financial statements

The full income statement, balance sheet, and cash-flow statement for Citizens Financial Group Inc. (CFG), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.

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PeriodRangeOrderChangeYoYQoQAs-reported fiscal years.

Line item	FY2025	FY2024	FY2023	FY2022	FY2021
Income Statement	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23	as ofDec 31 ’22	as ofDec 31 ’21
	1.64B YoY+6.7%	1.53B YoY+21.1%	1.27B YoY-2.5%	1.30B YoY-2.0%	1.32B YoY+22.7%
Noninterest income	2.39B YoY+10.0%	2.18B YoY+9.7%	1.98B YoY-1.3%	2.01B YoY-5.9%	2.13B YoY-7.9%
Amortization of intangibles	33.0M YoY-5.7%	35.0M YoY-16.7%	42.0M YoY+2.4%	41.0M YoY+272.7%	11.0M YoY+0.0%
Noninterest expense	5.31B YoY+1.5%	5.23B YoY-5.0%	5.51B YoY+12.6%	4.89B YoY+19.9%	4.08B YoY+2.3%
Interest expense	—	—	3.96B YoY+278.1%	1.05B YoY+209.1%	339M YoY-56.0%
Interest & investment income	9.66B YoY-5.1%	10.2B YoY-0.2%	10.2B YoY+44.5%	7.06B YoY+45.5%	4.85B YoY-9.4%
Net interest income	5.85B YoY+3.9%	5.63B YoY-9.7%	6.24B YoY+3.8%	6.01B YoY+33.2%	4.51B YoY-1.6%
Pre-tax income	2.33B YoY+23.3%	1.89B YoY-7.0%	2.03B YoY-23.5%	2.65B YoY-10.8%	2.98B YoY+129.4%
Income tax	497M YoY+31.1%	379M YoY-10.2%	422M YoY-27.5%	582M YoY-11.6%	658M YoY+173.0%
	1.83B YoY+21.3%	1.51B YoY-6.2%	1.61B YoY-22.4%	2.07B YoY-10.6%	2.32B YoY+119.4%
Preferred dividends	138M YoY+0.7%	137M YoY+17.1%	117M YoY+3.5%	113M	—
Net income to common	1.69B YoY+23.0%	1.37B YoY-8.0%	1.49B YoY-23.9%	1.96B YoY-11.2%	2.21B YoY+132.2%
	$3.86 YoY+27.4%	$3.03 YoY-3.2%	$3.13 YoY-23.7%	$4.10 YoY-20.5%	$5.16 YoY+132.4%
EPS (basic)	$3.90 YoY+27.9%	$3.05 YoY-2.9%	$3.14 YoY-23.8%	$4.12 YoY-20.5%	$5.18 YoY+133.3%
Weighted-avg shares (basic)	433M YoY-3.9%	451M YoY-5.1%	475M YoY-0.2%	476M YoY+11.8%	426M YoY-0.3%
Weighted-avg shares (diluted)	437M YoY-3.7%	454M YoY-4.9%	477M YoY-0.2%	478M YoY+11.8%	427M YoY-0.2%
Dividends per share	$1.72 YoY+2.4%	$1.68 YoY+0.0%	$1.68 YoY+3.7%	$1.62 YoY+3.8%	$1.56 YoY+0.0%
Balance Sheet	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23	as ofDec 31 ’22	as ofDec 31 ’21
Cash & equivalents	12.7B YoY+20.1%	10.6B YoY-8.8%	11.6B YoY+10.2%	10.5B YoY+15.2%	9.16B YoY-28.1%
	226B YoY+4.1%	218B YoY-2.0%	222B YoY-2.1%	227B YoY+20.3%	188B YoY+2.8%
Property, plant & equipment	915M YoY+4.6%	875M YoY-2.2%	895M YoY+6.0%	844M YoY+9.9%	768M YoY+1.2%
