Revenue
2.32 billion USD
2026 Q3 · USD
Exact inputs and evidence
- Revenue: 2322000000 USD Source
Fundies. English
CITIZENS FINANCIAL GROUP INC/RI
EDGARAnnual consolidated revenue for 2025: about USD 8.247B, using the latest reported figures. The previous period, 2024, was about USD 7.809B.
Latest quarter
Net margin
27.39%
2026 Q3 · %
Operating cash flow
453 million USD
2026 Q3 · USD
- Cash and cash equivalents
- 4.07 billion USD Source
Exact value
4074000000 USD
- Long-term debt including current maturities
- 17 billion USD Source
Exact value
17013000000 USD
- Shares outstanding
- 421 million shares Source
Exact value
421219810 shares
Reported share-count change
-2.37% · -10.2 million shares
Year-over-year change in reported shares. Splits, issuance and buybacks can affect this figure; it does not isolate employee compensation or economic dilution.
Trailing twelve months
The four most recent complete quarters added together. This gives a full-year view that includes the latest quarterly results.
Net income
2.27 billion USD
2025-10-01 – 2026-09-30
Exact inputs and evidence
Operating cash flow
1.26 billion USD
2025-10-01 – 2026-09-30
Exact inputs and evidence
- Operating cash flow: 2211000000 USD · 2025-01-01 – 2025-12-31 Source
- Operating cash flow: 2369000000 USD · 2025-01-01 – 2025-09-30 Source
- Operating cash flow: 237000000 USD · 2026-01-01 – 2026-03-31 Source
- Operating cash flow: 963000000 USD · 2026-01-01 – 2026-06-30 Source
- Operating cash flow: 237000000 USD · 2026-01-01 – 2026-03-31 Source
- Operating cash flow: 1416000000 USD · 2026-01-01 – 2026-09-30 Source
- Operating cash flow: 963000000 USD · 2026-01-01 – 2026-06-30 Source
Includes later revisions to earlier periods. Annual charts exclude incomplete years.
Latest filing recorded: 2026-10-30.
Financial data available through: 2025-12-31.
Coverage by financial measure
- Revenue: 11 of 11 periods available· newest 2025-12-31
- operating income: No compatible figures in this window
- Net income: 11 of 11 periods available· newest 2025-12-31
- Operating cash flow: 11 of 11 periods available· newest 2025-12-31
- Capital expenditure: 3 of 11 periods available· newest 2019-12-31
- Total assets: 11 of 11 periods available· newest 2025-12-31
- Total liabilities: 11 of 11 periods available· newest 2025-12-31
- current assets: No compatible figures in this window
- current liabilities: No compatible figures in this window
- Cash and cash equivalents: 4 of 11 periods available· newest 2018-12-31
- Long-term debt including current maturities: 11 of 11 periods available· newest 2025-12-31
- Shares outstanding: 11 of 11 periods available· newest 2025-12-31
Coverage describes values retained in this snapshot. Missing values are not zero; loading limits are reported separately.
What changed year over year
Latest complete year compared with the corresponding period one year earlier. These are measured changes; they do not establish their business causes.
Revenue
+5.6%Prior period
USD 7.81 billion
–
Current period
USD 8.25 billion
–
Exact inputs and evidence
8247000000 − 7809000000 = 438000000 USD
7809000000 USD · 2024-01-01 – 2024-12-31
Inspect prior input Prior source8247000000 USD · 2025-01-01 – 2025-12-31
Inspect current input Current sourceShare or cite
The citation records this snapshot. The page link may show a newer release later.
Net income
+21.3%Prior period
USD 1.51 billion
–
Current period
USD 1.83 billion
–
Exact inputs and evidence
1831000000 − 1509000000 = 322000000 USD
1509000000 USD · 2024-01-01 – 2024-12-31
Inspect prior input Prior source1831000000 USD · 2025-01-01 – 2025-12-31
Inspect current input Current sourceShare or cite
The citation records this snapshot. The page link may show a newer release later.
Operating cash flow
+10.5%Prior period
USD 2 billion
–
Current period
USD 2.21 billion
–
Exact inputs and evidence
2211000000 − 2001000000 = 210000000 USD
2001000000 USD · 2024-01-01 – 2024-12-31
Inspect prior input Prior source2211000000 USD · 2025-01-01 – 2025-12-31
Inspect current input Current sourceShare or cite
The citation records this snapshot. The page link may show a newer release later.
Comparable inputs unavailable for: Capital expenditure.
Where revenue goes
How a period’s revenue divides into costs and what remains as profit. Items marked Derived are calculated by subtraction from reported figures.
2025 2025-01-01 – 2025-12-31
- Revenue USD 8.25 billion 100% of revenue
- Operating costs Derived Unavailable An input is unavailable.
