Citizens Financial Group Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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 Interest Income	6,024	5,853	5,633	6,241	6,012	4,512
Net Interest Income Growth	7.92%	3.91%	-9.74%	3.81%	33.25%	-1.61%
Non-Interest Income	2,456	2,394	2,176	1,983	2,009	2,135
Non-Interest Income Growth	11.48%	10.02%	9.73%	-1.29%	-5.90%	-7.93%
Revenues Before Loan Losses	8,480	8,247	7,809	8,224	8,021	6,647
Provision for Credit Losses	595	608	687	687	474	-411
Revenue	7,885	7,639	7,122	7,537	7,547	7,058
Revenue Growth (YoY)	10.81%	7.26%	-5.51%	-0.13%	6.93%	33.45%
Compensation Expenses	2,860	2,798	2,657	2,599	2,549	2,132
Selling, General & Admin	1,077	1,068	1,086	1,179	1,110	928
Other Non-Interest Expenses	1,438	1,445	1,491	1,729	1,233	1,021
Total Non-Interest Expense	5,375	5,311	5,234	5,507	4,892	4,081
Pretax Income	2,510	2,328	1,888	2,030	2,655	2,977
Provision for Income Taxes	535	497	379	422	582	658
Net Income	1,832	1,688	1,372	1,491	1,960	2,206
Net Income to Common	1,832	1,688	1,372	1,491	1,960	2,206
Net Income Growth	30.11%	23.03%	-7.98%	-23.93%	-11.15%	132.21%
Shares Outstanding (Basic)	430	433	451	475	476	426
Shares Outstanding (Diluted)	434	437	454	477	478	427
Shares Change (YoY)	-3.21%	-3.67%	-4.86%	-0.23%	11.78%	-0.17%
EPS (Basic)	4.27	3.90	3.05	3.14	4.12	5.18
EPS (Diluted)	4.23	3.86	3.03	3.13	4.10	5.16
EPS Growth	34.29%	27.39%	-3.19%	-23.66%	-20.54%	132.43%
Shares Outstanding	426.02	429.24	440.54	466.42	492.28	422.14
Free Cash Flow	2,501	2,037	1,879	2,789	3,993	2,151
Free Cash Flow Growth	22.78%	8.41%	-32.63%	-30.15%	85.63%	-
Free Cash Flow Per Share	5.76	4.66	4.14	5.85	8.36	5.03
Dividends Per Share	1.760	1.720	1.680	1.680	1.620	1.560
Dividend Growth	2.33%	2.38%	-	3.70%	3.85%	-
Profit Margin	25.05%	23.97%	21.19%	21.33%	27.47%	32.86%
FCF Margin	31.72%	26.67%	26.38%	37.00%	52.91%	30.48%
EBITDA	468	478	498	478	565	625
EBITDA Margin	5.94%	6.26%	6.99%	6.34%	7.49%	8.86%
Effective Tax Rate	21.31%	21.35%	20.07%	20.79%	21.92%	22.10%

Updated May 4, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q