Operating lease right-of-use	958M YoY+10.2%	869M YoY-1.8%	885M YoY-13.2%	1.02B YoY+33.0%	766M YoY-4.3%
Goodwill	8.19B YoY+0.0%	8.19B YoY-0.0%	8.19B YoY+0.2%	8.17B YoY+14.9%	7.12B YoY+0.9%
Intangible assets	115M YoY-21.2%	146M YoY-7.0%	157M YoY-20.3%	197M YoY+207.8%	64.0M YoY+10.3%
Short-term & current debt	58.0M	0.00 YoY-100.0%	505M YoY+16733.3%	3.00M YoY-95.9%	74.0M YoY-69.5%
	200B YoY+3.5%	193B YoY-2.2%	198B YoY-2.7%	203B YoY+23.1%	165B YoY+2.7%
Long-term debt	11.2B YoY-9.5%	12.4B YoY-7.9%	13.5B YoY-15.2%	15.9B YoY+129.2%	6.93B YoY-16.9%
Deferred tax liabilities	0.00	0.00	0.00	0.00	0.00 YoY-100.0%
	26.3B YoY+8.5%	24.3B YoY-0.4%	24.3B YoY+2.8%	23.7B YoY+1.2%	23.4B YoY+3.3%
Preferred stock	2.11B YoY-0.1%	2.11B YoY+4.9%	2.01B YoY+0.0%	2.01B YoY+0.0%	2.01B YoY+2.5%
Common stock	7.00M YoY+0.0%	7.00M YoY+16.7%	6.00M YoY+0.0%	6.00M YoY+0.0%	6.00M YoY+0.0%
Additional paid-in capital	22.5B YoY+0.5%	22.4B YoY+0.5%	22.3B YoY+0.5%	22.1B YoY+16.5%	19.0B YoY+0.3%
Retained earnings	11.3B YoY+9.0%	10.4B YoY+6.1%	9.82B YoY+7.2%	9.16B YoY+14.8%	7.98B YoY+23.8%
Treasury stock	7.65B YoY+8.6%	7.05B YoY+17.7%	5.99B YoY+18.0%	5.07B YoY+3.1%	4.92B YoY+6.4%
Accumulated other comprehensive income	-1.97B YoY+45.2%	-3.60B YoY+4.3%	-3.76B YoY+17.6%	-4.56B YoY-585.7%	-665M YoY-1008.3%
Total equity incl. non-controlling	20.0B YoY+0.0%	20.0B YoY+0.0%	20.0B YoY+0.0%	20.0B YoY+0.0%	20.0B YoY+0.0%
Total liabilities & equity	226B YoY+4.1%	218B YoY-2.0%	222B YoY-2.1%	227B YoY+20.3%	188B YoY+2.8%
Common shares issued	652M YoY+0.3%	650M YoY+0.3%	648M YoY+0.4%	645M YoY+12.9%	571M YoY+0.2%
Common shares outstanding	429M YoY-2.6%	441M YoY-5.5%	466M YoY-5.3%	492M YoY+16.6%	422M YoY-1.2%
Shares outstanding (cover)	429M YoY-2.5%	441M YoY-5.5%	466M YoY-5.3%	492M YoY+15.6%	426M YoY-0.2%
Cash Flow	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23	as ofDec 31 ’22	as ofDec 31 ’21
	2.21B YoY+10.5%	2.00B YoY-32.4%	2.96B YoY-28.1%	4.12B YoY+81.1%	2.27B YoY+1949.5%
Depreciation & amortization	478M YoY-4.0%	498M YoY+4.2%	478M YoY-15.4%	565M YoY-9.6%	625M YoY+8.1%
Deferred income taxes	-82.0M YoY+53.7%	-177M YoY+26.9%	-242M YoY-524.6%	57.0M YoY+113.3%	-429M YoY-80.3%
	-5.97B YoY-299.8%	2.99B YoY-43.1%	5.25B YoY+141.5%	-12.6B YoY-20.5%	-10.5B YoY-70.9%
Acquisitions	—	0.00	0.00 YoY-100.0%	255M YoY+54.5%	165M YoY+5400.0%
