Citizens Financial Group financials
$63.89−1.40%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.19B | $3.03B | $3.07B | $3.09B | $3.01B | $2.90B | $3.04B | $3.07B | $3.13B | $3.13B | $3.18B | $3.09B |
| Gross profit | $2.28B | $2.17B | $2.16B | $2.12B | $2.04B | $1.94B | $1.99B | $1.90B | $1.96B | $1.96B | $1.99B | $2.01B |
| Gross margin | 71.5% | 71.6% | 70.4% | 68.6% | 67.7% | 66.8% | 65.4% | 61.9% | 62.8% | 62.6% | 62.6% | 65.2% |
| Operating income | $755.0M | $650.0M | $677.0M | $629.0M | $554.0M | $468.0M | $508.0M | $470.0M | $480.0M | $430.0M | $205.0M | $549.0M |
| Net income | $554.0M | $484.0M | $489.0M | $457.0M | $402.0M | $340.0M | $367.0M | $344.0M | $357.0M | $304.0M | $159.0M | $400.0M |
| Net margin | 17.3% | 16.0% | 15.9% | 14.8% | 13.4% | 11.7% | 12.1% | 11.2% | 11.4% | 9.7% | 5.0% | 13.0% |
| Diluted EPS | $1.30 | $1.13 | $1.13 | $1.05 | $0.92 | $0.77 | $0.83 | $0.77 | $0.78 | $0.65 | $0.34 | $0.85 |
| EBITDA | $755.0M | $650.0M | $677.0M | $629.0M | $554.0M | $468.0M | $508.0M | $470.0M | $480.0M | $430.0M | $205.0M | $549.0M |
| Operating cash flow | $695.0M | $268.0M | -$158.0M | $1.70B | $646.0M | $27.0M | $483.0M | $130.0M | $834.0M | $554.0M | -$1.96B | $1.31B |
| Free cash flow | $674.0M | $268.0M | -$250.0M | $1.66B | $613.0M | $13.0M | $435.0M | $96.0M | $804.0M | $544.0M | -$2.01B | $1.27B |
| Diluted shares | 426.7M | 429.9M | 433.4M | 435.5M | 436.5M | 442.2M | 443.8M | 449.9M | 456.6M | 463.8M | 466.9M | 471.2M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $1.22B | $1.08B | $1.46B | $1.25B | $1.11B | $1.08B |
| Short-term investments | $57.73B | $56.24B | $55.85B | $55.35B | $51.90B | $54.58B |
| Total debt | $16.35B | $12.31B | $11.28B | $10.65B | $12.78B | $12.31B |
| Total assets | $233.84B | $227.92B | $226.35B | $222.75B | $218.31B | $220.15B |
| Total liabilities | $207.65B | $201.75B | $200.03B | $196.92B | $193.08B | $195.28B |
| Shareholders' equity | $26.18B | $26.17B | $26.32B | $25.83B | $25.23B | $24.87B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology