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Financial statements

CITIZENS FINANCIAL GROUP INC/RI financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data CITIZENS FINANCIAL GROUP INC/RI files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue5,2555,7076,1286,4916,9056,6478,0218,2247,8098,247
Selling and marketing98105129112100111166187170170
Interest expense5087471,2261,5757713391,0483,963
Pre-tax income1,5341,9122,1832,2511,2982,9772,6552,0301,8882,328
Income tax489260462460241658582422379497
Net income1,0451,6521,7211,7911,0572,3192,0731,6081,5091,831
EPS, basic1.973.263.543.822.225.184.123.143.053.90
EPS, diluted1.973.253.523.812.225.164.103.133.033.86
Shares, basic (weighted)522502479450427426476475451433
Shares, diluted (weighted)524504480451428427478477454437
Dividend per share0.460.640.981.361.561.561.621.681.681.72

Balance sheet

FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash and equivalents3,7043,0324,0743,38612,7339,15810,54711,62810,60112,727
Property, plant and equipment601685791761759768844895875915
Lease right-of-use assets6998007661,019885869958
Goodwill6,8766,8876,9237,0447,0507,1168,1738,1888,1878,187
Intangible assets231685864197157146115
Total assets149,520152,336160,518165,733183,349188,409226,733221,964217,521226,351
Short-term debt4,3592,6711,317274243743505058
Total liabilities129,773132,066139,701143,532160,676164,989203,043197,622193,267200,034
Total debt12,79011,76515,92514,0478,3466,93215,88713,46712,40111,224
Paid-in capital18,72218,78118,81518,89118,94019,00522,14222,25022,36422,476
Retained earnings2,7034,1645,3856,4986,4457,9789,1599,81610,41211,345
Treasury stock-1,263-2,108-3,133-4,353-4,623-4,918-5,071-5,986-7,047-7,652
Other comprehensive income-668-820-1,096-411-60-665-4,560-3,758-3,595-1,970
Shareholders' equity19,74720,27020,81722,20122,67323,42023,69024,34224,25426,317
Total equity19,74720,27020,81722,20122,67323,42023,69024,34224,25426,317
Total liabilities and equity149,520152,336160,518165,733183,349188,409226,733221,964217,521226,351
Shares outstanding512491466433427422492466441429

Cash flow statement

FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income1,0451,6521,7211,7911,0572,3192,0731,6081,5091,831
Depreciation and amortization515487486633578625565478498478
Stock-based compensation234841414859848797120
Deferred income tax153-1369764-238-42957-242-177-82
Cash from operations1,4901,8831,7671,6971112,2754,1192,9612,0012,211
Capital expenditures-138-253-232-126
Acquisitions00-533-129-3-165-25500
Purchases of investments-7,664-5,394-4,270-8,422-9,271-12,406-10,776-10,087-9,755-9,463
Sales and maturities of investments3,7853,4703,2583,9466,9437,8103,4222,0013,3044,018
Cash from investing-11,326-3,984-7,077-3,875-6,136-10,486-12,6375,2482,987-5,967
Debt issued15,14415,36322,50312,8508,323024,61725,98313,1858,534
Debt repaid-8,429-12,751-14,837-14,857-14,022-1,352-19,691-28,418-14,286-9,744
Share buybacks-430-820-1,025-1,220-270-295-153-906-1,050-600
Dividends paid-241-322-471-617-672-670-779-808-769-755
Cash from financing10,4551,4296,3521,49015,3724,6369,907-7,128-6,0155,882
Net change in cash619-6721,042-6889,347-3,5751,3891,081-1,0272,126
Free cash flow1,3521,6301,5351,571
Interest paid5057161,1841,5608373479893,6404,3754,040
Income taxes paid943712413262611,247183375208151

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $65.53 on September 25, 2026.

Profitability

MetricValueHow it is calculated
Pre-tax margin31.1%Pre-tax income / revenue.
Net margin24.4%Net income / revenue.
Operating cash flow margin28.7%Cash from operations / revenue.
Effective tax rate21.6%Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)8.1%Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)0.9%Net income / average total assets.
Stock-based pay / revenue1.5%Stock-based compensation (from the cash flow statement) / revenue.
D&A / revenue5.1%Depreciation and amortization / revenue.

Growth

MetricValueHow it is calculated
Revenue growth, 1y5.6%Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y0.9%Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y3.6%Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y21.3%Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y-4.1%Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y11.6%Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y27.4%EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y-2.0%Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y11.7%Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y10.5%Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y-18.7%Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y81.9%Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y2.4%Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y2.0%Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share CAGR, 5y2.0%Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y8.5%Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y3.6%Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y3.0%Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y4.1%Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y-0.1%Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y4.3%Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y-3.7%Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y-2.9%Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y0.4%Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

MetricValueHow it is calculated
Debt / equity0.58xTotal debt / shareholders' equity. Not shown when equity is negative.
Debt / assets6.5%Total debt / total assets.
Liabilities / assets88.8%Total liabilities / total assets.
Net debt$2.43BTotal debt - cash - short-term investments. Negative means more cash than debt.
Goodwill and intangibles / assets3.5%(Goodwill + intangible assets) / total assets.
Tangible book value$17.96BShareholders' equity - goodwill - intangible assets.

Efficiency

MetricValueHow it is calculated
Asset turnover0.04xRevenue / average total assets.
Fixed asset turnover10.00xRevenue / average property, plant and equipment.

Per share

MetricValueHow it is calculated
EPS, diluted$4.98Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share$20.45Revenue / diluted weighted shares.
Operating cash flow per share$5.86Cash from operations / diluted weighted shares.
Book value per share$61.95Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share$42.50Tangible book value / shares outstanding.
Cash per share$30.19(Cash + short-term investments) / shares outstanding.
Payout ratio36.7%Dividends paid / net income, when net income is positive.

Valuation

MetricValueHow it is calculated
Market cap$27.60BShare price x shares outstanding.
Enterprise value$30.03BMarket cap + total debt - cash - short-term investments.
P/E13.0xMarket cap / net income. Only when net income is positive.
P/S3.16xMarket cap / revenue.
P/B1.05xMarket cap / shareholders' equity. Only when equity is positive.
Price / tangible book1.54xMarket cap / tangible book value, when positive.
P/OCF11.0xMarket cap / cash from operations, when positive.
EV/Sales3.44xEnterprise value / revenue.
Earnings yield7.7%Net income / market cap (the inverse of P/E).
Dividend yield2.8%Dividends paid over the period / market cap.
Shareholder yield5.5%(Dividends paid + share buybacks) / market cap.
What was CITIZENS FINANCIAL GROUP INC/RI's revenue in fiscal 2025?

CITIZENS FINANCIAL GROUP INC/RI reported revenue of $8.25B for fiscal 2025, 5.6% higher than the year before.

Was CITIZENS FINANCIAL GROUP INC/RI profitable in fiscal 2025?

Yes. Net income was $1.83B, a net margin of 22.2%.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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