Sales/maturities of investments	4.02B YoY+21.6%	3.30B YoY+65.1%	2.00B YoY-41.5%	3.42B YoY-56.2%	7.81B YoY+12.5%
Other investing activities	347M YoY+273.1%	93.0M YoY+52.5%	61.0M YoY-92.1%	771M YoY+144.0%	316M YoY+386.2%
	5.88B YoY+197.8%	-6.01B YoY+15.6%	-7.13B YoY-171.9%	9.91B YoY+113.7%	4.64B YoY-69.8%
Long-term debt issued	8.53B YoY-35.3%	13.2B YoY-49.3%	26.0B YoY+5.5%	24.6B	0.00 YoY-100.0%
Long-term debt repaid	9.74B YoY-31.8%	14.3B YoY-49.7%	28.4B YoY+44.3%	19.7B YoY+1356.4%	1.35B YoY-90.4%
Net short-term debt	58.0M YoY+111.5%	-505M YoY-200.6%	502M YoY+628.4%	-95.0M YoY+38.3%	-154M YoY-294.9%
Common stock repurchased	600M YoY-42.9%	1.05B YoY+15.9%	906M YoY+492.2%	153M YoY-48.1%	295M YoY+9.3%
Dividends paid	755M YoY-1.8%	769M YoY-4.8%	808M YoY+3.7%	779M YoY+16.3%	670M YoY-0.3%
Other financing activities	-8.00M YoY-144.4%	18.0M YoY-14.3%	21.0M YoY+184.0%	-25.0M YoY-13.6%	-22.0M
Net change in cash	2.13B YoY+307.0%	-1.03B YoY-195.0%	1.08B YoY-22.2%	1.39B YoY+138.9%	-3.58B YoY-138.2%
Interest paid	4.04B YoY-7.7%	4.38B YoY+20.2%	3.64B YoY+268.0%	989M YoY+185.0%	347M YoY-58.5%
Income taxes paid	151M YoY-27.4%	208M YoY-44.5%	375M YoY+104.9%	183M YoY-85.3%	1.25B YoY+377.8%
Valuation Ratios	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23	as ofDec 31 ’22	as ofDec 31 ’21
Market cap	25.1B YoY+30.1%	19.3B YoY+24.8%	15.5B YoY-20.3%	19.4B YoY-3.7%	20.1B YoY+31.9%
P/E	13.7× YoY+7.2%	12.8× YoY+69.2%	7.6× YoY-24.5%	10.0× YoY+15.2%	8.7× YoY-39.9%
P/S	15.3× YoY+22.0%	12.6× YoY+2.9%	12.2× YoY-13.3%	14.1× YoY-7.2%	15.2× YoY+7.5%
P/B	1.0× YoY+19.9%	0.8× YoY+16.2%	0.7× YoY-18.9%	0.8× YoY-2.0%	0.9× YoY+27.7%
P/FCF	11.3× YoY+17.7%	9.6× YoY+129.8%	4.2× YoY-18.7%	5.2× YoY-41.7%	8.9× YoY-93.6%
Earnings yield	7.3% YoY-6.7%	7.8% YoY-40.9%	13.2% YoY+32.5%	10.0% YoY-13.2%	11.5% YoY+66.4%
FCF yield	8.8% YoY-15.1%	10.4% YoY-56.5%	23.8% YoY+23.0%	19.4% YoY+71.6%	11.3% YoY+1454.3%
Dividend yield	2.9% YoY-23.3%	3.8% YoY-24.3%	5.1% YoY+23.2%	4.1% YoY+24.6%	3.3% YoY-24.3%
Source filing	10-K	10-K	10-K	10-K	10-K

About this data

Source: CFG's SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn't file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all CFG filings on SEC EDGAR → Not investment advice.

CFG▼ financial statements

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