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Stocks · Financials · State Commercial Banks

Citizens Financial Group

CFG Clue Score55
United States Fiscal year ends December CIK 0000759944
$63.57 -0.81% Close, 9 Oct 2026
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Price $63.57 +31.53% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue5.26Net income1.05EPS, diluted1.97Fiscal year 2017Revenue5.71 +8.6%Net income1.65 +58.1%EPS, diluted3.25 +65.0%Fiscal year 2018Revenue1.12 −80.4%Net income1.72 +4.2%EPS, diluted3.52 +8.3%Fiscal year 2019Revenue1.17 +4.7%Net income1.79 +4.1%EPS, diluted3.81 +8.2%Fiscal year 2020Revenue1.08 −7.8%Net income1.06 −41.0%EPS, diluted2.22 −41.7%Fiscal year 2021Revenue1.33 +22.7%Net income2.32 +119.4%EPS, diluted5.16 +132.4%Fiscal year 2022Revenue1.30 −2.0%Net income2.07 −10.6%EPS, diluted4.10 −20.5%Fiscal year 2023Revenue1.27 −2.5%Net income1.61 −22.4%EPS, diluted3.13 −23.7%Fiscal year 2024Revenue1.53 +21.1%Net income1.51 −6.2%EPS, diluted3.03 −3.2%Fiscal year 2025Revenue1.64 +6.7%Net income1.83 +21.3%EPS, diluted3.86 +27.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 5.26 5.71 1.12 1.17 1.08 1.33 1.30 1.27 1.53 1.64
Growth +8.6% −80.4% +4.7% −7.8% +22.7% −2.0% −2.5% +21.1% +6.7%
Net income 1.05 1.65 1.72 1.79 1.06 2.32 2.07 1.61 1.51 1.83
Growth +58.1% +4.2% +4.1% −41.0% +119.4% −10.6% −22.4% −6.2% +21.3%
EPS, diluted 1.97 3.25 3.52 3.81 2.22 5.16 4.10 3.13 3.03 3.86
Growth +65.0% +8.3% +8.2% −41.7% +132.4% −20.5% −23.7% −3.2% +27.4%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin19.9%Free cash flow margin25.7%Fiscal year 2017Net margin28.9%Free cash flow margin28.6%Fiscal year 2018Net margin153.8%Free cash flow margin137.2%Fiscal year 2019Net margin152.8%Free cash flow margin134.0%Fiscal year 2020Net margin97.9%Fiscal year 2021Net margin175.0%Fiscal year 2022Net margin159.6%Fiscal year 2023Net margin127.0%Fiscal year 2024Net margin98.4%Fiscal year 2025Net margin112.0%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 19.9% 28.9% 153.8% 152.8% 97.9% 175.0% 159.6% 127.0% 98.4% 112.0%
Free cash flow margin 25.7% 28.6% 137.2% 134.0% n/a n/a n/a n/a n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow1.49Capital expenditure−0.14Free cash flow1.35Buybacks−0.43Dividends paid−0.24Fiscal year 2017Operating cash flow1.88Capital expenditure−0.25Free cash flow1.63 +20.6%Buybacks−0.82Dividends paid−0.32Fiscal year 2018Operating cash flow1.77Capital expenditure−0.23Free cash flow1.54 −5.8%Buybacks−1.03Dividends paid−0.47Fiscal year 2019Operating cash flow1.70Capital expenditure−0.13Free cash flow1.57 +2.3%Buybacks−1.22Dividends paid−0.62Fiscal year 2020Operating cash flow0.11Buybacks−0.27Dividends paid−0.67Fiscal year 2021Operating cash flow2.28Buybacks−0.30Dividends paid−0.67Fiscal year 2022Operating cash flow4.12Buybacks−0.15Dividends paid−0.78Fiscal year 2023Operating cash flow2.96Buybacks−0.91Dividends paid−0.81Fiscal year 2024Operating cash flow2.00Buybacks−1.05Dividends paid−0.77Fiscal year 2025Operating cash flow2.21Buybacks−0.60Dividends paid−0.76
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 1.49 1.88 1.77 1.70 0.11 2.28 4.12 2.96 2.00 2.21
Capital expenditure −0.14 −0.25 −0.23 −0.13 n/a n/a n/a n/a n/a n/a
Free cash flow 1.35 1.63 1.54 1.57 n/a n/a n/a n/a n/a n/a
Growth +20.6% −5.8% +2.3%
Buybacks −0.43 −0.82 −1.03 −1.22 −0.27 −0.30 −0.15 −0.91 −1.05 −0.60
Dividends paid −0.24 −0.32 −0.47 −0.62 −0.67 −0.67 −0.78 −0.81 −0.77 −0.76

