Citizens Financial Group Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	1,831	1,509	1,608	2,073	2,319
Depreciation & Amortization	207	230	224	322	390
Other Amortization	271	268	254	243	235
Gain (Loss) on Sale of Assets	-24	-18	-28	-9	-11
Provision for Credit Losses	608	687	687	474	-411
Net Decrease (Increase) in Loans Originated / Sold - Operating	-414	-24	98	1,733	1,085
Change in Other Net Operating Assets	-306	-571	273	-858	-962
Other Operating Activities	-82	-177	-242	57	-429
Operating Cash Flow	2,211	2,001	2,961	4,119	2,275
Operating Cash Flow Growth	10.50%	-32.42%	-28.11%	81.05%	1949.55%
Capital Expenditures	-174	-122	-172	-126	-124
Cash Acquisitions	-	-	-	-255	-165
Investment in Securities	-1,224	-2,400	-4,486	-5,128	-2,810
Net Decrease (Increase) in Loans Originated / Sold - Investing	-4,222	5,602	9,967	-6,257	-6,021
Other Investing Activities	-347	-93	-61	-871	-1,366
Investing Cash Flow	-5,967	2,987	5,248	-12,637	-10,486
Short-Term Debt Issued	58	-	502	-	-
Long-Term Debt Issued	8,534	13,185	25,983	24,617	-
Total Debt Issued	8,592	13,185	26,485	24,617	-
Short-Term Debt Repaid	-	-505	-	-95	-154
Long-Term Debt Repaid	-9,744	-14,286	-28,418	-19,691	-1,352
Total Debt Repaid	-9,744	-14,791	-28,418	-19,786	-1,506
Net Debt Issued (Repaid)	-1,152	-1,606	-1,933	4,831	-1,506
Repurchase of Common Stock	-600	-1,050	-906	-153	-295
Preferred Stock Issued	393	392	-	-	296
Preferred Share Repurchases	-400	-300	-	-	-250
Common Dividends Paid	-755	-769	-808	-779	-670
Preferred Dividends Paid	-133	-134	-120	-113	-113
Total Dividends Paid	-888	-903	-928	-892	-783
Net Increase (Decrease) in Deposit Accounts	8,537	-2,566	-3,382	6,146	7,197
Other Financing Activities	-8	18	21	-25	-23
Financing Cash Flow	5,882	-6,015	-7,128	9,907	4,636
Net Cash Flow	2,126	-1,027	1,081	1,389	-3,575
Free Cash Flow	2,037	1,879	2,789	3,993	2,151
Free Cash Flow Growth	8.41%	-32.63%	-30.15%	85.63%	-
Free Cash Flow Margin	26.67%	26.38%	37.00%	52.91%	30.48%
Free Cash Flow Per Share	4.66	4.14	5.85	8.36	5.03
Cash Interest Paid	4,040	4,375	3,640	989	347
Cash Income Tax Paid	151	208	375	183	1,247

Source: S&P Global Market Intelligence. Banks template. Financial Sources.