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Citizens Financial Group, Inc. (CFG)
NYSE: CFG · Real-Time Price · USD
63.24
-0.59 (-0.92%)
At close: Nov 6, 2026, 4:00 PM EST
63.12
-0.12 (-0.19%)
After-hours: Nov 6, 2026, 7:32 PM EST

Citizens Financial Group Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Sep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Net Income
636587517528494436373401382392334189430478511653636364420530
Depreciation & Amortization
10399113-159119124123-144129143102-128122112118-12612126067-63
Other Amortization
---271---268---254---243---235
Gain (Loss) on Sale of Assets
-11-6-7-8-2-5-9-4-9--5-9-5-9-5-4--1-4-1
Provision for Credit Losses
1251341401371541641531621721821711711721761681321232163-25
Net Decrease (Increase) in Loans Originated / Sold - Operating
58337-285-33321635-332-86-23-8617173476-370-81329184322898462
Change in Other Net Operating Assets
-977-116-326-628670188-536-8-524214-253287-177-3104732651,874-3,181184598
Other Operating Activities
-34-58521122-99-16-127-18-32--181-2123-63-6746125-47-643
Operating Cash Flow
453726237-1581,696886-2134831308345546701,0151221,1541,4413,000-1,8761,5541,105
Operating Cash Flow Growth (YoY)
-73.29%-18.06%--1204.62%6.24%--27.91%-87.19%583.61%-51.99%-53.51%-66.17%--25.74%30.41%134.38%--27.60%

Investing Activities

Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Sep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Capital Expenditures
-52-21--92-35-33-14-48-34-30-10-48-33-39-5215-85-5-51-65
Cash Acquisitions
----------------20-1-91-143-151
Investment in Securities
-278-1,309-543-145-183-119-777-353249-687-1,609-3,396-833-1,017760-8323-4,140-928-1,127
Net Decrease (Increase) in Loans Originated / Sold - Investing
-891-3,914-1,162-1,533-1,276-1,146-2672,073138812,6353,5491,4243,9831,011-31951-4,568-2,609-5,637
Other Investing Activities
-157-217-97-164-3-130-50-64-671523120-176222-227-39-5-644-183-519
Investing Cash Flow
-1,378-5,461-1,802-1,934-1,497-1,428-1,1081,6081611791,0392253823,1491,492-158883-9,448-3,914-7,499

Financing Activities

Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Sep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Short-Term Debt Issued
------47-------1,015-----
Long-Term Debt Issued
--3,647---2,533---5,765---5,710-----
Total Debt Issued
6,7598,1013,6471,8444663,7022,580-2,3325,0885,7655,0238,1496,5886,72512,9272,7998,891--
Short-Term Debt Repaid
---4--------496--------52-
Long-Term Debt Repaid
---2,618----2,675----5,437----2,752----1,004-
Total Debt Repaid
-5,272-4,071-2,622-1,224-2,594-3,251-2,675-1,560-1,472-5,826-5,933-8,652-5,762-11,252-2,752-13,596-4,434-700-1,05690
Net Debt Issued (Repaid)
1,4874,0301,025620-2,128451-95-1,560860-738-168-3,6292,387-4,6643,973-669-1,6358,191-1,05690
Repurchase of Common Stock
-125-225-300-125-75-200-200-225-325-200-300--250-256-400-127--3-23-201
Preferred Stock Issued
395---393--1-391----------
Preferred Share Repurchases
----400-----300-----------
Common Dividends Paid
-197-198-198-200-184-185-186-188-190-194-197-199-199-205-205-210-209-195-165-168
Preferred Dividends Paid
-34-33-38-33-33-33-34-38-35-30-31-31-32-24-33-23-34-23-33-25
Total Dividends Paid
-231-231-236-233-217-218-220-226-225-224-228-230-231-229-238-233-243-218-198-193
Net Increase (Decrease) in Deposit Accounts
-3921,5857223,3024,925-2,4902,800-412-1,164-76-914-8555305,473-8,5302,158-359-684,4152,140
Other Financing Activities
-36-43556-241776-1247--2-24-25----
Financing Cash Flow
1,1315,1651,1683,1692,903-2,4512,261-2,405-1,147-841-1,622-4,6672,436322-5,2191,104-2,2377,9023,1381,836

Net Cash Flow

Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Sep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Net Cash Flow
206430-3971,0773,102-2,993940-314-856172-29-3,7723,8333,593-2,5732,3871,646-3,422778-4,558

Free Cash Flow

Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Sep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Free Cash Flow
401705237-2501,661853-22743596804544622982831,1021,4562,915-1,8811,5031,040
Free Cash Flow Growth (YoY)
-75.86%-17.35%--1630.21%6.09%--30.06%-90.22%868.67%-50.63%-57.28%-66.31%--26.68%40.00%132.64%--39.04%
Free Cash Flow Margin
18.25%32.81%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%71.48%141.92%-105.08%90.22%59.60%
Free Cash Flow Per Share
0.941.650.55-0.583.811.95-0.510.980.211.761.171.332.080.172.262.945.86-3.813.542.44

Additional Metrics

Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Sep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Cash Interest Paid
---4,040---4,375---3,640---989---347
Cash Income Tax Paid
---151---208---375---183---1,247
SEC Filings: 10-K · 10-Q