Citizens Financial Group, Inc. (CFG)
NYSE: CFG · Real-Time Price · USD
72.94
+1.84 (2.59%)
At close: Jul 28, 2026, 4:00 PM EDT
72.90
-0.04 (-0.05%)
After-hours: Jul 28, 2026, 7:54 PM EDT
Citizens Financial Group Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Net Income | 517 | 528 | 494 | 436 | 373 | 401 | 382 | 392 | 334 | 189 | 430 | 478 | 511 | 653 | 636 | 364 | 420 | 530 | 530 | 648 |
Depreciation & Amortization | 113 | 112 | 119 | 124 | 123 | 124 | 129 | 143 | 102 | 126 | 122 | 112 | 118 | 117 | 121 | 260 | 67 | 172 | 136 | 165 |
Provision for Credit Losses | 140 | 137 | 154 | 164 | 153 | 162 | 172 | 182 | 171 | 171 | 172 | 176 | 168 | 132 | 123 | 216 | 3 | -25 | -33 | -213 |
Stock-Based Compensation | 33 | 23 | 23 | 43 | 31 | 21 | 21 | 21 | 34 | 14 | 18 | 22 | 33 | 16 | 16 | 19 | 33 | 12 | 12 | 13 |
Net Change in Loans Held-for-Sale | -285 | -58.5 | -58.5 | 35 | -332 | -54.5 | -54.5 | -86 | 171 | - | 476 | -370 | -81 | 256.5 | 256.5 | 322 | 898 | - | 301 | 944 |
Other Adjustments | 45 | 3 | 20 | -104 | -25 | -131 | -27 | -32 | -5 | -190 | -26 | 14 | -68 | -71 | 46 | 124 | -51 | -644 | 12 | 116 |
Changes in Other Operating Activities | -326 | -628 | 670 | 188 | -536 | -8 | -524 | 214 | -253 | 287 | -177 | -310 | 473 | 265 | 1,874 | -3,181 | 184 | 598 | 322 | -1,092 |
Operating Cash Flow | 237 | -158 | 1,696 | 886 | -213 | 483 | 130 | 834 | 554 | 670 | 1,015 | 122 | 1,154 | 1,441 | 3,000 | -1,876 | 1,554 | 1,105 | 1,280 | 580 |
Operating Cash Flow Growth (YoY) | - | - | 1204.62% | 6.24% | - | -27.91% | -87.19% | 583.61% | -51.99% | -53.51% | -66.17% | - | -25.74% | 30.41% | 134.38% | - | - | 27.60% | 94.53% | - |
Investing Activities
Fiscal Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements | 131 | -267 | -14 | 5 | -50 | 13 | -89 | -167 | 13 | -81 | -40 | 36 | -17 | -42 | 208 | 216 | -369 | -27 | 112 | -93 |
Net Change in Loans Held-for-Investment | -1,162 | -1,533 | -1,276 | -1,146 | -267 | 2,073 | 13 | 881 | 2,635 | 3,549 | 1,424 | 3,983 | 1,011 | -31 | 951 | -4,568 | -2,609 | -5,637 | -881 | -545 |
Net Change in Securities and Investments | -674 | 122 | -169 | -124 | -727 | -366 | 338 | -520 | -1,622 | -3,315 | -793 | -1,053 | 777 | -41 | -185 | -4,356 | -559 | -1,100 | -242 | 222 |
Cash Acquisitions | - | - | - | - | - | - | - | - | - | - | - | - | - | -20 | -1 | -91 | -143 | -151 | -12 | -2 |
Capital Expenditures | - | -92 | -35 | -33 | -14 | -48 | -34 | -30 | -10 | -48 | -33 | -39 | -52 | 15 | -85 | -5 | -51 | -65 | -27 | -22 |
Other Investing Activities | -97 | -164 | -3 | -130 | -50 | -64 | -67 | 15 | 23 | 120 | -176 | 222 | -227 | -39 | -5 | -644 | -183 | -519 | -232 | -193 |
Investing Cash Flow | -1,802 | -1,934 | -1,497 | -1,428 | -1,108 | 1,608 | 161 | 179 | 1,039 | 225 | 382 | 3,149 | 1,492 | -158 | 883 | -9,448 | -3,914 | -7,499 | -1,284 | -631 |
Financing Activities
Fiscal Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Net Change in Deposits | 722 | 3,302 | 4,925 | -2,490 | 2,800 | -412 | -1,164 | -76 | -914 | -855 | 530 | 5,473 | -8,530 | 2,158 | -359 | -68 | 4,415 | 2,140 | 1,585 | -713 |
