Citizens Financial Group Inc (CFG)

Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and education and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

Symbol
CFG
Exchange
NYSE
Sector
Financial Services
Industry
Banks - Regional
Market cap
$27.19B
52 week range
47.96 - 75.33

Valuation

Share price
$64.33 (close of 2026-10-02)
P/E (TTM)
13.86x
Price to book
1.04x
Price to free cash flow
10.87x
Enterprise value
$30.78B
Book value per share
$61.95

Price performance

PeriodChange
1 day+0.99%
5 days-1.83%
1 month-7.81%
3 months-9.37%
6 months+5.48%
Year to date+10.14%
1 year+21.42%
3 years+148.28%
5 years+33.27%
10 years+160.34%
All time+178.73%

Members of Congress who disclosed CFG trades

Jefferson Shreve

Super investors holding CFG

Ken Griffin (Citadel) · Sarah Ketterer (Causeway Capital Management LLC) · Ray Dalio (Bridgewater Associates) · George Soros (Soros Fund Mgmt) · Robert Olstein (Olstein Capital Management)

Profitability and growth

Return on equity
6.96%
Return on assets
0.81%
Net margin
111.99%
EBITDA margin
404.65%
Revenue growth
6.65%
Net income growth
21.34%
Free cash flow growth
10.49%

Cash flow and balance sheet

Free cash flow yield (TTM)
9.20%
Net debt to EBITDA
0.55x

Latest reported year

Period end
2025-12-31
Fiscal year
2025
Revenue
$1.64B
EBITDA
$6.62B
Net income
$1.83B
Earnings per share
$3.90
Interest expense
$3.81B
Shares outstanding
433.17M

Income statement by year

Period endRevenueNet incomeEPS
2025-12-31$1.64B$1.83B$3.90
2024-12-31$1.53B$1.51B$3.05
2023-12-31$1.27B$1.61B$3.14
2022-12-31$1.30B$2.07B$4.12
2021-12-31$1.32B$2.32B$5.18
2020-12-31$1.08B$1.06B$2.22
2019-12-31$1.17B$1.79B$3.82
2018-12-31$1.12B$1.72B$3.54
2017-12-31$5.71B$1.65B$3.26
2016-12-31$5.25B$1.04B$1.97

Margins and returns by year

Period endNet marginReturn on equity
2025-12-31111.99%6.96%
2024-12-3198.43%6.22%
2023-12-31127.01%6.61%
2022-12-31159.58%8.75%
2021-12-31175.02%9.90%
2020-12-3197.87%4.66%
2019-12-31152.82%8.07%
2018-12-31153.80%8.27%
2017-12-3128.95%8.15%
2016-12-3119.89%5.29%

Cash and debt by year

Period endCashDebt
2025-12-31$12.73B$11.22B
2024-12-31$10.60B$12.40B
2023-12-31$11.63B$13.47B
2022-12-31$10.55B$15.89B
2021-12-31$9.16B$6.93B
2020-12-31$12.73B$8.35B
2019-12-31$3.39B$14.05B
2018-12-31$4.07B$15.93B
2017-12-31$3.03B$11.77B
2016-12-31$3.70B$12.79B

Free cash flow by year

Period endFree cash flowStock-based compensation
2025-12-31$2.21B$120.00M
2024-12-31$2.00B$97.00M
2023-12-31$2.96B$87.00M
2022-12-31$4.12B$84.00M
2021-12-31$2.27B$59.00M
2020-12-31$111.00M$48.00M
2019-12-31$1.57B$41.00M
2018-12-31$1.53B$41.00M
2017-12-31$1.63B$48.00M
2016-12-31$1.35B$23.00M

Dividend history

Most recent payment
2026-07-30
Paid in the last twelve months
$1.84
Payment dateDividend per share
2026-07-30$0.46
2026-04-30$0.46
2026-02-04$0.46
2025-10-29$0.46
2025-07-31$0.42
2025-04-30$0.42
2025-01-31$0.42
2024-10-30$0.42

Investor relations

Next earnings report

Next confirmed report
2026-10-16
Consensus EPS estimate
$1.38

Past earnings dates

ReportedFiscal periodEPS estimate
2026-07-16Jun/2026$1.25
2026-04-16Mar/2026$1.10
2026-01-21Dec/2025$1.11
2025-10-16--
2025-10-15Sep/2025$1.02
2025-07-17Jun/2025$0.88
2025-07-16--
2025-04-16Mar/2025$0.75

Filings and sources

Company website
citizensbank.com
SEC filings
10-K, 10-Q and 8-K on EDGAR
Earnings calendar
All upcoming reports

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Understanding these figures

Price-to-earnings ratio · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart

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