- Operating income Unavailable An input is unavailable.
- Tax, interest and other Derived Unavailable An input is unavailable.
- Net income USD 1.83 billion 22% of revenue
Cash
- Operating cash flow USD 2.21 billion 27% of revenue
- Capital expenditure Unavailable An input is unavailable.
- Free cash flow Derived Unavailable An input is unavailable.
Share of revenue by period
- Net income
- Tax, interest and other
- Operating costs
- 2016 Not shown: operating income or net income is not reported.
- 2017 Not shown: operating income or net income is not reported.
- 2018 Not shown: operating income or net income is not reported.
- 2019 Not shown: operating income or net income is not reported.
- 2020 Not shown: operating income or net income is not reported.
- 2021 Not shown: operating income or net income is not reported.
- 2022 Not shown: operating income or net income is not reported.
- 2023 Not shown: operating income or net income is not reported.
- 2024 Not shown: operating income or net income is not reported.
- 2025 Not shown: operating income or net income is not reported.
Values and sources
| Period | Revenue | Operating costs | Operating income | Tax, interest and other | Net income | Free cash flow | Source |
|---|---|---|---|---|---|---|---|
| 2016 2016-01-01 – 2016-12-31 | 5255000000 | Unavailable | Unavailable | Unavailable | 1045000000 | Unavailable | Source
|
| 2017 2017-01-01 – 2017-12-31 | 5707000000 | Unavailable | Unavailable | Unavailable | 1652000000 | 1630000000 Derived | Source
|
| 2018 2018-01-01 – 2018-12-31 | 6128000000 | Unavailable | Unavailable | Unavailable | 1721000000 | 1535000000 Derived | Source
|
| 2019 2019-01-01 – 2019-12-31 | 6491000000 | Unavailable | Unavailable | Unavailable | 1791000000 | 1571000000 Derived | Source
|
| 2020 2020-01-01 – 2020-12-31 | 6905000000 | Unavailable | Unavailable | Unavailable | 1057000000 | Unavailable | Source
|
| 2021 2021-01-01 – 2021-12-31 | 6647000000 | Unavailable | Unavailable | Unavailable | 2319000000 | Unavailable | Source
|
| 2022 2022-01-01 – 2022-12-31 | 8021000000 | Unavailable | Unavailable | Unavailable | 2073000000 | Unavailable | Source
|
| 2023 2023-01-01 – 2023-12-31 | 8224000000 | Unavailable | Unavailable | Unavailable | 1608000000 | Unavailable | Source
|
| 2024 2024-01-01 – 2024-12-31 | 7809000000 | Unavailable | Unavailable | Unavailable | 1509000000 | Unavailable | Source
|
| 2025 2025-01-01 – 2025-12-31 | 8247000000 | Unavailable | Unavailable | Unavailable | 1831000000 | Unavailable | Source
|
Amounts are exact, in USD.
Growth
Sales over time and how quickly they are changing.
Revenue
Revenue reported for each complete financial period.
USD 8.2B 2025
Values and sources
| Period | Series | Value(USD) | Source evidence |
|---|---|---|---|
| 2016 | Revenue | 5255000000 |
|
| 2017 | Revenue | 5707000000 |
|
| 2018 | Revenue | 6128000000 |
|
| 2019 | Revenue | 6491000000 |
|
| 2020 | Revenue | 6905000000 |
|
| 2021 | Revenue | 6647000000 |
|
| 2022 | Revenue | 8021000000 |
|
| 2023 | Revenue | 8224000000 |
|
| 2024 | Revenue | 7809000000 |
|
| 2025 | Revenue | 8247000000 |
|
Revenue growth
Change in revenue from the same financial period one year earlier.
5.6% 2025
Values and sources
| Period | Series | Value | Source evidence |
|---|---|---|---|
| 2016 | Year over year | 8.9% |
|
| 2017 | Year over year | 8.6% |
|
| 2018 | Year over year | 7.4% |
|
| 2019 | Year over year | 5.9% |
|
| 2020 | Year over year | 6.4% |
|
| 2021 | Year over year | -3.7% |
|
| 2022 | Year over year | 20.7% |
|
| 2023 | Year over year | 2.5% |
|
| 2024 | Year over year | -5% |
|
| 2025 | Year over year | 5.6% |
|
Profit and cash
How much revenue becomes profit, and how much cash operations generate.
Profit margins
Operating income, net income and free cash flow as a share of revenue.
