The Filings Report

Citizens Financial Group, Inc.

CFGNYSECIK 759944Financial / Banksfiscal year ends December53 quarters since 2013

Revenue, Q3 FY2026
$2.3B
+9.6% on Q3 FY2025
Net income
$636M
+28.7% on Q3 FY2025
Free cash flow
—
no year-earlier figure
Diluted EPS
$1.41
+34.3% on Q3 FY2025
Revenue, TTM
$8.9B
trailing four quarters
Net margin, TTM
25.4%
net income $2.3B
Free cash flow, TTM
—
Cash and equivalents
—
long-term debt $17.0B, Sep 30, 2026
Shares, 12-month change
−2.4%
419M shares, Sep 30, 2026
Buybacks, TTM
$775M
2.9% of market value
Dividends, TTM
$793M
3.0% of market value
Market value
$26.7B
at the close, buybacks

Latest quarter Q3 FY2026, filed October 28, 2026. Trailing figures sum the latest four quarters. Market values at the latest close, from a market data vendor.

In Q3 FY2026, the quarter ended September 30, 2026, Citizens Financial Group, Inc. reported revenue of $2.3B, +9.6% on Q3 FY2025, and net income of $636M (+28.7%). Diluted earnings per share were $1.41.

The last 16 quarters

Q4 FY2022 to Q3 FY2026, through the filing of October 28, 2026.

Revenue and net incomeRevenueNet income
$0$1B$2B$3BQ4'22, Revenue: $2.2BQ4'22, Net income: $653MQ4'22Q1'23, Revenue: $2.1BQ1'23, Net income: $511MQ1'23Q2'23, Revenue: $2.1BQ2'23, Net income: $478MQ2'23Q3'23, Revenue: $2.0BQ3'23, Net income: $430MQ3'23Q4'23, Revenue: $2.0BQ4'23, Net income: $189MQ4'23Q1'24, Revenue: $2.0BQ1'24, Net income: $334MQ1'24Q2'24, Revenue: $2.0BQ2'24, Net income: $392MQ2'24Q3'24, Revenue: $1.9BQ3'24, Net income: $382MQ3'24Q4'24, Revenue: $2.0BQ4'24, Net income: $401MQ4'24Q1'25, Revenue: $1.9BQ1'25, Net income: $373MQ1'25Q2'25, Revenue: $2.0BQ2'25, Net income: $436MQ2'25Q3'25, Revenue: $2.1BQ3'25, Net income: $494MQ3'25Q4'25, Revenue: $2.2BQ4'25, Net income: $528MQ4'25Q1'26, Revenue: $2.2BQ1'26, Net income: $517MQ1'26Q2'26, Revenue: $2.3BQ2'26, Net income: $587MQ2'26Q3'26, Revenue: $2.3BQ3'26, Net income: $636MQ3'26$0$1B$2B$3BQ4'22, Revenue: $2.2BQ4'22, Net income: $653MQ1'23, Revenue: $2.1BQ1'23, Net income: $511MQ1'23Q2'23, Revenue: $2.1BQ2'23, Net income: $478MQ3'23, Revenue: $2.0BQ3'23, Net income: $430MQ3'23Q4'23, Revenue: $2.0BQ4'23, Net income: $189MQ1'24, Revenue: $2.0BQ1'24, Net income: $334MQ1'24Q2'24, Revenue: $2.0BQ2'24, Net income: $392MQ3'24, Revenue: $1.9BQ3'24, Net income: $382MQ3'24Q4'24, Revenue: $2.0BQ4'24, Net income: $401MQ1'25, Revenue: $1.9BQ1'25, Net income: $373MQ1'25Q2'25, Revenue: $2.0BQ2'25, Net income: $436MQ3'25, Revenue: $2.1BQ3'25, Net income: $494MQ3'25Q4'25, Revenue: $2.2BQ4'25, Net income: $528MQ1'26, Revenue: $2.2BQ1'26, Net income: $517MQ1'26Q2'26, Revenue: $2.3BQ2'26, Net income: $587MQ3'26, Revenue: $2.3BQ3'26, Net income: $636MQ3'26

Net income losses drawn in red.

