Citizens Financial Group

Financials Regional Banks Providence, Rhode Island Last filing Feb 12, 2026 · FY2025

                    Revenue
                    FY2025
                
$9.7B
                    3y CAGR +11.0%
                    
                    P41
                    
                    -5.1%
                    
                    Net income
                    FY2025
                
$1.8B
                    Net margin +18.9%
                    
                    P45
                    
                    +21.3%
                    
                    Total assets
                    FY2025
                
$226.4B
                    ROA +0.8%
                    
                    P12
                    
                    +4.1%
                    
                    Operating cash flow
                    FY2025
                
$2.2B
                    
                    +10.5%

14 yrs · FY2012–FY2025 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Running CAGR since the earliest displayed year.

Balance Sheet

Assets, liabilities, and equity

22 accounts · 10 years

Total assets $226.4B

Total liabilities $200.0B

Shareholders equity $26.3B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Assets
Cash and Cash Equivalents	+14.7%	+14.0%	+17.8%	+19.1%	+19.8%	+36.2%	-2.9%	+4.9%	-18.1%	—
Short Term Investments	—	—	—	—	—	—	—	—	—	—
Other Current Assets	+19.1%	+21.2%	+23.8%	+27.9%	+24.1%	+27.9%	+25.2%	+26.0%	+14.6%	—
Property,Plant and Equipment	+4.8%	+4.8%	+5.9%	+5.8%	+5.0%	+6.0%	+8.2%	+14.7%	+14.0%	—
Goodwill	+2.0%	+2.2%	+2.5%	+2.9%	+0.7%	+0.6%	+0.8%	+0.3%	+0.2%	—
Intangible Assets	—	—	—	—	—	—	—	—	—	—
Other Noncurrent Assets	+19.1%	+21.2%	+23.8%	+27.9%	+24.1%	+27.9%	+25.2%	+26.0%	+14.6%	—
Total Assets	+4.7%	+4.8%	+5.8%	+7.2%	+4.7%	+5.2%	+3.5%	+3.6%	+1.9%	—
Liabilities
Current Portion of Long Term Debt	-38.1%	—	-26.5%	-70.3%	-55.7%	-51.4%	-60.2%	-19.7%	-38.7%	—
Other Current Liabilities	+15.8%	+16.4%	+18.5%	+20.9%	+18.8%	+30.3%	+26.3%	+18.1%	+14.7%	—
Total Current Liabilities	+4.9%	+5.1%	+6.2%	+7.7%	+4.9%	+5.5%	+3.4%	+3.8%	+1.8%	—
Long Term Debt	-1.4%	-0.4%	+0.7%	+3.7%	-11.5%	-10.1%	+3.2%	+6.2%	-8.0%	—
Other Noncurrent Liabilities	+15.8%	+16.4%	+18.5%	+20.9%	+18.8%	+30.3%	+26.3%	+18.1%	+14.7%	—
Total Liabilities	+4.9%	+5.1%	+6.2%	+7.7%	+4.9%	+5.5%	+3.4%	+3.8%	+1.8%	—
Equity
Preferred Stock	+26.9%	+30.8%	+35.0%	+41.9%	+52.2%	+67.9%	+85.2%	+84.4%	+0.0%	—
Common Stock	+1.7%	+1.9%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	—
Additional Paid In Capital	+2.1%	+2.2%	+2.5%	+2.8%	+0.3%	+0.3%	+0.3%	+0.2%	+0.3%	—
Retained Earnings	+17.3%	+18.4%	+20.2%	+22.6%	+24.2%	+24.3%	+34.0%	+41.1%	+54.1%	—
Treasury Stock	+22.2%	+24.0%	+24.9%	+26.1%	+31.2%	+38.3%	+51.1%	+57.5%	+66.9%	—
Accumulated Other Comprehensive Income	—	—	—	—	—	—	—	—	—	—
Total Stockholders Equity	+3.2%	+2.6%	+3.0%	+3.1%	+3.5%	+3.5%	+4.0%	+2.7%	+2.6%	—
Total Liabilitiesand Equity	+4.7%	+4.8%	+5.8%	+7.2%	+4.7%	+5.2%	+3.5%	+3.6%	+1.9%	—

