CFG · Citizens Financial Group Inc · Financials

$65.26 +0.40 (+0.62%) At close · Nov 13 Play latest call Q3 2026 earnings call transcript

S&P 500 member Russell 1000 member Rebalance outlook locked

Market Cap

$27.36B

419.20M

Volume · Nov 13 2.25M Avg daily vol (3M) 4.03M

Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.

Pull these statements through the financial statements API or MCP →

Revenue

$8.25B +5.6%

FY2025

Net Income

$1.83B +21.3%

FY2025

Diluted EPS

$3.86 +27.4%

FY2025

Operating Cash Flow

$2.21B +10.5%

FY2025

Chart any reported metric, KPI or segment over time — the full statement history lives here

Income Statement Balance Sheet Cash Flow Adjusted All Metrics

Annual Quarterly

Line Item	3Y	5Y	10Y	TTM	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014	FY2013	FY2012
Revenue	+0.9%	+3.6%	+5.5%	$8.93B	$8.25B	$7.81B	$8.22B	$8.02B	$6.65B	$6.91B	$6.49B	$6.13B	$5.71B	$5.26B	$4.82B	$4.98B	$4.69B	$4.89B
Interest & Dividend Income	+11.0%	+12.5%	+9.6%	$10.03B	$9.66B	$10.19B	$10.2B	$7.06B	$4.85B	$5.36B	$6.19B	$5.76B	$4.92B	$4.27B	$3.85B	$3.66B	$3.5B	$3.85B
Net Interest Income	-0.9%	+5.0%	+5.6%	$6.41B	$5.85B	$5.63B	$6.24B	$6.01B	$4.51B	$4.59B	$4.61B	$4.53B	$4.17B	$3.76B	$3.4B	$3.3B	$3.06B	$3.23B
Noninterest Income	+6.0%	+0.6%	+5.3%	$2.53B	$2.39B	$2.18B	$1.98B	$2.01B	$2.14B	$2.32B	$1.88B	$1.6B	$1.53B	$1.5B	$1.42B	$1.68B	$1.63B	$1.67B
Rental Income	—	—	—	—	$16M	$21M	$22M	—	—	—	—	—	—	—	—	—	—	—
Amortization of Intangibles	-7.0%	+24.6%	—	—	$33M	$35M	$42M	$41M	$11M	$11M	$11M	$3M	$0	$0	—	—	—	—
Depreciation & Amortization	-5.4%	-3.7%	+0.1%	$427M	$478M	$498M	$478M	$565M	$625M	$578M	$633M	$486M	$487M	$515M	$471M	$386M	$404M	$467M
Restructuring Charges	—	—	—	—	—	—	—	—	—	—	—	—	—	$2M	$31M	$124M	$31M	$7M
Interest Expense	+53.8%	+37.6%	+23.8%	$3.63B	$3.81B	$4.55B	$3.96B	$1.05B	$339M	$771M	$1.58B	$1.23B	$747M	$508M	$452M	$363M	$443M	$619M
Interest Income	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$626M	$624M	$488M	$624M
Pretax Income	-4.3%	+12.4%	+6.3%	$2.89B	$2.33B	$1.89B	$2.03B	$2.66B	$2.98B	$1.3B	$2.25B	$2.18B	$1.91B	$1.53B	$1.26B	$1.27B	-$3.47B	$1.02B
Income Tax	-5.1%	+15.6%	+1.6%	$618M	$497M	$379M	$422M	$582M	$658M	$241M	$460M	$462M	$260M	$489M	$423M	$403M	-$42M	$381M
Net Income	-4.1%	+11.6%	+8.1%	$2.27B	$1.83B	$1.51B	$1.61B	$2.07B	$2.32B	$1.06B	$1.79B	$1.72B	$1.65B	$1.05B	$840M	$865M	-$3.43B	$643M
Net Margin	—	—	—	—	22.2%	19.32%	19.55%	25.84%	34.89%	15.31%	27.59%	28.08%	28.95%	19.89%	17.41%	17.37%	-73.05%	13.14%
Net Income Available to Common Stockholders	-4.9%	+12.2%	+7.3%	$2.13B	$1.69B	$1.37B	$1.49B	$1.96B	$2.21B	$950M	$1.72B	$1.69B	$1.64B	$1.03B	$833M	$865M	-$3.43B	$643M
Comprehensive Income	—	+19.7%	+15.4%	$853M	$3.46B	$1.67B	$2.41B	-$1.82B	$1.71B	$1.41B	$2.47B	$1.45B	$1.65B	$764M	$825M	$1.14B	-$3.76B	$859M
EPS (Basic) USD/shares	-1.8%	+11.9%	+9.7%	$5.00	$3.90	$3.05	$3.14	$4.12	$5.18	$2.22	$3.82	$3.54	$3.26	$1.97	$1.55	$1.55	-$6.12	$1.15
EPS (Diluted) USD/shares	-2.0%	+11.7%	+9.6%	$4.96	$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
Shares Outstanding (Basic Avg) shares	-3.1%	+0.3%	-2.1%	—	433.17M	450.68M	475.09M	475.96M	425.67M	427.06M	449.73M	478.82M	502.16M	522.09M	535.6M	556.67M	560M	560M
Shares Outstanding (Diluted Avg) shares	-2.9%	+0.4%	-2.1%	—	436.89M	453.51M	476.69M	477.8M	427.44M	428.16M	451.21M	480.43M	503.69M	523.93M	538.22M	557.72M	560M	560M

Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing. TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.

Capital Returned to Shareholders

Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2012–FY2025: $7.6B in buybacks, $8.3B in dividends.

Debt Profile

Reported borrowing balances, repayment dates and agreement terms, with links to the underlying filings.

Read debt and covenant terms in your AI or your code through MCP and the API →

Reported debt balances

Each amount keeps its reported scope. Related balance-sheet measures appear under the borrowing they describe.

Reported balance	As of	Amount	Source
Long-term debt, including current maturities	2026-09-30	USD 17,013,000,000	10-Q filed 2026-10-28
Related accounting measures — not additional borrowing Carrying amounts can reflect issuance costs or discounts. Differences between these measures are not necessarily repayments due within a year. Unsecured debt, including current maturities USD 17,100,000,000
Short-term borrowings	2026-09-30	USD 819,000,000	10-Q filed 2026-10-28

Instrument and agreement coverage is incomplete. Additional filings are awaiting review.

1 filing has incomplete source or extraction coverage. Verified observations are shown; missing observations do not establish that debt was unchanged.

Covenants

Covenant terms have not yet been verified for this profile.

The balance figures do not establish whether covenants apply or whether the company complies with them.

Loans, facilities and notes

The instrument breakdown is not yet verified. Read the debt note in the linked report for borrowing terms and maturity conditions.

Price & Valuation

Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.

Valuation

EV/Revenue

3.61×

Peer median 3.80×

EV/EBIT

—

P/E (TTM)

13.16×

Peer median 12.24×

Price/Sales (TTM)

3.06×

Peer median 3.57×

Price/Book

1.09×

Peer median 1.25×

Peer medians compare against the 88 similar-size Banks - Regional companies (of 348 listed).

Valuation over time computed as of each quarter's filing date

Revenue Breakdown

Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.

Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.

By Segment (USD)

Component	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Consumer Banking	$6,224,000,000	$5,695,000,000	$5,254,000,000	$4,712,000,000	$4,166,000,000	$4,966,000,000	$4,338,000,000	$4,037,000,000
Commercial Banking	$2,773,000,000	$2,858,000,000	$3,076,000,000	$2,948,000,000	$2,515,000,000	$2,238,000,000	$2,073,000,000	$2,042,000,000
Other Segment	$0	$25,000,000	$0	—	—	—	—	—
Non Core Segment	—	-$117,000,000	-$129,000,000	$378,000,000	$594,000,000	—	—	—
All Other Segments	—	—	—	—	$0	$0	$0	—

By Product & Service (USD)

Component	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Capital Markets Fees	$485,000,000	$445,000,000	$293,000,000	$341,000,000	$419,000,000	$249,000,000	$202,000,000	$181,000,000
Service Charges and Fees	$442,000,000	$417,000,000	$409,000,000	$418,000,000	$407,000,000	$401,000,000	$503,000,000	$513,000,000
Wealth Fees	$360,000,000	$294,000,000	$259,000,000	$250,000,000	$239,000,000	$203,000,000	$202,000,000	$171,000,000
Card Fees	$335,000,000	$362,000,000	$291,000,000	$271,000,000	$248,000,000	$216,000,000	$254,000,000	$244,000,000
Other Banking Fees	$13,000,000	$15,000,000	$14,000,000	$19,000,000	$12,000,000	$11,000,000	$11,000,000	$10,000,000

Key facts CIK 759944 CUSIP 174610105 13F (30d) 878 filings 809 filers Visit website Investor relations