ES
MARKETS / NYSE / CFG
NYSE · STATE COMMERCIAL BANKS · LARGE CAP

Citizens Financial Group Inc/ri CFG

14 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY
Revenue · FY2025
$1.6B
▲ 6.7% vs FY2024
Dividend streak
1 yrs
Raised every year since 2025
EPS · FY25
$3.86
Dividend / sh · FY25
$1.72
Payout · FY25
41%
ROE · FY25
7.2%
Net margin · FY25
112.0%
Dividend coverage
2.2×
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Result
USD 1.6B
Revenue, FY2025 · full 14-year series below
Revenue Net income
24681.61.8201220152018202120242025
24681.61.82016201920222025

112 cents of every revenue dollar became profit this year.

Per share
USD 3.86
Diluted EPS, FY2025
EPS Dividend
2461.723.86201220152018202120242025
2461.723.862016201920222025

Earnings covered the dividend 2.2 times — the rest stayed in the company.

Profitability
7.2%
Return on equity, FY2025
ROE
48127.2%201220152018202120242025
48127.2%2016201920222025
Operating margin142.4%
Net margin112.0%
Return on assets0.8%

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

Returned to shareholders
USD 1.4B
returned in FY2025 · dividends + net buybacks
Dividends paidUSD 755.0M
Net buybacksUSD 600.0M
Share of profit74.0%
Consecutive raises1 years

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

Growth
+8.6% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+8.0%
+8.6%
−10.3%
Net income
−4.1%
+11.6%
+8.1%
EPS, diluted
−2.0%
+11.7%
+9.6%
Dividend / share
+2.0%
+2.0%
+15.7%
Returned to shareholders
+13.3%
+7.5%
+6.6%

Compound annual rates per period — left blank where the series crosses a loss.

Share base
0.43B
Shares outstanding, FY2025
0.560.43201220152018202120242025
0.510.432016201920222025
Change, 5 years+0.5%
Change, 10 years−18.7%

The share count grew 0% in five years — the same company, cut into more, smaller slices.

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Balance sheet
USD 226.4B
total assets, end of FY2025
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.

History
14 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
Revenue $B
1.6
1.5
1.3
1.3
1.3
1.1
1.2
6.1
5.7
5.3
4.8
5.0
4.7
4.9
Operating income $B
2.3
1.9
2.0
2.7
3.0
1.3
2.3
·
·
·
·
·
·
·
EBITDA $B
2.8
2.4
2.5
3.2
3.6
1.9
2.9
·
·
·
·
·
·
·
Income tax $B
0.5
0.4
0.4
0.6
0.7
0.2
0.5
0.5
0.3
0.5
0.4
0.4
−0.0
0.4
Net income $B
1.8
1.5
1.6
2.1
2.3
1.1
1.8
1.7
1.7
1.0
0.8
0.9
−3.4
0.6
EPS, diluted $
3.86
3.03
3.13
4.10
5.16
2.22
3.81
3.52
3.25
1.97
1.55
1.55
−6.12
1.15
Dividend / sh $
1.72
1.68
1.68
1.62
1.56
1.56
1.36
0.98
0.64
0.46
0.40
1.43
2.12
0.27
Payout %
41
51
50
38
29
64
34
27
19
23
25
93
−35
23
ROE %
7.2
6.2
6.7
8.8
10.1
4.7
8.3
8.4
8.3
5.3
4.3
4.5
−17.8
·
Shares out B
0.43
0.44
0.47
0.49
0.42
0.43
0.43
0.47
0.49
0.51
0.53
0.55
0.56
·

Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.

How we verifyAUDITED
27 of 27
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity

Every figure was compared against the original statement: 0 failures and 0 presentation gaps.

What we don’t show

We’d rather say what’s missing than fill the gap with an estimate.

P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed