CFG
Citizens Financial Group, Inc.
NYSE: CFG · FINANCIAL SERVICES · BANKS - REGIONAL
$64.40
-0.91% today
Updated 2026-04-29
Market cap
$27.44B
P/E ratio
15.26
P/S ratio
3.48x
EPS (TTM)
$4.22
Dividend yield
2.71%
52W range
$37 – $68
Volume
5.0M
Citizens Financial Group, Inc. (CFG) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.92B | $5.51B | $5.13B | $5.05B | $5.28B | $5.76B | $6.45B | $7.35B | $8.07B | $7.68B | $6.99B | $9.07B | $12.19B | $12.35B | $11.15B |
| Revenue growth (YoY) | — | -6.8% | -6.9% | -1.5% | +4.4% | +9.2% | +12.0% | +13.9% | +9.7% | -4.8% | -9.0% | +29.8% | +34.4% | +1.3% | -9.7% |
| Cost of revenue | $1.77B | $1.03B | $922.00M | $682.00M | $754.00M | $877.00M | $1.07B | $1.55B | $1.97B | $2.39B | $-72.00M | $1.52B | $4.65B | $5.24B | $3.37B |
| Gross profit | $4.15B | $4.48B | $4.21B | $4.37B | $4.52B | $4.89B | $5.39B | $5.80B | $6.10B | $5.29B | $7.06B | $7.55B | $7.54B | $7.11B | $7.78B |
| Gross margin | 70.1% | 81.3% | 82.0% | 86.5% | 85.7% | 84.8% | 83.5% | 78.9% | 75.6% | 68.9% | 101.0% | 83.2% | 61.8% | 57.6% | 69.8% |
| R&D | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $1.74B | $1.84B | $1.74B | $1.77B | $1.75B | $1.83B | $1.90B | $1.98B | $2.03B | $2.19B | $2.20B | $2.65B | $2.76B | $2.82B | $2.93B |
| Operating income | $778.00M | $1.02B | $-3.47B | $1.27B | $1.26B | $1.53B | $1.91B | $2.18B | $2.25B | $1.30B | $2.98B | $2.65B | $2.03B | $1.89B | $2.33B |
| Operating margin | 13.2% | 18.6% | -67.6% | 25.1% | 23.9% | 26.6% | 29.6% | 29.7% | 27.9% | 16.9% | 42.6% | 29.3% | 16.7% | 15.3% | 20.9% |
| EBITDA | $1.21B | $1.49B | $-3.06B | $1.65B | $1.73B | $2.05B | $2.40B | $2.67B | $2.88B | $1.88B | $3.60B | $3.22B | $2.51B | $2.39B | $2.69B |
| EBITDA margin | 20.5% | 27.0% | -59.7% | 32.7% | 32.9% | 35.6% | 37.2% | 36.3% | 35.8% | 24.4% | 51.6% | 35.5% | 20.6% | 19.3% | 24.2% |
| EBIT | $778.00M | $1.02B | $-3.47B | $1.27B | $1.26B | $1.53B | $1.91B | $2.18B | $2.25B | $1.30B | $2.98B | $2.65B | $2.03B | $1.89B | $2.33B |
| Interest expense | $884.00M | $619.00M | $443.00M | $363.00M | $452.00M | $508.00M | $747.00M | $1.23B | $1.57B | $771.00M | $339.00M | $1.05B | $3.96B | $4.55B | $3.81B |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $506.00M | $643.00M | $-3.43B | $865.00M | $840.00M | $1.04B | $1.65B | $1.72B | $1.79B | $1.06B | $2.32B | $2.07B | $1.61B | $1.51B | $1.83B |
| Net income growth (YoY) | — | +27.1% | -632.8% | +125.2% | -2.9% | +24.4% | +58.1% | +4.2% | +4.1% | -41.0% | +119.4% | -10.6% | -22.4% | -6.2% | +21.3% |
| Profit margin | 8.6% | 11.7% | -66.7% | 17.1% | 15.9% | 18.1% | 25.6% | 23.4% | 22.2% | 13.8% | 33.2% | 22.9% | 13.2% | 12.2% | 16.4% |