Net margin 22.2% 2025
Free cash flow margin 24.2% 2019
- Operating margin
- Net margin
- Free cash flow margin
Values and sources
| Period | Series | Value | Source evidence |
|---|---|---|---|
| 2016-12-31 | Operating margin | Not reported |
|
| 2017-12-31 | Operating margin | Not reported |
|
| 2018-12-31 | Operating margin | Not reported |
|
| 2019-12-31 | Operating margin | Not reported |
|
| 2020-12-31 | Operating margin | Not reported |
|
| 2021-12-31 | Operating margin | Not reported |
|
| 2022-12-31 | Operating margin | Not reported |
|
| 2023-12-31 | Operating margin | Not reported |
|
| 2024-12-31 | Operating margin | Not reported |
|
| 2025-12-31 | Operating margin | Not reported |
|
| 2016 | Net margin | 19.9% |
|
| 2017 | Net margin | 28.9% |
|
| 2018 | Net margin | 28.1% |
|
| 2019 | Net margin | 27.6% |
|
| 2020 | Net margin | 15.3% |
|
| 2021 | Net margin | 34.9% |
|
| 2022 | Net margin | 25.8% |
|
| 2023 | Net margin | 19.6% |
|
| 2024 | Net margin | 19.3% |
|
| 2025 | Net margin | 22.2% |
|
| 2016 | Free cash flow margin | Not reported |
|
| 2017 | Free cash flow margin | 28.6% |
|
| 2018 | Free cash flow margin | 25% |
|
| 2019 | Free cash flow margin | 24.2% |
|
| 2020 | Free cash flow margin | Not reported |
|
| 2021 | Free cash flow margin | Not reported |
|
| 2022 | Free cash flow margin | Not reported |
|
| 2023 | Free cash flow margin | Not reported |
|
| 2024 | Free cash flow margin | Not reported |
|
| 2025 | Free cash flow margin | Not reported |
|
Operating cash flow
Cash generated by the company’s normal business operations.
USD 2.2B 2025
Values and sources
| Period | Series | Value(USD) | Source evidence |
|---|---|---|---|
| 2016 | Operating cash flow | 1490000000 |
|
| 2017 | Operating cash flow | 1883000000 |
|
| 2018 | Operating cash flow | 1767000000 |
|
| 2019 | Operating cash flow | 1697000000 |
|
| 2020 | Operating cash flow | 111000000 |
|
| 2021 | Operating cash flow | 2275000000 |
|
| 2022 | Operating cash flow | 4119000000 |
|
| 2023 | Operating cash flow | 2961000000 |
|
| 2024 | Operating cash flow | 2001000000 |
|
| 2025 | Operating cash flow | 2211000000 |
|
Free cash flow
Operating cash flow minus capital expenditure for the same period and unit.
USD 1.6B 2019
Values and sources
| Period | Series | Value(USD) | Source evidence |
|---|---|---|---|
| 2016 | Free cash flow | Unavailable |
|
| 2017 | Free cash flow | 1630000000 |
|
| 2018 | Free cash flow | 1535000000 |
|
| 2019 | Free cash flow | 1571000000 |
|
| 2020 | Free cash flow | Unavailable |
|
| 2021 | Free cash flow | Unavailable |
|
| 2022 | Free cash flow | Unavailable |
|
| 2023 | Free cash flow | Unavailable |
|
| 2024 | Free cash flow | Unavailable |
|
| 2025 | Free cash flow | Unavailable |
|
Balance sheet
Liabilities and short-term ability to meet obligations at each period end.
Liabilities to assets
Total liabilities as a share of total assets.
88.4% 2025
Values and sources
| Period | Series | Value | Source evidence |
|---|---|---|---|
| 2016 | Liabilities / assets | 86.8% |
|
| 2017 | Liabilities / assets | 86.7% |
|
| 2018 | Liabilities / assets | 87% |
|
| 2019 | Liabilities / assets | 86.6% |
|
| 2020 | Liabilities / assets | 87.6% |
|
| 2021 | Liabilities / assets | 87.6% |
|
| 2022 | Liabilities / assets | 89.6% |
|
| 2023 | Liabilities / assets | 89% |
|
| 2024 | Liabilities / assets | 88.8% |
|
| 2025 | Liabilities / assets | 88.4% |
|
Current assets to current liabilities
Current assets divided by current liabilities.
Not enough comparable data to show this history.
