Citizens Financial Group CFG · USD
Financials · Banks · US listing · 🇺🇸 United States
S&P 500
65.10
+2.94%
Close of 9 Nov 2026, in USD
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At a glance
Figures in USD, from our data supplier.
Revenue, before interest expense
$11.15bn
FY2016FY2025
Net income
$1.83bn
FY2016FY2025
Total assets
$226.35bn
FY2016FY2025
Shareholders' equity
$26.32bn
FY2016FY2025
Income statement
Fiscal years
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue, before interest expense | $11.15bn | $12.35bn | $12.19bn | $9.07bn | $6.99bn | $7.68bn | $8.07bn | $7.35bn | $6.45bn | $5.76bn |
| Operating income | $2.33bn | $1.89bn | $2.03bn | $2.65bn | $2.98bn | $1.30bn | $2.25bn | $2.18bn | $1.91bn | $1.53bn |
| Net income | $1.83bn | $1.51bn | $1.61bn | $2.07bn | $2.32bn | $1.06bn | $1.79bn | $1.72bn | $1.65bn | $1.04bn |
| Diluted earnings per share | 4.20 | 3.39 | 3.43 | 4.18 | 5.43 | 2.46 | 4.10 | 3.67 | 3.35 | 2.03 |
Balance sheet
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | $226.35bn | $217.52bn | $221.96bn | $226.73bn | $188.41bn | $183.35bn | $165.73bn | $160.52bn | $152.34bn | $149.52bn |
| Cash and short-term investments | $49.38bn | $43.85bn | $41.70bn | $34.59bn | $34.90bn | $35.98bn | $24.30bn | $23.75bn | $23.29bn | $23.39bn |
| Total liabilities | $200.03bn | $193.27bn | $197.62bn | $203.04bn | $164.99bn | $160.68bn | $143.53bn | $139.70bn | $132.07bn | $129.77bn |
| Debt | $9.27bn | $12.35bn | $10.19bn | $7.37bn | $6.99bn | $8.57bn | $9.31bn | $9.73bn | $14.44bn | $17.15bn |
| Shareholders' equity | $26.32bn | $24.25bn | $24.34bn | $23.69bn | $23.42bn | $22.67bn | $22.20bn | $20.82bn | $20.27bn | $19.75bn |
| Shares outstanding | 435m | 445m | 468m | 495m | 427m | 429m | 437m | 469m | 494m | 514m |
Latest quarters
By quarter end
| Jun 2026 | Mar 2026 | Dec 2025 | Sept 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sept 2024 | |
|---|---|---|---|---|---|---|---|---|
| Revenue, before interest expense | $3.19bn | $3.03bn | $2.16bn | $3.09bn | $3.01bn | $2.90bn | $3.03bn | $3.07bn |
| Operating income | $755.0m | $650.0m | $677.0m | $629.0m | $554.0m | $468.0m | $508.0m | $470.0m |
| Net income | $587.0m | $517.0m | $528.0m | $494.0m | $436.0m | $373.0m | $401.0m | $382.0m |
| Diluted earnings per share | 1.38 | 1.21 | 1.21 | 1.13 | 1.00 | 0.86 | 0.90 | 0.86 |
| Total assets | $233.84bn | $227.92bn | $226.35bn | $222.75bn | $218.31bn | $220.15bn | $217.52bn | $219.71bn |
| Cash and short-term investments | $12.76bn | $12.33bn | $49.38bn | $47.65bn | $43.77bn | $46.32bn | $43.85bn | $44.24bn |
| Debt | $1.16bn | $10.32bn | $9.27bn | $12.30bn | $13.22bn | $13.04bn | $12.99bn | $13.96bn |
| Shareholders' equity | $26.18bn | $26.17bn | $26.32bn | $25.83bn | $25.23bn | $24.87bn | $24.25bn | $24.93bn |
Financial ratios
Data as of 24 Sept 2026
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Operating margin | 20.9% | 15.3% | 16.7% | 29.3% | 42.6% | 16.9% |
| Net margin | 16.4% | 12.2% | 13.2% | 22.9% | 33.2% | 13.8% |
| Return on equity | 7.0% | 6.2% | 6.6% | 8.8% | 9.9% | 4.7% |
| Return on assets | 0.8% | 0.7% | 0.7% | 0.9% | 1.2% | 0.6% |
| Revenue growth | -9.7% | 1.3% | 34.4% | 29.8% | -9.0% | -4.8% |
| Earnings growth | 21.3% | -6.2% | -22.4% | -10.6% | 119.4% | -41.0% |
| Current ratio | 1.04x | 0.25x | 0.24x | 0.20x | 0.24x | 156.17x |
| Debt to equity | 0.35x | 0.51x | 0.57x | 0.31x | 0.30x | 0.38x |
| Equity ratio | 11.6% | 11.2% | 11.0% | 10.4% | 12.4% | 12.4% |
| Interest coverage | 0.61x | 0.41x | 0.51x | 2.53x | 8.78x | 1.68x |
| Buybacks as a share of market value | 2.1% | 5.0% | 5.5% | -16.1% | 0.5% | 1.7% |
Growth per year
Compound annual rate
| 3 years | 5 years | 10 years | |
|---|---|---|---|
| Revenue | -2.9% | 1.2% | 4.3% |
| Operating income | -4.3% | 12.4% | 6.3% |
| Net income | -4.1% | 11.6% | 8.1% |
Average margins
Over each period
| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Operating margin | 17.9% | 19.9% | 22.2% | 24.2% |
| Net margin | 14.2% | 15.7% | 17.5% | 18.9% |
Valuation history
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Price to earnings | 13.9 | 12.9 | 9.7 | 9.4 | 8.7 | 14.5 | 9.9 | 8.1 | 12.6 | 17.5 |
| Price to sales | 3.5 | 2.5 | 1.9 | 2.4 | 3.0 | 2.2 | 2.7 | 2.3 | 3.6 | 3.5 |
Market value over time
31 Oct 2016 to 23 Sept 2026, in USD
$13.72bn$27.57bn
Share price return
Finished calendar years
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Return | 37% | 27% | -12% | -14% | 28% | -14% | 41% | -31% | 16% | 40% |
Dividends and splits
Per share, in the currency the company pays
Paid for 12 years. Last went ex-dividend on 30 Jul 2026.
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | |
|---|---|---|---|---|---|---|---|---|
| Paid in the year | 1.38 | 1.72 | 1.68 | 1.68 | 1.62 | 1.56 | 1.56 | 1.36 |
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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