Cash and equivalents against long-term debtCash and equivalentsLong-term debt
$0$5B$10B$15B$20BQ4'22, Long-term debt: $15.9BQ4'22Q1'23, Long-term debt: $18.9BQ1'23Q2'23, Long-term debt: $14.1BQ2'23Q3'23, Long-term debt: $17.4BQ3'23Q4'23, Long-term debt: $13.5BQ4'23Q1'24, Long-term debt: $13.8BQ1'24Q2'24, Long-term debt: $13.1BQ2'24Q3'24, Long-term debt: $13.9BQ3'24Q4'24, Long-term debt: $12.4BQ4'24Q1'25, Long-term debt: $12.3BQ1'25Q2'25, Long-term debt: $12.5BQ2'25Q3'25, Long-term debt: $10.4BQ3'25Q4'25, Long-term debt: $11.2BQ4'25Q1'26, Long-term debt: $12.3BQ1'26Q2'26, Long-term debt: $15.2BQ2'26Q3'26, Long-term debt: $17.0BQ3'26$0$5B$10B$15B$20BQ4'22, Long-term debt: $15.9BQ1'23, Long-term debt: $18.9BQ1'23Q2'23, Long-term debt: $14.1BQ3'23, Long-term debt: $17.4BQ3'23Q4'23, Long-term debt: $13.5BQ1'24, Long-term debt: $13.8BQ1'24Q2'24, Long-term debt: $13.1BQ3'24, Long-term debt: $13.9BQ3'24Q4'24, Long-term debt: $12.4BQ1'25, Long-term debt: $12.3BQ1'25Q2'25, Long-term debt: $12.5BQ3'25, Long-term debt: $10.4BQ3'25Q4'25, Long-term debt: $11.2BQ1'26, Long-term debt: $12.3BQ1'26Q2'26, Long-term debt: $15.2BQ3'26, Long-term debt: $17.0BQ3'26

Positions at each quarter end, as filed; short-term investments are not included.

Income statement

Last eight quarters, newest first, through Q3 FY2026 filed October 28, 2026.

Citizens Financial Group, Inc. income statement, quarterly
Millions of dollarsQ3 FY2026ended Sep 30, 2026filed Oct 28, 2026Q2 FY2026ended Jun 30, 2026filed Aug 3, 2026Q1 FY2026ended Mar 31, 2026filed May 4, 2026Q4 FY2025ended Dec 31, 2025filed Feb 12, 2026Q3 FY2025ended Sep 30, 2025filed Nov 3, 2025Q2 FY2025ended Jun 30, 2025filed Aug 4, 2025Q1 FY2025ended Mar 31, 2025filed May 1, 2025Q4 FY2024ended Dec 31, 2024filed Feb 13, 2025YoYQ3 FY2026vs Q3 FY2025
Revenue2,3222,2832,1682,1572,1182,0371,9351,986+9.6%
Cost of revenue—————————
Gross profit—————————
Research and development—————————
Selling, general and administrative1,3931,3941,3781,3431,3351,3191,3141,316+4.3%
Operating income—————————
Other income (expense)—————————
Pretax income804755650677629554468508+27.8%
Income tax16816813314913511895107+24.4%
Net income636587517528494436373401+28.7%
Diluted EPS ($)1.411.301.13—1.050.920.77—+34.3%
Diluted shares (millions)426427430—435437442——

Fourth quarters are the fiscal year less the first nine months when the filer reports no discrete fourth quarter, and are marked. Diluted EPS is never derived, so a derived quarter shows none. Italic figures are derived.

Balance sheet

Last eight quarters, newest first, through Q3 FY2026 filed October 28, 2026.

Citizens Financial Group, Inc. balance sheet, quarterly
Millions of dollarsQ3 FY2026ended Sep 30, 2026filed Oct 28, 2026Q2 FY2026ended Jun 30, 2026filed Aug 3, 2026Q1 FY2026ended Mar 31, 2026filed May 4, 2026Q4 FY2025ended Dec 31, 2025filed Feb 12, 2026Q3 FY2025ended Sep 30, 2025filed Nov 3, 2025Q2 FY2025ended Jun 30, 2025filed Aug 4, 2025Q1 FY2025ended Mar 31, 2025filed May 1, 2025Q4 FY2024ended Dec 31, 2024filed Feb 13, 2025YoYQ3 FY2026vs Q3 FY2025
Cash and equivalents—————————
Short-term investments—————————
Total current assets—————————
Total assets234,464233,836227,918226,351222,747218,310220,148217,521+5.3%
Total current liabilities—————————
Long-term debt17,01315,19012,26011,22410,44112,52612,26712,401+62.9%
Total liabilities209,302207,653201,746200,034196,918193,076195,282193,267+6.3%
Stockholders’ equity25,16226,18326,17226,31725,82925,23424,86624,254−2.6%
Shares outstanding (millions)419421423425429431434437—

Positions at each period end. Nothing on this statement is derived. Long-term debt is the filed noncurrent line only; no total-debt composite is constructed across filers. Italic figures are derived.

