CITIZENS FINANCIAL GROUP INC/RI
CITIZENS FINANCIAL GROUP INC/RI
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Due From Banks | 1,219 | 1,084 | 1,464 | 1,254 | 1,107 | 1,082 | 1,409 | 979 | 1,191 | 1,098 | 1,794 | 1,395 | |||||
Interest Bearing Deposits In Banks | 1,107 | 830 | 961 | 694 | 680 | 685 | 635 | 648 | 559 | 392 | 405 | 324 | |||||
Debt Securities Available For Sale Excluding Accru… | 37,448 | 36,361 | 35,697 | 35,419 | 34,658 | 34,208 | 32,765 | 32,835 | 31,938 | 31,187 | 29,777 | 25,069 | |||||
Debt Securities Held To Maturity Excluding Accrued… | 7,638 | 7,800 | 7,933 | 8,124 | 8,293 | 8,469 | 8,599 | 8,738 | 8,895 | 9,054 | 9,184 | 9,320 | |||||
Loans Receivable Held For Sale Amount | 1,458 | 1,537 | 1,198 | 1,334 | 2,093 | 2,820 | 858 | 614 | 591 | 505 | 779 | 749 | |||||
Financing Receivable Excluding Accrued Interest Be… | - | 143,667 | 142,692 | 140,870 | 139,304 | 137,635 | 139,203 | 141,632 | 141,842 | 143,188 | 145,959 | 149,746 | |||||
Financing Receivable Allowance For Credit Loss Exc… | - | -1,958 | -1,943 | -1,972 | -2,008 | -2,014 | -2,061 | -2,079 | -2,125 | -2,086 | -2,098 | -2,080 | |||||
Financing Receivable Excluding Accrued Interest Af… | - | 141,709 | 140,749 | 138,898 | 137,296 | 135,621 | 137,142 | 139,553 | 139,717 | 141,102 | 143,861 | 147,666 | |||||
Derivative Assets | - | - | - | 721 | 832 | 760 | 408 | 586 | 367 | 469 | 440 | 522 | |||||
Property Plant And Equipment Net | 873 | 874 | 915 | 857 | 855 | 855 | 875 | 862 | 863 | 872 | 895 | 878 | |||||
Bank Owned Life Insurance | 3,470 | 3,464 | 3,441 | 3,422 | 3,408 | 3,386 | 3,364 | 3,346 | 3,325 | 3,311 | 3,291 | 3,275 | |||||
Goodwill | 8,220 | 8,221 | 8,187 | 8,187 | 8,187 | 8,187 | 8,187 | 8,187 | 8,187 | 8,188 | 8,188 | 8,188 | |||||
Other Intangible Assets Net | 105 | 112 | 115 | 123 | 129 | 137 | 146 | 137 | 139 | 148 | 157 | 167 | |||||
Other Assets | 15,235 | 14,680 | 14,428 | 13,318 | 13,331 | 13,479 | 14,349 | 13,236 | 13,494 | 13,571 | 13,359 | 13,613 | |||||
Assets | 233,836 | 227,918 | 226,351 | 222,747 | 218,310 | 220,148 | 217,521 | 219,706 | 219,938 | 220,448 | 221,964 | 225,270 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities | |||||||||||||||||
Deposits Interest Bearing… | |||||||||||||||||
Noninterest Bearing Depos… | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 40,939 | 41,672 | 40,417 | 39,472 | 38,001 | 37,556 | 36,920 | 35,978 | 36,927 | 36,593 | 37,107 | 38,561 | |||||
Interest Bearing Deposit Liabilities | 144,681 | 142,363 | 142,896 | 140,539 | 137,085 | 140,020 | 137,856 | 139,210 | 139,425 | 139,835 | 140,235 | 139,636 | |||||
Deposits | 185,620 | 184,035 | 183,313 | 180,011 | 175,086 | 177,576 | 174,776 | 175,188 | 176,352 | 176,428 | 177,342 | 178,197 | |||||
Short Term Borrowings | 1,159 | 54 | 58 | 214 | 249 | 47 | 0 | 15 | 2 | 9 | 505 | 232 | |||||
Long Term Debt | 15,190 | 12,260 | 11,224 | 10,441 | 12,526 | 12,267 | 12,401 | 13,944 | 13,082 | 13,804 | 13,467 | 17,354 | |||||
Derivative Liabilities | - | - | - | 738 | 766 | 883 | 1,220 | 1,012 | 1,547 | 1,705 | 1,562 | 2,109 | |||||
Other Liabilities | 5,684 | 5,397 | 5,439 | 5,514 | 4,449 | 4,509 | 6,090 | 4,615 | 5,086 | 4,741 | 4,746 | 4,500 | |||||
Liabilities | 207,653 | 201,746 | 200,034 | 196,918 | 193,076 | 195,282 | 193,267 | 194,774 | 196,069 | 196,687 | 197,622 | 202,392 | |||||
