
Growth
- CITIZENS FINANCIAL GROUP INC/RI reported revenue of $8.25B for fiscal 2025, up 5.6% from fiscal 2024.
- Revenue grew faster than the median S&P 500 member in 1 of the last 5 fiscal years.
Profitability
- Net margin was 22.2%, against a median of 12.8% across S&P 500 members for the same fiscal year.
Per share
- Diluted EPS was $3.86, up 27.4% from the prior year.
Written from the filed figures on this page by fixed rules — no AI.
Data as of Oct 31, 2026 · Sources: SEC EDGAR 10-K
Financial statements
Annual figures from the 10-K, most recent fiscal year first.
Income Statement
5 annual periodsChip: YoY change.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $8.25B5.6%up Benchmark median 6.4% | $7.81B5.0%down Benchmark median 4.5% | $8.22B2.5%up Benchmark median 4.8% | $8.02B20.7%up Benchmark median 10.3% | $6.65B3.7%down Benchmark median 13.8% | 5.5% Benchmark median 6.6% |
| Gross Profit Median of 315 / 498 | — | — | — | — | — | — Benchmark median 6.2% |
| Operating Income Median of 373 / 498 | — | — | — | — | — | — Benchmark median 7.2% |
| Net Income | $1.83B21.3%up Benchmark median 4.8% | $1.51B6.2%down Benchmark median 5.7% | $1.61B22.4%down Benchmark median 1.9% | $2.07B10.6%down Benchmark median 1.3% | $2.32B119.4%up Benchmark median 33.9% | -5.7% Benchmark median 4.1% |
| EPS (Diluted) | $3.8627.4%up Benchmark median 6.2% | $3.033.2%down Benchmark median 7.9% | $3.1323.7%down Benchmark median 1.9% | $4.1020.5%down Benchmark median 1.5% | $5.16132.4%up Benchmark median 34.8% | -7.0% Benchmark median 5.6% |
Balance Sheet
5 annual periodsChip: YoY change.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Total Assets | $226.35B4.1%up Benchmark median 5.6% | $217.52B2.0%down Benchmark median 3.4% | $221.96B2.1%down Benchmark median 4.1% | $226.73B20.3%up Benchmark median 2.2% | $188.41B2.8%up Benchmark median 6.7% | 4.7% Benchmark median 4.7% |
| Total Liabilities Median of 357 / 498 | $200.03B3.5%up Benchmark median 6.4% | $193.27B2.2%down Benchmark median 1.9% | $197.62B2.7%down Benchmark median 2.9% | $203.04B23.1%up Benchmark median 2.0% | $164.99B2.7%up Benchmark median 5.2% | 4.9% Benchmark median 4.4% |
| Stockholders' Equity | $26.32B8.5%up Benchmark median 6.8% | $24.25B0.4%down Benchmark median 5.4% | $24.34B2.8%up Benchmark median 7.3% | $23.69B1.2%up Benchmark median 2.5% | $23.42B3.3%up Benchmark median 9.0% | 3.0% Benchmark median 6.1% |
| Cash & Equivalents | $1.46B3.9%up Benchmark median 5.2% | $1.41B21.5%down Benchmark median 1.9% | $1.79B20.5%up Benchmark median 6.7% | $1.49B28.9%up Benchmark median -8.6% | $1.16B11.4%up Benchmark median -2.9% | 6.1% Benchmark median 2.0% |
| Total Debt | $11.28B†9.0%down Benchmark median 2.1% | $12.40B†11.2%down Benchmark median 0.2% | $13.97B†12.1%down Benchmark median 0.3% | $15.89B†126.8%up Benchmark median 0.1% | $7.01B†18.4%down Benchmark median -0.1% | 12.6% Benchmark median 4.3% |
† Sum of short-term and long-term debt; the company files no total-debt line.
Cash Flow Statement
5 annual periodsChip: YoY change.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.21B10.5%up Benchmark median 6.3% | $2.00B32.4%down Benchmark median 4.8% | $2.96B28.1%down Benchmark median 9.9% | $4.12B81.1%up Benchmark median -0.7% | $2.27B1949.5%up Benchmark median 10.7% | -0.7% Benchmark median 7.0% |
| Capital Expenditures | — | — | — | — | — | — Benchmark median 9.0% |
| Free Cash Flow Median of 378 / 498 | — | — | — | — | — | — Benchmark median 4.9% |
n/m: not meaningful — the base (the prior year, or the first year for the CAGR) was zero or negative, or a per-share figure’s share basis changed (stock split). “—” means the figure is not available.
