Citizens Financial Group, Inc.
Citizens Financial Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $12.1 billion, down 2.47% from fiscal 2024. In the quarter to June 2026, revenue grew 6.25%, EPS grew 40.9%, free cash flow fell 17.4% and total debt rose 21.3%, each against the same quarter a year earlier. Member of the S&P 500; dividend growth for three consecutive years.
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Citizens Financial Group, Inc. (CFG) Gross margin
Citizens Financial Group, Inc.'s gross margin over the twelve months to 30 June 2026 was 70.5%, up 2.1 percentage points from fiscal 2025 (68.4%). Over the past ten years it has ranged from 63.2% (fiscal 2024) to 95.2% (fiscal 2021); the current reading is higher than 27% of that period. That is in line with the Banks Regional industry median of 69.6% and in line with the Financial sector median of 69.9%.
Gross margin, annual
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Annual newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| FY2025 | 68.4% | 5.23 |
| FY2024 | 63.2% | (4.31) |
| FY2023 | 67.5% | (20.96) |
| FY2022 | 88.4% | (6.71) |
| FY2021 | 95.2% | 5.19 |
| FY2020 | 90.0% | 9.49 |
| FY2019 | 80.5% | (2.86) |
| FY2018 | 83.3% | (5.10) |
| FY2017 | 88.4% | (2.76) |
| FY2016 | 91.2% | (0.24) |
Quarterly newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| Jun 2026 | 71.5% | (0.19) |
| Mar 2026 | 71.7% | 1.30 |
| Dec 2025 | 70.4% | 1.76 |
| Sep 2025 | 68.6% | 0.85 |
| 42 more quarters | Free account |
Against its own ten years
Gross margin against peers
| Company | Gross margin |
|---|---|
| BAP Credicorp Ltd. compare | 81.6% |
| RF Regions Financial Corporation compare | 79.6% |
| MTB M&T Bank Corporation compare | 74.6% |
| CFG Citizens Financial Group, Inc. | 70.5% |
| HBAN Huntington Bancshares Incorporated compare | 67.4% |
| FCNCA First Citizens BancShares, Inc. compare | 66.5% |
| SHG Shinhan Financial Group Co Ltd compare | 56.3% |
| BBD Banco Bradesco SA compare | 36.0% |
| BBDO Banco Bradesco SA compare | 36.0% |
| Banks Regional industry median | 69.6% |
| Financial sector median | 69.9% |
| Market median | 46.2% |
What Gross margin is
Gross Margin tells an investor how much of each sale a company keeps after paying the direct costs of making or buying what it sells.
Gross Profit ÷ Revenue
More on CFG
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
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