CFG · Citizens Financial Group Inc/Ri · Earnings Call Transcripts & Audio
$63.76
-0.13 (-0.20%)
At close · Sep 30
Return incl. dividend (before tax)
Market Cap
$27.03B
Shares
421.18M
Volume · Sep 30
4.46M
Avg daily vol (3M)
3.97M
Citizens Financial Group Inc Earnings Call Transcripts
Quarterly earnings calls for Citizens Financial Group Inc (CFG), with available speaker-labelled transcripts, captured audio replays, call highlights, 8-K earnings releases and periodic filings. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▲27.9%
$2.20B
$653.00M
'22 Q4
23-01-17
▲29.4%
$2.13B
$511.00M
'23 Q1
23-04-19
▲4.8%
$2.09B
$478.00M
'23 Q2
23-07-19
▼7.5%
$2.01B
$430.00M
'23 Q3
23-10-18
▼9.6%
$1.99B
$189.00M
'23 Q4
24-01-17
▼7.9%
$1.96B
$334.00M
'24 Q1
24-04-17
▼6.3%
$1.96B
$392.00M
'24 Q2
24-07-17
▼5.6%
$1.90B
$382.00M
'24 Q3
24-10-16
▼0.1%
$1.99B
$401.00M
'24 Q4
25-01-17
▼1.2%
$1.94B
$373.00M
'25 Q1
25-04-16
▲3.8%
$2.04B
$436.00M
'25 Q2
25-07-17
▲11.4%
$2.12B
$494.00M
'25 Q3
25-10-15
▲8.6%
$2.16B
$528.00M
'25 Q4
26-01-21
▲12%
$2.17B
$517.00M
'26 Q1
26-04-16
LATEST
▲12.1%
$2.28B
$587.00M
'26 Q2
26-07-16
Earnings call
FY26 · Q3
2026-10-16
Citizens Financial Group Inc (CFG) Q3 2026 Earnings Call
Scheduled
Results not yet reported
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q2
2026-07-16
Citizens Financial Group Inc (CFG) Q2 2026 Earnings Call Transcript
Confident tone
Credit quality
Private bank and wealth
Reimagine the Bank and AI
Revenue
$2.28B
▲ 12.1% YoY Diluted EPS
$1.30
▲ 41.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2026-04-16
Citizens Financial Group Inc (CFG) Q1 2026 Earnings Call Transcript
Confident tone
Loan growth and commercial banking
Private bank and wealth
Capital markets and fee income
Revenue
$2.17B
▲ 12% YoY Diluted EPS
$1.13
▲ 46.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-01-21
Citizens Financial Group Inc (CFG) Q4 2025 Earnings Call Transcript
Confident tone
Private bank growth and returns
Wealth and capital markets fees
Capital return and balance sheet strength
Revenue
$2.16B*
▲ 8.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-10-15
Citizens Financial Group Inc (CFG) Q3 2025 Earnings Call
Confident tone
Private bank and wealth growth
Geopolitical and macro uncertainty
Capital markets and fee income strength
Revenue
$2.12B
▲ 11.4% YoY Diluted EPS
$1.05
▲ 36.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-07-17
Citizens Financial Group Inc (CFG) Q2 2025 Earnings Call Transcript
Confident tone
Loan growth
Capital markets and fees
Private Bank and Private Wealth build-out
Revenue
$2.04B
▲ 3.8% YoY Diluted EPS
$0.92
▲ 17.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-04-16
Citizens Financial Group Inc (CFG) Q1 2025 Earnings Call Transcript
Positive tone
Non-core loan sale and capital redeployment
Private Bank / wealth growth
Net interest margin and interest rate outlook
Revenue
$1.94B
▼ 1.2% YoY Diluted EPS
$0.77
▲ 18.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-01-17
Citizens Financial Group Inc (CFG) Q4 2024 Earnings Call Transcript
Confident tone
Private bank and wealth expansion
Net interest income and NIM expansion
Capital markets and fees
Revenue
$1.99B*
▼ 0.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-16
Citizens Financial Group Inc (CFG) Q3 2024 Earnings Call Transcript
Positive tone
Balance sheet and capital strength
Net interest margin and NII trajectory
Credit quality
Revenue
$1.90B
▼ 5.6% YoY Diluted EPS
$0.77
▼ 9.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-17
Citizens Financial Group Inc (CFG) Q2 2024 Earnings Call Transcript