Preferred Stock Value | 2,111 | 2,111 | 2,111 | 2,111 | 2,113 | 2,113 | 2,113 | 2,112 | 2,112 | 2,014 | 2,014 | 2,014 | |||||
Common Stock | |||||||||||||||||
Common Stock Value | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 6 | 6 | 6 | 6 | 6 | |||||
Additional Paid In Capital | 22,521 | 22,466 | 22,476 | 22,448 | 22,420 | 22,370 | 22,364 | 22,327 | 22,299 | 22,272 | 22,250 | 22,231 | |||||
Retained Earnings Accumulated Deficit | 11,987 | 11,631 | 11,345 | 11,056 | 10,783 | 10,566 | 10,412 | 10,233 | 10,079 | 9,923 | 9,816 | 9,856 | |||||
Treasury Stock Common Value | -8,182 | -7,955 | -7,652 | -7,526 | -7,450 | -7,249 | -7,047 | -6,820 | -6,492 | -6,290 | -5,986 | -5,986 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -2,261 | -2,088 | -1,970 | -2,267 | -2,639 | -2,941 | -3,595 | -2,926 | -4,135 | -4,164 | -3,758 | -5,243 | |||||
Stockholders Equity | 26,183 | 26,172 | 26,317 | 25,829 | 25,234 | 24,866 | 24,254 | 24,932 | 23,869 | 23,761 | 24,342 | 22,878 | |||||
Liabilities And Stockholders Equity | 233,836 | 227,918 | 226,351 | 222,747 | 218,310 | 220,148 | 217,521 | 219,706 | 219,938 | 220,448 | 221,964 | 225,270 | |||||
Asset Pledged As Collateral | - | 119 | 108 | 1 | 4 | 110 | 152 | 87 | -12 | 80 | 110 | -991 | |||||
Held To Maturity Securities Fair Value | 6,784 | 6,998 | 7,150 | 7,295 | 7,379 | 7,515 | 7,540 | 8,067 | 7,924 | 8,132 | 8,350 | 8,054 | |||||
Loans Held For Sale Fair Value Disclosure | 1,069 | 917 | 1,065 | 768 | 935 | 1,137 | 825 | - | - | - | 676 | - | |||||
Stockholders Equity | |||||||||||||||||
Preferred Stock Number Of… | |||||||||||||||||
Preferred Stock Par Or Stated Value Per Share | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | |||||
Preferred Stock Shares Authorized | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | |||||
Preferred Stock Shares Issued | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Preferred Stock Shares Outstanding | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Common Stock Number Of Sh… | |||||||||||||||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Common Stock Shares Authorized | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | |||||
Common Stock Shares Issued | 654 | 654 | 652 | 652 | 652 | 652 | 650 | 650 | 649 | 649 | 648 | 648 | |||||
Shares Outstanding | 423 | 426 | 429 | 431 | 433 | 438 | 441 | 445 | 453 | 458 | 466 | 466 | |||||
Treasury Stock Common Shares | 231 | 228 | 223 | 221 | 219 | 214 | 210 | 204 | 196 | 191 | 181 | 181 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -2.05% | 10.76% | 13.09% | - | - | - | - | - | - | - | - | - |
| 2025 | 6.11% | 11.85% | 30.28% | 9.88% | 12.19% | 9.67% | 6.06% | 17.29% | 22.80% | -10.40% | -5.85% | 0.16% |
| 2024 | -1.31% | 0.76% | 20.89% | 10.81% | 5.02% | 6.85% | 15.75% | 4.88% | 14.11% | -9.58% | -25.58% | -15.12% |
| 2023 | - | - | - | -7.65% | -13.55% | -26.23% | 10.37% | 28.25% | 29.99% | 8.75% | 7.67% | 13.50% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | 5.55 | 5.17 | 4.68 | 4.14 | 3.77 | 3.56 | 2.03 | 1.58 | 1.46 | 1.41 | 1.51 | 1.78 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 4.73 | 4.34 | 3.86 | 3.52 | 3.25 | 3.18 | 3.03 | 2.85 | 2.93 | 3.07 | 3.37 | 4.28 | |||||
| Free Cash Flow Per Share TTM | 5.91 | 6.26 | 5.10 | 6.61 | 2.97 | 2.82 | 4.44 | 4.90 | 6.77 | 5.12 | 6.23 | 7.91 | |||||
