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CITIZENS FINANCIAL GROUP INC/RI

CFG

$72.66 ▲ +0.20 (+0.28%) at close

14 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

CITIZENS FINANCIAL GROUP INC/RI shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $31.5B

Dividend Yield 2.37%

Revenue Growth 5.6% ↗

Op. Margin 28.2% ↗

ROIC None

FCF / Share None

Trailing P/E 18.6x

Price / Book 1.2x

FCF Yield —

Debt / Equity 0.43

info Valuation on last close. End-of-day price, Aug 7, 2026.

14-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$8.25B

↑ +5.6% —

Net Income Profit after all expenses

$1.83B

↑ +21.3% —

Operating Margin Operating profit as % of sales

28.2%

↑ +16.8% 85th

Long-Term Debt Long-term obligations

$11.22B

↓ -9.5% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.72 Latest / share

+2.4% YoY

+15.5% 12-yr CAGR

$0.35

FY 2014

$0.24

FY 2015

$0.07

FY 2016

$0.08

FY 2017

$0.11

FY 2018

$0.23

FY 2019

$1.56

FY 2020

$1.56

FY 2021

$1.62

FY 2022

$1.68

FY 2023

$1.68

FY 2024

$1.72

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗
Revenue Growth YoY (%)	5.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-7%)	-5.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-184%)	2.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-58%)	20.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+245%)	-3.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-162%)	6.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+6%)	13.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+129%)	8.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+43%)	8.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+49%)	-3.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-152%)	6.2% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-4.2% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-169%)	—	—
EPS Growth YoY (%)	27.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-2.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-23.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-20.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	133.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	248.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	17.2% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	65.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	27.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	—	—
Net Income Growth YoY (%)	21.3% Good ↑ Good Improving Year-over-year change in net income	-6.2% Weak ↓ Weak Declining Year-over-year change in net income	-22.4% Weak ↓ Weak Declining Year-over-year change in net income	-10.6% Weak ↓ Weak Declining Year-over-year change in net income	119.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-41.0% Weak ↓ Weak Declining Year-over-year change in net income	8.4% Fair ↓ Fair Declining Year-over-year change in net income	58.1% Excellent ↑ Excellent Improving Year-over-year change in net income	24.4% Good Good Year-over-year change in net income	-2.9% Weak Weak Year-over-year change in net income	N/M	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	0.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	10.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	4.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	3.9% Caution Caution Compound annual revenue growth over 3 years	-0.5% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	3.6% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.8% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	7.6% Fair → Fair Stable Compound annual revenue growth over 5 years	8.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	6.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.7% Fair Fair Compound annual revenue growth over 5 years	3.1% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-1.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-16.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	12.3% Good ↓ Good Declining Compound annual EPS growth over 3 years	86.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	112.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	89.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	35.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	28.1% Excellent Excellent Compound annual EPS growth over 3 years	—	10.5% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗
Operating Margin (%) (%)	28.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	24.2% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.7% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	33.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	44.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+79%)	18.8% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	21.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.1% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.6% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	22.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	19.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	25.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	34.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	15.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	27.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	28.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	19.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	17.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	17.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	-73.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-432%)	13.1% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	-2.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	7.0% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	6.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	6.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	8.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	4.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	8.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	8.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	5.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	4.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗
Debt to Equity (x)	0.43x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-64%)	0.51x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-57%)	0.57x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-52%)	0.67x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-44%)	0.30x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.38x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-68%)	0.65x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-46%)	0.85x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-29%)	0.87x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-28%)	0.68x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-44%)	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗
Revenue per Share (USD)	$19.04	$17.33	$17.31	$16.85	$15.62	$16.17	$2.41	$1.89	$1.68	$1.50	$1.49	$1.40	$1.46	—
Basic EPS, GAAP (USD)	$3.90	$3.05	$3.14	$4.12	$5.18	$2.22	$0.64	$0.54	$0.33	$0.26	$0.26	$-1.02	$0.19	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.72	$1.68	$1.68	$1.62	$1.56	$1.56	$0.23	$0.11	$0.08	$0.07	$0.24	$0.35	$0.05	—
Book Value per Share (USD)	$61.31	$55.05	$52.19	$48.12	$55.48	$53.07	$8.54	$7.25	$6.43	$6.20	—	—	—	—
Tangible Book Value per Share (USD)	$42.24	$36.47	$34.63	$31.52	$38.62	$36.57	$5.83	$4.79	$4.19	$4.03	—	—	—	—
Basic Weighted Avg Shares (shares)	433.17M	450.68M	475.09M	475.96M	425.67M	427.06M	2.70B	3.01B	3.13B	3.21B	3.34B	3.36B	3.36B	—
Dividend Payout Ratio (%)	44.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	55.1% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	53.5% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	30.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	70.3% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	35.6% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	19.6% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$11.22B	$12.40B	$13.47B	$15.89B	$6.93B	$8.35B	$14.05B	$15.93B	$12.79B	$9.89B	$4.64B	$1.41B	—	—
Total Equity (USD)	$26.32B	$24.25B	$24.34B	$23.69B	$23.42B	$22.67B	$22.20B	$20.27B	$19.75B	$19.65B	—	—	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗
Sales/Revenue/Turnover (USD)	$8.25B	$7.81B	$8.22B	$8.02B	$6.65B	$6.91B	$6.49B	$5.71B	$5.25B	$4.82B	$4.98B	$4.69B	$4.89B	—
Depreciation Expense (USD)	$130.00M	$132.00M	$115.00M	$107.00M	$98.00M	$110.00M	$116.00M	$124.00M	$130.00M	$116.00M	$117.00M	$138.00M	$163.00M	—
Net Income, GAAP (USD)	$1.83B	$1.51B	$1.61B	$2.07B	$2.32B	$1.06B	$1.79B	$1.65B	$1.04B	$840.00M	$865.00M	$-3.43B	$643.00M	—
Operating Cash Flow (USD)	$2.21B	$2.00B	$2.96B	$4.12B	$2.27B	$111.00M	$1.70B	$1.88B	$1.49B	$1.23B	$1.39B	$2.65B	$1.71B	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗
Net Interest Margin (approx.) (%)	2.6%	2.6%	2.8%	2.7%	2.4%	2.5%	2.8%	2.6%	2.5%	2.5%	2.5%	2.5%	—	—
Efficiency Ratio (%) (%)	64.4%	67.0%	67.0%	61.0%	61.4%	57.8%	59.3%	60.9%	63.8%	67.6%	68.1%	163.7%	70.6%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 14 years · 50 quarters

CITIZENS FINANCIAL GROUP INC/RI

Analytical Summary

14-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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