Citizens Financial Group financials
$63.89−1.40%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $12.06B | $12.36B | $12.19B | $9.07B | $6.99B | $7.68B | $8.07B | $7.35B | $6.45B | $5.76B |
| Gross profit | $8.25B | $7.81B | $8.22B | $8.02B | $6.65B | $6.91B | $6.49B | $6.13B | $5.71B | $5.25B |
| Gross margin | 68.4% | 63.2% | 67.5% | 88.4% | 95.1% | 90.0% | 80.5% | 83.3% | 88.4% | 91.2% |
| Operating income | $2.33B | $1.89B | $2.03B | $2.65B | $2.98B | $1.30B | $2.25B | $2.18B | $1.91B | $1.53B |
| Net income | $1.69B | $1.37B | $1.49B | $1.96B | $2.21B | $950.0M | $1.72B | $1.69B | $1.64B | $1.03B |
| Net margin | 14.0% | 11.1% | 12.2% | 21.6% | 31.6% | 12.4% | 21.3% | 23.0% | 25.4% | 17.9% |
| Diluted EPS | $3.86 | $3.03 | $3.13 | $4.10 | $5.16 | $2.22 | $3.81 | $3.52 | $3.25 | $1.97 |
| EBITDA | $2.33B | $1.89B | $2.03B | $2.65B | $2.98B | $1.30B | $2.25B | $2.18B | $1.91B | $1.53B |
| Operating cash flow | $2.21B | $2.00B | $2.96B | $4.12B | $2.27B | $3.13B | $1.70B | $1.77B | $1.88B | $1.49B |
| Free cash flow | $2.04B | $1.88B | $2.79B | $3.99B | $2.15B | $3.01B | $1.60B | $1.53B | $1.63B | $1.35B |
| Diluted shares | 436.9M | 453.5M | 476.7M | 477.8M | 427.4M | 428.2M | 451.2M | 480.4M | 503.7M | 523.9M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $1.46B | $1.41B | $1.79B | $1.49B | $1.16B | $1.04B |
| Short-term investments | $55.85B | $51.19B | $49.64B | $44.04B | $36.63B | $40.09B |
| Total debt | $11.28B | $12.40B | $13.97B | $15.89B | $7.01B | $8.59B |
| Total assets | $226.35B | $217.52B | $221.96B | $226.73B | $188.41B | $183.35B |
| Total liabilities | $200.03B | $193.27B | $197.62B | $203.04B | $164.99B | $160.68B |
| Shareholders' equity | $26.32B | $24.25B | $24.34B | $23.69B | $23.42B | $22.67B |
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