Citizens Financial Group, Inc. (CFG-PH) — Financial statements
Income statement, balance sheet, and cash flow for Citizens Financial Group, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 11,148↓9.7% | 12,347↑1.3% | 12,187↑34.4% | 9,069↑29.8% | 6,986 | |
| Cost of Revenue | 3,372↓35.6% | 5,240↑12.7% | 4,650↑205.5% | 1,522↑2213.9% | -72 | |
| Gross Profit | 7,776↑9.4% | 7,107↓5.7% | 7,537↓0.1% | 7,547↑6.9% | 7,058 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 2,927↑3.8% | 2,819↑2.0% | 2,764↑4.5% | 2,645↑20.3% | 2,198 | |
| Selling & Marketing Expenses | 169↓0.6% | 170↓9.1% | 187↑12.7% | 166↑49.5% | 111 | |
| SG&A Expenses | 3,096↑3.6% | 2,989↑1.3% | 2,951↑5.0% | 2,811↑21.7% | 2,309 | |
| Other Expenses | 2,352↑5.5% | 2,230↓12.8% | 2,556↑22.8% | 2,081↑17.4% | 1,772 | |
| Operating Expenses | 5,448↑4.4% | 5,219↓5.2% | 5,507↑12.6% | 4,892↑19.9% | 4,081 | |
| Total Costs & Expenses | 8,820↓15.7% | 10,459↑3.0% | 10,157↑58.4% | 6,414↑60.0% | 4,009 | |
| Operating Results | ||||||
| Operating Income | 2,328↑23.3% | 1,888↓7.0% | 2,030↓23.5% | 2,655↓10.8% | 2,977 | |
| Depreciation & Amortization | 366↓26.5% | 498↑4.2% | 478↓15.4% | 565↓9.6% | 625 | |
| EBITDA | 2,694↑12.9% | 2,386↓4.9% | 2,508↓22.1% | 3,220↓10.6% | 3,602 | |
| EBIT | 2,328↑23.3% | 1,888↓7.0% | 2,030↓23.5% | 2,655↓10.8% | 2,977 | |
| Interest & Other Income | ||||||
| Net Interest Income | 5,853↑3.9% | 5,633↓9.7% | 6,241↑3.8% | 6,012↑33.2% | 4,512 | |
| Interest Income | 9,663↓5.1% | 10,186↓0.2% | 10,204↑44.5% | 7,060↑45.5% | 4,851 | |
| Interest Expense | 3,810↓16.3% | 4,553↑14.9% | 3,963↑278.1% | 1,048↑209.1% | 339 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 2,328↑23.3% | 1,888↓7.0% | 2,030↓23.5% | 2,655↓10.8% | 2,977 | |
| Income Tax Expense | 497↑31.1% | 379↓10.2% | 422↓27.5% | 582↓11.6% | 658 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 1,831↑21.3% | 1,509↓6.2% | 1,608↓22.4% | 2,073↓10.6% | 2,319 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 1,831↑21.3% | 1,509↓6.2% | 1,608↓22.4% | 2,073↓10.6% | 2,319 | |
| Bottom-Line Net Income | 1,688↑23.0% | 1,372↓8.0% | 1,491↓23.9% | 1,960↓11.2% | 2,206 | |
| EPS (Basic) | 3.90↑28.3% | 3.04↓3.2% | 3.14↓23.8% | 4.12↓20.5% | 5.18 | |
| EPS (Diluted) | 3.86↑27.4% | 3.03↓3.2% | 3.13↓23.7% | 4.10↓20.5% | 5.16 | |
| Weighted Average Shares | 431↓4.3% | 451↓5.1% | 475↓0.2% | 476↑11.8% | 426 | |
| Weighted Average Diluted Shares | 435↓4.0% | 454↓4.9% | 477↓0.2% | 478↑11.8% | 427 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.