| Dividend Per Share TTM | 1.84 | 1.80 | 1.74 | 1.72 | 1.73 | 1.73 | 1.71 | 1.75 | 1.74 | 1.73 | 1.70 | 1.74 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 63.02% | 61.91% | 60.57% | 59.18% | 57.47% | 56.22% | 55.30% | 47.60% | 48.80% | 50.72% | 53.72% | 65.93% | |||||
| Operating Profit Margin TTM | 27.48% | 25.79% | 24.09% | 22.31% | 20.49% | 19.40% | 18.54% | 15.24% | 15.91% | 17.25% | 19.89% | 27.13% | |||||
| Net Profit Margin TTM | 20.44% | 19.17% | 17.47% | 15.82% | 14.53% | 14.18% | 13.47% | 12.33% | 12.80% | 13.68% | 15.76% | 20.64% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 1.10% | -1.98% | -5.13% | -6.93% | -6.66% | -4.65% | -0.18% | 6.34% | 14.22% | 26.22% | 44.53% | 62.73% | |||||
| Net Income Growth (1Y) | 42.24% | 32.46% | 23.03% | 19.42% | 5.98% | -1.12% | -14.68% | -36.50% | -40.67% | -33.49% | -22.43% | 8.37% | |||||
| EPS Growth (1Y) | 45.87% | 36.50% | 28.00% | 23.63% | 10.99% | 4.07% | -10.06% | -33.24% | -37.36% | -30.02% | -22.29% | 14.41% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 14.60 | 13.49 | 14.68 | 14.54 | 13.17 | 12.14 | 13.56 | 13.36 | 11.31 | 10.74 | 8.84 | 5.52 | |||||
| P/B TTM | 1.12 | 0.96 | 0.94 | 0.86 | 0.74 | 0.69 | 0.77 | 0.69 | 0.63 | 0.64 | 0.58 | 0.49 | |||||
| P/S TTM | 2.98 | 2.59 | 2.56 | 2.30 | 1.91 | 1.72 | 1.83 | 1.65 | 1.45 | 1.47 | 1.39 | 1.14 | |||||
| Market Cap | 29.44B | 25.16B | 24.78B | 22.26B | 18.68B | 17.09B | 18.61B | 17.13B | 15.13B | 15.30B | 14.21B | 11.15B | |||||
| Enterprise Value | 33.03B | 25.15B | 23.34B | 21.27B | 22.90B | 17.86B | 20.41B | 20.17B | 16.45B | 17.51B | 16.56B | 13.34B | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 2.50B | 2.66B | 2.21B | 2.85B | 1.29B | 1.23B | 2.00B | 2.19B | 3.07B | 2.36B | 2.96B | 3.71B | |||||
| Net Debt | 3.59B | -16.00M | -1.45B | -995.00M | 4.23B | 773.00M | 1.80B | 3.04B | 1.31B | 2.21B | 2.34B | 2.19B | |||||
Per-Share and Margin | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
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| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
CITIZENS FINANCIAL GROUP INC/RI (CFG) — SEC Financial Statements & Analysis
CITIZENS FINANCIAL GROUP INC/RI (CFG) is a state commercial banks company, incorporated in DE. CITIZENS FINANCIAL GROUP INC/RI trades on NYSE as: CFG, CFG-PE, CFG-PH, CFG-PI. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), CITIZENS FINANCIAL GROUP INC/RI reported a 1.10% year-over-year revenue growth, a Gross Profit Margin of 63.02% (TTM), a Price-to-Sales (P/S) ratio of 2.98x (TTM), a Price-to-Book (P/B) ratio of 1.12x (TTM), at a market cap of $29.44B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 1.10%
- Gross Profit Margin TTM
- 63.02%
- P/S TTM
- 2.98x
- P/B TTM
- 1.12x
- Market Cap
- $29.44B
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is CITIZENS FINANCIAL GROUP INC/RI in?
CITIZENS FINANCIAL GROUP INC/RI (CFG) operates in the State Commercial Banks industry.
What is CFG's market cap?
CITIZENS FINANCIAL GROUP INC/RI (CFG) has a market capitalization of $29.44B as of 2026-06-30.
What is CFG's P/E ratio?
CITIZENS FINANCIAL GROUP INC/RI (CFG)'s trailing twelve month P/E ratio is 14.60x as of 2026-06-30.
What exchange does CFG trade on?
CITIZENS FINANCIAL GROUP INC/RI (CFG) trades on the NYSE.
Where is CITIZENS FINANCIAL GROUP INC/RI incorporated?
CITIZENS FINANCIAL GROUP INC/RI is incorporated in DE.