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash3.70Total debt12.79Net cash (debt)−9.09Shareholders’ equity19.75Debt to equity0.65Fiscal year 2017Cash3.03Total debt11.77Net cash (debt)−8.73Shareholders’ equity20.27Debt to equity0.58Fiscal year 2018Cash4.07Total debt15.93Net cash (debt)−11.85Shareholders’ equity20.82Debt to equity0.76Fiscal year 2019Cash3.39Total debt14.05Net cash (debt)−10.66Shareholders’ equity22.20Debt to equity0.63Fiscal year 2020Cash12.73Total debt8.35Net cash (debt)4.39Shareholders’ equity22.67Debt to equity0.37Fiscal year 2021Cash9.16Total debt6.93Net cash (debt)2.23Shareholders’ equity23.42Debt to equity0.30Fiscal year 2022Cash10.55Total debt15.89Net cash (debt)−5.34Shareholders’ equity23.69Debt to equity0.67Fiscal year 2023Cash11.63Total debt13.47Net cash (debt)−1.84Shareholders’ equity24.34Debt to equity0.55Fiscal year 2024Cash10.60Total debt12.40Net cash (debt)−1.80Shareholders’ equity24.25Debt to equity0.51Fiscal year 2025Cash12.73Total debt11.22Net cash (debt)1.50Shareholders’ equity26.32Debt to equity0.43
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 3.70 3.03 4.07 3.39 12.73 9.16 10.55 11.63 10.60 12.73
Total debt 12.79 11.77 15.93 14.05 8.35 6.93 15.89 13.47 12.40 11.22
Net cash (debt) −9.09 −8.73 −11.85 −10.66 4.39 2.23 −5.34 −1.84 −1.80 1.50
Shareholders’ equity 19.75 20.27 20.82 22.20 22.67 23.42 23.69 24.34 24.25 26.32
Debt to equity 0.65 0.58 0.76 0.63 0.37 0.30 0.67 0.55 0.51 0.43

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
29.2% 33.5% 195.1% 192.1% 120.2% 224.7% 204.4% 160.3% 123.2% 142.4%
19.9% 28.9% 153.8% 152.8% 97.9% 175.0% 159.6% 127.0% 98.4% 112.0%
25.7% 28.6% 137.2% 134.0% n/a n/a n/a n/a n/a n/a
Spending
2.6% 4.4% 20.7% 10.8% n/a n/a n/a n/a n/a n/a
31.9% 13.6% 21.2% 20.4% 18.6% 22.1% 21.9% 20.8% 20.1% 21.3%
Returns
5.3% 8.1% 8.3% 8.1% 4.7% 9.9% 8.8% 6.6% 6.2% 7.0%
0.7% 1.1% 1.1% 1.1% 0.6% 1.2% 0.9% 0.7% 0.7% 0.8%
Balance and payout
0.65 0.58 0.76 0.63 0.37 0.30 0.67 0.55 0.51 0.43
86.8% 86.7% 87.0% 86.6% 87.6% 87.6% 89.6% 89.0% 88.8% 88.4%
23.1% 19.5% 27.4% 34.5% 63.6% 28.9% 37.6% 50.2% 51.0% 41.2%
49.6% 70.1% 97.5% 116.9% n/a n/a n/a n/a n/a n/a