Friday 6 November 2026 Export CFG’s income statement to Excel — free account

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.

Revenue: +5.83%
EPS: +34.0%
Free cash flow: −75.9%
Total debt: +62.9%

Quarter to September 2026, against a year earlier

64.02 1.88 −2.85%

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Market cap: $26.8B
P/E: 12.8×
Fwd P/E: 12.0×
Dividend yield: 2.97%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Earnings & Analysis Segments Valuation Filings

Citizens Financial Group, Inc. (CFG) revenue by segment, product and region

Revenue by product or service $m

Line	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
Capital markets fees	485 29.66%	445 29.03%	293 23.14%	341 26.25%	419 31.62%	249 23.06%	202 17.24%
Service charges and fees	442 27.03%	417 27.20%	409 32.31%	418 32.18%	407 30.72%	401 37.13%	503 42.92%
Wealth fees	360 22.02%	294 19.18%	259 20.46%	250 19.25%	239 18.04%	203 18.80%	202 17.24%
Card fees	335 20.49%	362 23.61%	291 22.99%	271 20.86%	248 18.72%	216 20.00%	254 21.67%
Other banking fees	13 0.80%	15 0.98%	14 1.11%	19 1.46%	12 0.91%	11 1.02%	11 0.94%
Revenue	1,635	1,533	1,266	1,299	1,325	1,080	1,172

Revenue by segment $m

Line	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014	FY2013	FY2012
Consumer Banking	955 58.41%	869 56.69%	783 61.85%	769 59.20%	757 57.13%	690 63.89%	818 69.80%	4,037 65.88%	3,556 62.31%	3,326 63.29%	3,108 64.43%	3,050 61.26%	3,201 68.25%	3,384 69.15%
Commercial Banking	680 41.59%	639 41.68%	483 38.15%	526 40.49%	568 42.87%	390 36.11%	354 30.20%	2,042 33.32%	1,949 34.15%	1,754 33.38%	1,577 32.69%	1,502 30.17%	1,420 30.28%	1,385 28.30%
Other	0 0.00%	25 1.63%	0 0.00%	—	—	—	0 0.00%	—	—	—	—	427 8.58%	69 1.47%	125 2.55%
Non-Core	—	—	—	0 0.00%	0 0.00%	—	—	—	—	—	—	—	—	—
Other, not broken out	—	—	—	—	—	—	—	49 0.80%	202 3.54%	175 3.33%	139 2.88%	—	—	—
Revenue	1,635	1,533	1,266	1,299	1,325	1,080	1,172	6,128	5,707	5,255	4,824	4,979	4,690	4,894

Operating figures as reported in each quarter’s results release or filing

Figure	Quarter	Latest	A year before	Change
90+ days past due and accruing	Q3 FY2026	$165.0M	$162.0M	+1.85%
Allowance for credit losses to loans and leases	Q3 FY2026	1.47%	—	—
Allowance for credit losses to nonaccrual loans and leases	Q3 FY2026	149.0%	—	—
Average effective duration of the securities portfolio	Q3 FY2026	4.60	3.60	+27.78%
Common equity tier 1 capital ratio	Q3 FY2026	10.5%	—	—
Nonaccrual loans and leases	Q3 FY2026	$1.5B	$1.5B	−3.75%
Nonaccrual loans and leases to loans and leases	Q3 FY2026	0.99%	—	—
Private Bank deposits	Q3 FY2026	$18.5B	—	—
Tangible book value per common share	Q3 FY2026	$35.78	—	—
Tangible common equity ratio	Q3 FY2026	6.70%	—	—
Tier 1 leverage ratio	Q3 FY2026	9.20%	—	—
Total capital ratio	Q3 FY2026	13.7%	—	—

	Q3 FY2026	Q2 FY2026	Q1 FY2026	Q4 FY2025	Q3 FY2025	Q1 FY2025	Q4 FY2024	Q3 FY2024	Q2 FY2024	Q1 FY2024
90+ days past due and accruing	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Allowance for credit losses to loans and leases	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Allowance for credit losses to nonaccrual loans and leases	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Average effective duration of the securities portfolio	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Common equity tier 1 capital ratio	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Nonaccrual loans and leases	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Nonaccrual loans and leases to loans and leases	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Private Bank deposits	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Tangible book value per common share	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Tangible common equity ratio	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Tier 1 leverage ratio	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Total capital ratio	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡

As each company reports them in its 10-K and 10-Q filings, in US dollars. Where a later filing recast a year's segments, the year is shown as recast; a period whose breakdown does not add up to the company's revenue is left out.