Cash flow statement

Last eight quarters, newest first, through Q3 FY2026 filed October 28, 2026.

Citizens Financial Group, Inc. cash flow statement, quarterly
Millions of dollarsQ3 FY2026ended Sep 30, 2026filed Oct 28, 2026Q2 FY2026ended Jun 30, 2026filed Aug 3, 2026Q1 FY2026ended Mar 31, 2026filed May 4, 2026Q4 FY2025ended Dec 31, 2025filed Feb 12, 2026Q3 FY2025ended Sep 30, 2025filed Nov 3, 2025Q2 FY2025ended Jun 30, 2025filed Aug 4, 2025Q1 FY2025ended Mar 31, 2025filed May 1, 2025Q4 FY2024ended Dec 31, 2024filed Feb 13, 2025YoYQ3 FY2026vs Q3 FY2025
Operating cash flow453726237(158)1,696886(213)483−73.3%
Capital expenditures—————————
Free cash flow (CFO − capex)—————————
Depreciation and amortization10399113112119124123124−13.4%
Share repurchases12522530012575200200225+66.7%
Dividends paid197198198200184185186188+7.1%

10-Qs file cash flows as year-to-date totals, so quarterly figures are differenced from consecutive filings and marked. Free cash flow is operating cash flow less capital expenditures, computed from the two filed lines. Italic figures are derived.

Annual statements

Every fiscal year filed, newest first, through FY2025 filed February 12, 2026.

Income statement

Citizens Financial Group, Inc. income statement, annual
Millions of dollarsFY2025ended Dec 31, 2025filed Feb 12, 2026FY2024ended Dec 31, 2024filed Feb 13, 2025FY2023ended Dec 31, 2023filed Feb 16, 2024FY2022ended Dec 31, 2022filed Feb 17, 2023FY2021ended Dec 31, 2021filed Feb 23, 2022FY2020ended Dec 31, 2020filed Feb 23, 2021FY2019ended Dec 31, 2019filed Feb 24, 2020FY2018ended Dec 31, 2018filed Feb 21, 2019FY2017ended Dec 31, 2017filed Feb 22, 2018FY2016ended Dec 31, 2016filed Feb 24, 2017FY2015ended Dec 31, 2015filed Feb 26, 2016FY2014ended Dec 31, 2014filed Mar 3, 2015FY2013ended Dec 31, 2013filed Nov 14, 2014FY2012ended Dec 31, 2012filed Nov 14, 2014
Revenue8,2477,8098,2248,0216,6476,9056,4916,1285,7075,2554,8244,9794,6904,894
Cost of revenue——————————————
Gross profit——————————————
Research and development——————————————
Selling, general and administrative5,3115,2345,5074,8924,0813,9913,8473,6193,4743,3523,2593,3927,6793,457
Operating income——————————————
Other income (expense)——————————————
Pretax income2,3281,8882,0302,6552,9771,2982,2512,1831,9121,5341,2631,268(3,468)1,024
Income tax497379422582658241460462260489423403(42)381
Net income1,8311,5091,6082,0732,3191,0571,7911,7211,6521,045840865(3,426)643
Diluted EPS ($)3.863.033.134.105.162.223.813.523.251.971.551.55(6.12)1.15
Diluted shares (millions)437454477478427428451480504524538558560560