Income Statement

Revenue, expense, and profitability

14 accounts · 10 years

Revenue $9.7B

Operating income $1.8B

Net income $1.8B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
IncomeStatement
Revenues Total Revenue	+9.5%	+11.5%	+13.3%	+8.8%	+2.6%	+5.9%	+13.2%	+16.2%	+15.3%	—
Expenses Selling,General and Administrative	+6.3%	+7.1%	+9.7%	+9.2%	+2.5%	+0.5%	+4.6%	+14.7%	+7.1%	—
Expenses Depreciation and Amortization	—	—	—	—	—	—	—	—	—	—
Expenses Share Based Compensation	+20.1%	+19.7%	+20.9%	+24.1%	+20.7%	+20.2%	+21.3%	+33.5%	+108.7%	—
Other Income Expense Operating Income	+6.4%	+4.7%	+6.4%	+12.1%	+17.3%	+0.3%	+19.7%	+28.3%	+58.1%	—
Other Income Expense Interest Income	+9.5%	+11.5%	+13.3%	+8.8%	+2.6%	+5.9%	+13.2%	+16.2%	+15.3%	—
Other Income Expense Income Before Tax	+4.7%	+2.6%	+4.1%	+9.6%	+14.2%	-4.1%	+13.6%	+19.3%	+24.6%	—
Income Tax Income Tax Expense	+0.2%	-3.1%	-2.1%	+2.9%	+6.1%	-16.2%	-2.0%	-2.8%	-46.8%	—
net Income net Income	+6.4%	+4.7%	+6.4%	+12.1%	+17.3%	+0.3%	+19.7%	+28.3%	+58.1%	—
net Income Comprehensive Income	+18.3%	+10.3%	+17.8%	—	+17.5%	+16.5%	+47.9%	+37.5%	+115.3%	—
Earnings Per Share Basic Eps	+7.9%	+5.6%	+6.9%	+13.1%	+21.3%	+3.0%	+24.7%	+34.1%	+65.5%	—
Earnings Per Share Diluted Eps	+7.8%	+5.5%	+6.8%	+13.0%	+21.2%	+3.0%	+24.6%	+33.7%	+65.0%	—
Earnings Per Share Weighted Average Shares Basic	-2.1%	-1.8%	-1.3%	-1.5%	-4.0%	-4.9%	-4.9%	-4.2%	-3.8%	—
Earnings Per Share Weighted Average Shares Diluted	-2.0%	-1.8%	-1.3%	-1.5%	-4.0%	-4.9%	-4.9%	-4.2%	-3.9%	—