Short-Term Debt Issued | -4 | -156 | -35 | 202 | 47 | -15 | 13 | -7 | -496 | 273 | -867 | 81 | 1,015 | -269 | -3,500 | 3,726 | -52 | 86 | -57 | -7 |
Net Short-Term Debt Issued (Repaid) | -4 | -156 | -35 | 202 | 47 | -15 | 13 | -7 | -496 | 273 | -867 | 81 | 1,015 | -269 | -3,500 | 3,726 | -52 | 86 | -57 | -7 |
Long-Term Debt Issued | 3,647 | 2,000 | 501 | 3,500 | 2,533 | 0 | 2,332 | 5,088 | 5,765 | 4,750 | 9,016 | 6,507 | 5,710 | 13,101 | 6,299 | 5,217 | - | - | - | - |
Long-Term Debt Repaid | -2,618 | -1,224 | -2,594 | -3,251 | -2,675 | -1,545 | -1,485 | -5,819 | -5,437 | -8,652 | -5,762 | -11,252 | -2,752 | -13,501 | -4,434 | -752 | -1,004 | 4 | 1 | -1,353 |
Net Long-Term Debt Issued (Repaid) | 1,029 | 776 | -2,093 | 249 | -142 | -1,545 | 847 | -731 | 328 | -3,902 | 3,254 | -4,745 | 2,958 | -400 | 1,865 | 4,465 | -1,004 | 4 | 1 | -1,353 |
Repurchase of Common Stock | -300 | -125 | -75 | -200 | -200 | -225 | -325 | -200 | -300 | 0 | -250 | -256 | -400 | -151 | 0 | -2 | - | -200 | 0 | 0 |
Net Common Stock Issued (Repurchased) | -300 | -125 | -75 | -200 | -200 | -225 | -325 | -200 | -300 | 0 | -250 | -256 | -400 | -151 | 0 | -2 | - | -200 | 0 | 0 |
Issuance of Preferred Stock | - | 0 | 393 | - | - | 1 | 0 | - | - | - | - | - | - | - | - | - | - | 0 | 0 | - |
Repurchase of Preferred Stock | - | -400 | - | - | - | 0 | - | - | - | - | - | - | - | - | - | - | - | 0 | - | - |
Net Preferred Stock Issued (Repurchased) | - | -400 | 393 | - | - | 1 | 0 | - | - | - | - | - | - | - | - | - | - | 0 | 0 | - |
Common Dividends Paid | -198 | -200 | -184 | -185 | -186 | -188 | -190 | -194 | -197 | -199 | -199 | -205 | -205 | -210 | -209 | -195 | -165 | -168 | -167 | -168 |
Preferred Share Dividends Paid | -38 | -33 | -33 | -33 | -34 | -38 | -35 | -30 | -31 | -31 | -32 | -24 | -33 | -23 | -34 | -23 | -33 | -25 | -33 | -23 |
Other Financing Activities | -43 | 5 | 5 | 6 | -24 | 17 | 7 | 6 | -12 | 47 | 0 | -2 | -24 | - | 0 | -1 | -23 | 0 | 0 | 0 |
Financing Cash Flow | 1,168 | 3,169 | 2,903 | -2,451 | 2,261 | -2,405 | -1,147 | -841 | -1,622 | -4,667 | 2,436 | 322 | -5,219 | 1,104 | -2,237 | 7,902 | 3,138 | 1,836 | 1,079 | -1,968 |
Net Cash Flow
Fiscal Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Net Cash Flow | -397 | 1,077 | 3,102 | -2,993 | 940 | -314 | -856 | 172 | -29 | -3,772 | 3,833 | 3,593 | -2,573 | 2,387 | 1,646 | -3,422 | 778 | -4,558 | 1,075 | -2,019 |
Free Cash Flow
Fiscal Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Free Cash Flow | 237 | -250 | 1,661 | 853 | -227 | 435 | 96 | 804 | 544 | 622 | 982 | 83 | 1,102 | 1,456 | 2,915 | -1,881 | 1,503 | 1,040 | 1,253 | 558 |
Free Cash Flow Growth (YoY) | - | - | 1630.21% | 6.09% | - | -30.06% | -90.22% | 868.67% | -50.63% | -57.28% | -66.31% | - | -26.68% | 40.00% | 132.64% | - | - | 39.22% | 75.98% | - |
FCF Margin | 11.69% | -12.38% | 84.57% | 45.54% | -12.74% | 23.85% | 5.55% | 45.14% | 30.43% | 34.23% | 53.31% | 4.33% | 56.22% | 70.41% | 141.92% | -105.50% | 91.53% | 59.60% | 74.05% | 30.63% |
Free Cash Flow Per Share | 0.55 | -0.58 | 3.81 | 1.95 | -0.51 | 0.98 | 0.21 | 1.76 | 1.17 | 1.33 | 2.08 | 0.17 | 2.26 | 2.94 | 5.86 | -3.81 | 3.54 | 2.44 | 2.93 | 1.31 |