Balance sheet

Citizens Financial Group, Inc. balance sheet, annual
Millions of dollarsFY2025ended Dec 31, 2025filed Feb 12, 2026FY2024ended Dec 31, 2024filed Feb 13, 2025FY2023ended Dec 31, 2023filed Feb 16, 2024FY2022ended Dec 31, 2022filed Feb 17, 2023FY2021ended Dec 31, 2021filed Feb 23, 2022FY2020ended Dec 31, 2020filed Feb 23, 2021FY2019ended Dec 31, 2019filed Feb 24, 2020FY2018ended Dec 31, 2018filed Feb 21, 2019FY2017ended Dec 31, 2017filed Feb 22, 2018FY2016ended Dec 31, 2016filed Feb 24, 2017FY2015ended Dec 31, 2015filed Feb 26, 2016FY2014ended Dec 31, 2014filed Mar 3, 2015FY2013ended Dec 31, 2013filed Nov 14, 2014FY2012ended Dec 31, 2012filed Nov 14, 2014
Cash and equivalents———————4,0743,0323,7043,0853,2762,7573,063
Short-term investments——————————————
Total current assets——————————————
Total assets226,351217,521221,964226,733188,409183,349165,733160,518152,336149,520138,208132,857122,154—
Total current liabilities——————————————
Long-term debt11,22412,40113,46715,8876,9328,34614,04715,92511,76512,7909,8864,6421,405—
Total liabilities200,034193,267197,622203,043164,989160,676143,532139,701132,066129,773118,562113,589102,958—
Stockholders’ equity26,31724,25424,34223,69023,42022,67322,20120,81720,27019,74719,64619,26819,196—
Shares outstanding (millions)425437459484422425427460487509528546——

Cash flow statement

Citizens Financial Group, Inc. cash flow statement, annual
Millions of dollarsFY2025ended Dec 31, 2025filed Feb 12, 2026FY2024ended Dec 31, 2024filed Feb 13, 2025FY2023ended Dec 31, 2023filed Feb 16, 2024FY2022ended Dec 31, 2022filed Feb 17, 2023FY2021ended Dec 31, 2021filed Feb 23, 2022FY2020ended Dec 31, 2020filed Feb 23, 2021FY2019ended Dec 31, 2019filed Feb 24, 2020FY2018ended Dec 31, 2018filed Feb 21, 2019FY2017ended Dec 31, 2017filed Feb 22, 2018FY2016ended Dec 31, 2016filed Feb 24, 2017FY2015ended Dec 31, 2015filed Feb 26, 2016FY2014ended Dec 31, 2014filed Mar 3, 2015FY2013ended Dec 31, 2013filed Nov 14, 2014FY2012ended Dec 31, 2012filed Nov 14, 2014
Operating cash flow2,2112,0012,9614,1192,2751111,6971,7671,8831,4901,2291,3902,6491,714
Capital expenditures——————126232253138121141160178
Free cash flow (CFO − capex)——————1,5711,5351,6301,3521,1081,2492,4891,536
Depreciation and amortization478498478565625578633486487515471386404467
Share repurchases6001,0509061532952701,2201,02582043050033400
Dividends paid7557698087796706726174713222412148061,185150

Insider activity

Form 4 filings by officers, directors and 10% owners, November 1, 2024 to November 1, 2026. Only open-market purchases and sales count as buys and sells; awards, exercises, tax withholding and gifts are listed in grey and never counted.

Bought, three months
$0
0 purchases by 0 insiders; officers and directors $0
Sold, three months
$0
0 sales by 0 insiders; officers and directors $0
Bought, twelve months
$0
0 purchases by 0 insiders; officers and directors $0
Sold, twelve months
$10M
3 sales by 3 insiders; officers and directors $10M