Benchmark median = median of the companies in the benchmark universe on Dec 31 of each fiscal year, from their own 10-K filings; a change counts only companies whose prior year was positive. Each median uses every member that reports the line item; where fewer than 80% do (banks and insurers file no gross profit), the row names how many. Published where at least 250 companies report it. Updated 2026-10-27. This compares reported figures, not share-price returns. Methodology
Ratios & valuation
FY2025Every ratio read two ways: Wall Street’s popular formula and the value investor’s stricter one. Same question, same unit. Pick a ratio.
Valuation · Earnings yield
What a dollar of market value earned
6.6%
Wall Street
on net earnings
FY2024 6.9%
— Not reported
Value investor
on free cash flow
FY2024 — Not reported
How it’s calculated
Wall Street · on net earnings
Diluted EPS ÷ fiscal-year-end share price (1 ÷ P/E)
pe_ratio (ratio table)
P/E 15.1×Value investor · on free cash flow
(Operating cash flow − capital expenditures) ÷ market capitalisation (fiscal-year-end close × weighted-average diluted shares)
free cash flow ÷ market cap
Valuation · Book yield
Net assets behind a dollar of market value
103.1%
Wall Street
on book equity
FY2024 122.2%
71.0%
Value investor
on tangible book
FY2024 81.0%
Gap −32.1 pts: Value-investor figure 32.1 points lower
How it’s calculated
Wall Street · on book equity
Book value of equity ÷ market capitalisation (1 ÷ P/B)
pb_ratio (ratio table)
P/B 1.0×Value investor · on tangible book
Tangible book value (equity less goodwill and intangibles) ÷ market capitalisation
tangible_book_value_per_share ÷ (pb_ratio × book_value_per_share)
Quality · Return on capital
Profit earned on the money in the business
7.2%
Wall Street
ROE: net income ÷ equity
FY2024 6.2%
— Not reported
Value investor
ROIC: after-tax operating profit ÷ invested capital
FY2024 — Not reported
How it’s calculated
Wall Street · ROE: net income ÷ equity
Net income ÷ average stockholders' equity (start and end of year), including noncontrolling interests. Buybacks shrink equity and lift it.
return_on_equity (ratio table)
Value investor · ROIC: after-tax operating profit ÷ invested capital
Operating profit after tax ÷ invested capital (total assets − cash − non-interest-bearing current liabilities), so leverage cannot flatter it
roic (ratio table)
Each ratio measures one thing two ways, in the same unit: the popular formula, then a stricter one, so a lower figure is the stricter reading. Gap = value-investor figure minus Wall Street figure, from the figures shown.
Price-based ratios use the fiscal-year-end closing price. Free cash flow = operating cash flow − capital expenditures (we compute it; filings rarely report it). n/m = not meaningful (denominator ≤ 0); “—” = not reported. Each ratio’s formulas are under “How it’s calculated”.
Smart money
Showing the most recent 5 annual periods. Get longer history on the Pro plan, or the full history (1993–present) plus the smart-money dataset and webhooks on Institutional.
Peers, filings & research
Research Reports
No published research on CFG yet.
Reports appear here as analysts publish research on this company — built with Valuein's agentic workflows on data pinned to its SEC filing. Be the first: run equity_research_brief on CFG and publish the result to your public profile.
Cite this page
Data as of Oct 31, 2026. Canonical address: https://valuein.biz/data/CFG
Valuein. (2026, October 31). CITIZENS FINANCIAL GROUP INC/RI (CFG) financial statements, earnings power and smart-money summary [Data set]. Source: SEC EDGAR filings. https://valuein.biz/data/CFG
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author = {{Valuein}},
title = {CITIZENS FINANCIAL GROUP INC/RI (CFG) financial statements, earnings power and smart-money summary},
year = {2026},
howpublished = {\url{https://valuein.biz/data/CFG}},
note = {Data as of 2026-10-31; source: SEC EDGAR filings}
}10-K filed Feb 12, 2026 · accession 0000759944-26-000028
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