Values and sources
| Period | Series | Value | Source evidence |
|---|---|---|---|
| 2016-12-31 | Current assets / current liabilities | Not reported | No source recorded |
| 2017-12-31 | Current assets / current liabilities | Not reported | No source recorded |
| 2018-12-31 | Current assets / current liabilities | Not reported | No source recorded |
| 2019-12-31 | Current assets / current liabilities | Not reported | No source recorded |
| 2020-12-31 | Current assets / current liabilities | Not reported | No source recorded |
| 2021-12-31 | Current assets / current liabilities | Not reported | No source recorded |
| 2022-12-31 | Current assets / current liabilities | Not reported | No source recorded |
| 2023-12-31 | Current assets / current liabilities | Not reported | No source recorded |
| 2024-12-31 | Current assets / current liabilities | Not reported | No source recorded |
| 2025-12-31 | Current assets / current liabilities | Not reported | No source recorded |
Cash generation
Compare reported profit with operating cash and capital spending. Free cash flow is calculated as operating cash flow minus capital expenditure when both exact, consolidated amounts match the same period and unit.
| Period | Net income | Operating cash flow | Capital expenditure | Free cash flow |
|---|---|---|---|---|
| 2016 2016-01-01 – 2016-12-31 | USD 1.05 billion Exact valueExact value: 1045000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | USD 1.49 billion Exact valueExact value: 1490000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | Unavailable Not reported for this period. | Unavailable Free cash flow cannot be calculated because Capital expenditure is unavailable for this period. |
| 2017 2017-01-01 – 2017-12-31 | USD 1.65 billion Exact valueExact value: 1652000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | USD 1.88 billion Exact valueExact value: 1883000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | USD 253 million Exact valueExact value: 253000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | USD 1.63 billion Calculation and evidence1883000000 − 253000000 USD Exact free cash flow: 1630000000 USD
Share or citeThe citation records this snapshot. The page link may show a newer release later. |
| 2018 2018-01-01 – 2018-12-31 | USD 1.72 billion Exact valueExact value: 1721000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | USD 1.77 billion Exact valueExact value: 1767000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | USD 232 million Exact valueExact value: 232000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | USD 1.54 billion Calculation and evidence1767000000 − 232000000 USD Exact free cash flow: 1535000000 USD
Share or citeThe citation records this snapshot. The page link may show a newer release later. |
| 2019 2019-01-01 – 2019-12-31 | USD 1.79 billion Exact valueExact value: 1791000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | USD 1.7 billion Exact valueExact value: 1697000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | USD 126 million Exact valueExact value: 126000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | USD 1.57 billion Calculation and evidence1697000000 − 126000000 USD Exact free cash flow: 1571000000 USD
Share or citeThe citation records this snapshot. The page link may show a newer release later. |
| 2020 2020-01-01 – 2020-12-31 | USD 1.06 billion Exact valueExact value: 1057000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | USD 111 million Exact valueExact value: 111000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | Unavailable Not reported for this period. | Unavailable Free cash flow cannot be calculated because Capital expenditure is unavailable for this period. |
| 2021 2021-01-01 – 2021-12-31 | USD 2.32 billion Exact valueExact value: 2319000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | USD 2.28 billion Exact valueExact value: 2275000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | Unavailable Not reported for this period. | Unavailable Free cash flow cannot be calculated because Capital expenditure is unavailable for this period. |
| 2022 2022-01-01 – 2022-12-31 | USD 2.07 billion Exact valueExact value: 2073000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | USD 4.12 billion Exact valueExact value: 4119000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | Unavailable Not reported for this period. | Unavailable Free cash flow cannot be calculated because Capital expenditure is unavailable for this period. |
| 2023 2023-01-01 – 2023-12-31 | USD 1.61 billion Exact valueExact value: 1608000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | USD 2.96 billion Exact valueExact value: 2961000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | Unavailable Not reported for this period. | Unavailable Free cash flow cannot be calculated because Capital expenditure is unavailable for this period. |
| 2024 2024-01-01 – 2024-12-31 | USD 1.51 billion Exact valueExact value: 1509000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | USD 2 billion Exact valueExact value: 2001000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | Unavailable Not reported for this period. | Unavailable Free cash flow cannot be calculated because Capital expenditure is unavailable for this period. |
| 2025 2025-01-01 – 2025-12-31 | USD 1.83 billion Exact valueExact value: 1831000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | USD 2.21 billion Exact valueExact value: 2211000000 USD Share or citeThe citation records this snapshot. The page link may show a newer release later. | Unavailable Not reported for this period. | Unavailable Free cash flow cannot be calculated because Capital expenditure is unavailable for this period. |
Capital expenditure uses the canonical mapped positive-spending convention. A missing, ambiguous, incompatible, or negative-sign input is left blank. Values use the latest reported version.
Dataset coverage and company identifiers
Coverage reflects filings processed into this Fundies dataset; it does not imply every source filing is loaded.
243 filings · 8,484 latest values · 8,461 originally reported values
Dataset published . Source filing dates and reporting periods are shown separately.
Identifiers: 0000759944, 759944, CFG, CFG-PE, CFG-PH, CFG-PI, edgar:759944
Also known as CITIZENS FINANCIAL GROUP INC/DE, CITIZENS FINANCIAL GROUP INC/RI