The last 25 transactions

TradedInsiderRoleTransactionSharesPriceValueHeld afterFiled
Sep 1, 2026Boss MatthewHead of Consumer Bankingtax withholding10,778$68.87$742K73,824Sep 3, 2026
Aug 13, 2026Cumming Christine MDirectoraward269$0.00—52,933Aug 17, 2026
Aug 13, 2026Siekerka Michele NDirectoraward134$0.00—66,456Aug 17, 2026
Aug 13, 2026Leary Robert GDirectoraward208$0.00—33,782Aug 17, 2026
Aug 13, 2026Kelly Edward J IIIDirectoraward246$0.00—39,909Aug 17, 2026
Aug 13, 2026Swift ChristopherDirectoraward162$0.00—26,289Aug 17, 2026
Aug 13, 2026Zuraitis MaritaDirectoraward269$0.00—58,062Aug 17, 2026
Aug 13, 2026Wade Claude E.Directoraward47$0.00—7,654Aug 17, 2026
Aug 13, 2026Lillis TerranceDirectoraward246$0.00—39,909Aug 17, 2026
Aug 13, 2026Alexander LeeDirectoraward162$0.00—26,289Aug 17, 2026
Aug 13, 2026Atkinson Tracy ADirectoraward78$0.00—12,716Aug 17, 2026
Aug 13, 2026Cummings KevinDirectoraward134$0.00—473,949Aug 17, 2026
Jul 24, 2026Van Saun BruceChairman and CEO, Directoropen-market sale129,369$72.07$9M1MJul 28, 2026
Jul 24, 2026Van Saun BruceChairman and CEO, Directorgift20,850$0.00—1MJul 28, 2026
Jul 24, 2026Van Saun BruceChairman and CEO, Directorgift17,500$0.00—1MJul 28, 2026
Jun 15, 2026Stein Richard L.Chief Risk Officertax withholding4,913$67.65$332K84,633Jun 16, 2026
May 14, 2026Leary Robert GDirectoraward251$0.00—33,574May 15, 2026
May 14, 2026Alexander LeeDirectoraward195$0.00—26,127May 15, 2026
May 14, 2026Siekerka Michele NDirectoraward162$0.00—66,322May 15, 2026
May 14, 2026Cumming Christine MDirectoraward323$0.00—52,664May 15, 2026
May 14, 2026Swift ChristopherDirectoraward195$0.00—26,127May 15, 2026
May 14, 2026Cummings KevinDirectoraward162$0.00—473,814May 15, 2026
May 14, 2026Lillis TerranceDirectoraward296$0.00—39,662May 15, 2026
May 14, 2026Zuraitis MaritaDirectoraward323$0.00—57,793May 15, 2026
May 14, 2026Wade Claude E.Directoraward57$0.00—7,606May 15, 2026

Full insider history for Citizens Financial Group, Inc., or insider activity across all companies. A record of filings, not a recommendation.

Sources

Fiscal year ends in month 12; periods are labeled with the issuer's own fiscal calendar. Values are as most recently filed (restatements apply; per-share values are on current split basis per the connector's split table, flagged in adjusted). Flow items flagged in `derived` were computed (Q4 = FY − nine months; quarterly cash flow differenced from year-to-date filings) rather than read from a filing. `reconciliation.repaired` lists periods where a full-year figure was filed in a quarter slot: that row was dropped and the quarter rebuilt from the annual figure. `reconciliation.quarantined` lists periods where four filed quarters do not sum to the filed year — those quarterly values are withheld, so a blank there is a withholding rather than an absence of reporting.

Filer
CITIZENS FINANCIAL GROUP INC/RI, CIK 759944 on EDGAR
Extract generated
October 29, 2026
Withheld
none
Repaired
1 quarters where a full-year figure was filed in a quarter slot and the quarter was rebuilt: dividends FY2024
XBRL concepts behind each line

Income statement

Revenue: Revenues
Cost of revenue: not filed
Gross profit: not filed
Research and development: not filed
Selling, general and administrative: NoninterestExpense
Operating income: not filed
Other income (expense): not filed
Pretax income: IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest, IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
Income tax: IncomeTaxExpenseBenefit
Net income: NetIncomeLoss
Diluted EPS ($): EarningsPerShareDiluted
Diluted shares (millions): WeightedAverageNumberOfDilutedSharesOutstanding

Balance sheet

Cash and equivalents: CashAndCashEquivalentsAtCarryingValue
Short-term investments: not filed
Total current assets: not filed
Total assets: Assets
Total current liabilities: not filed
Long-term debt: LongTermDebt
Total liabilities: Liabilities
Stockholders’ equity: StockholdersEquity
Shares outstanding (millions): dei:EntityCommonStockSharesOutstanding

Cash flow statement

Operating cash flow: NetCashProvidedByUsedInOperatingActivities
Capital expenditures: PaymentsToAcquireProductiveAssets, PaymentsToAcquirePropertyPlantAndEquipment
Free cash flow (CFO − capex): not filed
Depreciation and amortization: DepreciationAmortizationAndAccretionNet
Share repurchases: PaymentsForRepurchaseOfCommonStock
Dividends paid: PaymentsOfDividends, PaymentsOfDividendsCommonStock

The data

The statements on this page as files, generated October 29, 2026.

JSON file
/data/financials/CFG.json