Citizens Financial Group, Inc. (CFG)

Citizens Financial Group Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	5,853	5,633	6,241	6,012	4,512
Net Interest Income Growth	3.91%	-9.74%	3.81%	33.25%	-1.61%
Non-Interest Income	2,394	2,176	1,983	2,009	2,135
Non-Interest Income Growth	10.02%	9.73%	-1.29%	-5.90%	-7.93%
Revenues Before Loan Losses	8,247	7,809	8,224	8,021	6,647
Provision for Credit Losses	608	687	687	474	-411
Revenue	7,639	7,122	7,537	7,547	7,058
Revenue Growth (YoY)	7.26%	-5.51%	-0.13%	6.93%	33.45%
Compensation Expenses	2,798	2,657	2,599	2,549	2,132
Selling, General & Admin	1,068	1,086	1,179	1,110	928
Other Non-Interest Expenses	1,445	1,491	1,729	1,233	1,021
Total Non-Interest Expense	5,311	5,234	5,507	4,892	4,081
Pretax Income	2,328	1,888	2,030	2,655	2,977
Provision for Income Taxes	497	379	422	582	658
Net Income	1,688	1,372	1,491	1,960	2,206
Net Income to Common	1,688	1,372	1,491	1,960	2,206
Net Income Growth	23.03%	-7.98%	-23.93%	-11.15%	132.21%
Shares Outstanding (Basic)	433	451	475	476	426
Shares Outstanding (Diluted)	437	454	477	478	427
Shares Change (YoY)	-3.67%	-4.86%	-0.23%	11.78%	-0.17%
EPS (Basic)	3.90	3.05	3.14	4.12	5.18
EPS (Diluted)	3.86	3.03	3.13	4.10	5.16
EPS Growth	27.39%	-3.19%	-23.66%	-20.54%	132.43%
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 Per Share	4.66	4.14	5.85	8.36	5.03
Dividends Per Share	1.720	1.680	1.680	1.620	1.560
Dividend Growth	2.38%	-	3.70%	3.85%	-
Profit Margin	23.97%	21.19%	21.33%	27.47%	32.86%
FCF Margin	26.67%	26.38%	37.00%	52.91%	30.48%
EBITDA	478	498	478	565	625
EBITDA Margin	6.26%	6.99%	6.34%	7.49%	8.86%
Effective Tax Rate	21.35%	20.07%	20.79%	21.92%	22.10%

Updated Jan 21, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q