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Citizens Financial Group Inc. CFG

14 fiscal years on record · USD · FY2025 reported · SEC filings only
$8.2B
▲ 5.6% YoY
$1.8B
▲ 21.3% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

Citizens Financial Group, Inc. offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. At December 31, 2025, it had total assets of $226.4 billion, total deposits of $183.3 billion, and total stockholders’ equity of $26.3 billion. Its products and services are offered through more than 1,000 branches in 14 states and the District of Columbia and 75 retail and commercial non-branch offices. As of December 31, 2025, Citizens had 17,398 full-time equivalent employees, primarily across New England and the Mid-Atlantic. The company manages its business through two primary business segments, Consumer Banking and Commercial Banking. Consumer Banking serves consumer customers and small businesses with products and services that include deposits, mortgage and home equity lending, credit cards, small business loans, and wealth management solutions across the company's 14-state traditional banking footprint. Commercial Banking serves companies and institutions, offering financial products and solutions including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management, and loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets capabilities. The company was incorporated under Delaware state law in 1984.

Written from the business description in CITIZENS FINANCIAL GROUP INC/RI's annual report to the U.S. Securities and Exchange Commission, filed 12 February 2026. Every sentence was checked against that document before publication.

Growth

USD 8.2B
Revenue, FY2025 · full 14-year series below
Revenue $B Net income $B
FY2025 · Revenue 8.2 · Net income 1.8
3B6B-2B-3B
201220152018202120242025
Compound annual growth
+0.9%
+3.6%
+5.5%
−4.1%
+11.6%
+8.1%
−2.0%
+11.7%
+9.6%
+2.0%
+2.0%
+15.7%
+13.3%
+7.5%
+6.6%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +3.6% a year over the five years to FY2025 — but profit grew faster: net income at +11.6%, earnings per share at +11.7%.

The share count rose from 0.43B to 0.43B over the period.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

22 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 28.2% · Net 22.2%
20%40%-20%-40%-60%
201220182025
ROE
FY2025 · ROE 7.2%
5%10%-5%-10%-15%
201220182025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Each USD of equity produced 7 cents of profit this year.

Cash & shareholders

USD 1.4B
returned in FY2025 · dividends + net buybacks
Free cash flow $B
FY2019 · FCF 1.6
1B2B
201220182025
Net buybacks $B Dividends $B
FY2025 · Dividends 0.8 · Net buybacks 0.6
1B2BDividendsNet buybacks
20122014201620182020202220242025

USD 755.0M in dividends and USD 600.0M in buybacks — 74% of the year's profit went back to shareholders.

Total assetsUSD 226.4B
EquityUSD 26.3B
CashUSD 12.7B
Gross debtUSD 11.3B
Net debtUSD -1.4B
DepositsUSD 183.3B

The company holds more cash than debt.

The 14-year record

14 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative—not applicable◌not available in our data
CFG, 14-year financial record
Metric 20252024202320222021202020192018201720162015201420132012
Revenue $B8.27.88.28.06.66.96.56.15.75.34.85.04.74.9
Operating income $B2.31.92.02.73.01.32.3◌◌◌◌◌◌◌
EBITDA $B2.82.42.53.23.61.92.9◌◌◌◌◌◌◌
Income tax $B0.50.40.40.60.70.20.50.50.30.50.40.4−0.00.4
Net income $B1.81.51.62.12.31.11.81.71.71.00.80.9−3.40.6
Free cash flow $B◌◌◌◌◌◌1.61.51.61.41.11.22.51.5
EPS, diluted $3.863.033.134.105.162.223.813.523.251.971.551.55−6.121.15
Dividend / sh $1.721.681.681.621.561.561.360.980.640.460.401.432.120.27
Payout %415150382964342719232593−3523
ROE %7.26.26.78.810.14.78.38.48.35.34.34.5−15.82.7
Shares out B0.430.440.470.490.420.430.430.470.490.510.530.550.56◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

Other companies filing in the same sector

Provenance

Company facts, as filed

How we verify · 0 failures in 41 reconciliationsAUDITED

Reconciled in 14 of the 14 fiscal years we could check. Six checks were skipped: the balance sheet is not tagged before 2013. Five checks were skipped: EPS is not tagged before 2012.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityState Commercial Banks
Listed onNYSE
Incorporated inDelaware
Fiscal year endsDecember 31
Data on record since2012

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