Cash Flow Statement

Operating, investing, and financing flows

21 accounts · 10 years

Operating cash flow $2.2B

Investing cash flow $-6.0B

Financing cash flow $5.9B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
CashFlow
Operating Activities net Income	+6.4%	+4.7%	+6.4%	+12.1%	+17.3%	+0.3%	+19.7%	+28.3%	+58.1%	—
Operating Activities Depreciation and Amortization	-0.8%	-0.4%	-1.1%	+1.6%	+3.9%	+2.9%	+7.1%	-2.9%	-5.4%	—
Operating Activities Stock Based Compensation	+20.1%	+19.7%	+20.9%	+24.1%	+20.7%	+20.2%	+21.3%	+33.5%	+108.7%	—
Operating Activities Deferred Income Taxes	—	—	—	-15.2%	—	—	-25.2%	-20.4%	—	—
Operating Activities Changes In Operating Assets and Liabilities	—	—	—	—	—	—	—	—	—	—
Operating Activities Other Non Cash Items	—	—	—	—	—	—	—	—	—	—
Operating Activities net Cash From Operating Activities	+4.5%	+3.8%	+10.3%	+18.5%	+8.8%	-47.8%	+4.4%	+8.9%	+26.4%	—
Investing Activities Purchases of Investments	+50.0%	+58.4%	+70.0%	+87.8%	+119.0%	+147.8%	+224.7%	-18.8%	+32.5%	—
Investing Activities Proceeds From Sale of Investments	+38.1%	+40.3%	+37.1%	+58.0%	+104.2%	+137.0%	+161.8%	-17.4%	+15.0%	—
Investing Activities Other Investing Activities	—	—	—	—	—	—	—	—	—	—
Investing Activities net Cash From Investing Activities	—	—	—	—	—	—	—	—	—	—
Financing Activities Proceeds From Debt	-6.2%	-1.7%	+8.0%	+8.4%	—	-13.9%	-5.3%	+21.9%	+1.4%	—
Financing Activities Repayment of Debt	+1.6%	+6.8%	+19.0%	+15.2%	-30.7%	+13.6%	+20.8%	+32.7%	+51.3%	—
Financing Activities Repurchase of Common Stock	+3.8%	+11.8%	+11.2%	-15.8%	-7.3%	-11.0%	+41.6%	+54.4%	+90.7%	—
Financing Activities Dividends Paid	+13.5%	+15.6%	+18.9%	+21.6%	+22.7%	+29.2%	+36.8%	+39.8%	+33.6%	—
Financing Activities Other Financing Activities	—	—	—	—	—	—	—	—	—	—
Financing Activities net Cash From Financing Activities	-6.2%	—	—	-0.9%	-15.0%	+10.1%	-47.8%	-22.1%	-86.3%	—
Cash Reconciliation Effect of Exchange Rate On Cash	—	—	—	—	—	—	—	—	—	—
Cash Reconciliation net Change In Cash	+14.7%	—	+8.3%	+14.4%	—	+97.1%	—	+29.7%	—	—
Cash Reconciliation Cash At Beginning of Period	+14.7%	+14.0%	+17.8%	+19.1%	+19.8%	+36.2%	-2.9%	+4.9%	-18.1%	—
Cash Reconciliation Cash At End of Period	+14.7%	+14.0%	+17.8%	+19.1%	+19.8%	+36.2%	-2.9%	+4.9%	-18.1%	—

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 10 years

Ratio	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Profitability
Gross margin	—	—	—	—	—	—	—	—	—	—
Operating margin	+18.9%	+14.8%	+15.8%	+29.4%	+47.8%	+19.7%	+28.9%	+29.9%	+33.6%	+24.5%
Net margin	+18.9%	+14.8%	+15.8%	+29.4%	+47.8%	+19.7%	+28.9%	+29.9%	+33.6%	+24.5%
FCF margin	—	—	—	—	—	—	+25.4%	+26.7%	+33.1%	—
Growth
Revenue CAGR (3y)	+11.0%	+28.1%	+24.0%	+4.5%	-5.6%	+2.9%	+13.2%	+14.3%	+10.3%	+6.8%
Returns
ROE	+7.0%	+6.2%	+6.6%	+8.8%	+9.9%	+4.7%	+8.1%	+8.3%	+8.1%	+5.3%
ROA	+0.8%	+0.7%	+0.7%	+0.9%	+1.2%	+0.6%	+1.1%	+1.1%	+1.1%	+0.7%
ROIC	+5.8%	+4.6%	+4.8%	+5.6%	+8.5%	+4.6%	+4.3%	+4.0%	+4.5%	+2.1%
Liquidity
Current ratio	—	—	—	—	—	—	—	—	—	—
Quick ratio	—	—	—	—	—	—	—	—	—	—
Leverage
D/E	7.60x	7.97x	8.12x	8.57x	7.04x	7.09x	6.47x	6.71x	6.52x	6.57x
Interest coverage	—	—	0.41x	1.98x	6.84x	1.37x	1.14x	1.40x	2.21x	2.06x
Efficiency
Asset turnover	0.04x	0.05x	0.05x	0.03x	0.03x	0.03x	0.04x	0.04x	0.03x	0.03x
Cash conversion cycle	—	—	—	—	—	—	—	—	—	—

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Citizens Financial Group

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