Positive tone
Private bank buildout
Capital markets and fee momentum
NIM and rate outlook
Revenue
$1.96B
▼ 6.3% YoY Diluted EPS
$0.78
▼ 15.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-04-17
Citizens Financial Group Inc (CFG) Q1 2024 Earnings Call Transcript
Positive tone
Balance sheet strength and capital
Private Bank build-out and wealth
Net interest income and margin
Revenue
$1.96B
▼ 7.9% YoY Diluted EPS
$0.65
▼ 35% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-01-17
Citizens Financial Group Inc (CFG) Q4 2023 Earnings Call Transcript
Positive tone
Private bank buildout
Credit quality and CRE
Consumer deposit franchise
Revenue
$1.99B*
▼ 9.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-10-18
Citizens Financial Group Inc (CFG) Q3 2023 Earnings Call Transcript
Revenue
$2.01B
▼ 7.5% YoY Diluted EPS
$0.85
▼ 30.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-07-19
Citizens Financial Group Inc (CFG) Q2 2023 Earnings Call Transcript
Revenue
$2.09B
▲ 4.8% YoY Diluted EPS
$0.92
▲ 37.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-04-19
Citizens Financial Group Inc (CFG) Q1 2023 Earnings Call Transcript
Revenue
$2.13B
▲ 29.4% YoY Diluted EPS
$1.00
▲ 7.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-01-17
Citizens Financial Group Inc (CFG) Q4 2022 Earnings Call Transcript
Revenue
$2.20B*
▲ 27.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-10-19
Citizens Financial Group Inc (CFG) Q3 2022 Earnings Call Transcript
Revenue
$2.18B
▲ 31.2% YoY Diluted EPS
$1.23
▲ 4.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-07-19
Citizens Financial Group Inc (CFG) Q2 2022 Earnings Call Transcript
Revenue
$2.00B
▲ 24.2% YoY Diluted EPS
$0.67
▼ 53.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-04-19
Citizens Financial Group Inc (CFG) Q1 2022 Earnings Call Transcript
Revenue
$1.65B
▼ 0.8% YoY Diluted EPS
$0.93
▼ 32.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-01-19
Citizens Financial Group Inc (CFG) Q4 2021 Earnings Call Transcript
Revenue
$1.72B*
▲ 0.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-10-20
Citizens Financial Group Inc (CFG) Q3 2021 Earnings Call Transcript
Revenue
$1.66B
▼ 7.4% YoY Diluted EPS
$1.18
▲ 73.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-20
Citizens Financial Group Inc (CFG) Q2 2021 Earnings Call Transcript
Revenue
$1.61B
▼ 8.1% YoY Diluted EPS
$1.44
▲ 171.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-04-16
Citizens Financial Group Inc (CFG) Q1 2021 Earnings Call Transcript
Revenue
$1.66B
▲ 0.1% YoY Diluted EPS
$1.37
▲ 4466.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-01-20
Citizens Financial Group Inc (CFG) Q4 2020 Earnings Call Transcript
Revenue
$1.71B*
▲ 4.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-16
Citizens Financial Group Inc (CFG) Q3 2020 Earnings Call Transcript
Revenue
$1.79B
▲ 9.3% YoY Diluted EPS
$0.68
▼ 29.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-17
Citizens Financial Group Inc (CFG) Q2 2020 Earnings Call Transcript
Revenue
$1.75B
▲ 7.5% YoY Diluted EPS
$0.53
▼ 44.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-04-17
Citizens Financial Group Inc (CFG) Q1 2020 Earnings Call Transcript
Revenue
$1.66B
▲ 4.3% YoY Diluted EPS
$0.03
▼ 96.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY19 · Q4
2020-01-17
Citizens Financial Group Inc (CFG) Q4 2019 Earnings Call
Revenue
$1.64B*
▲ 2.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Showing 1–28 of 28 earnings calls
Key facts
CIK
759944
CUSIP
174610105
13F (30d)
21 filings
16 filers
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