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

Each cell as a share of that year’s revenue.

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	131.7%	104.1%	114.0%	149.4%	188.8%	237.7%	54.7%	70.8%	61.6%	86.8%
Short Term Investments	3.3%	2.2%	1.7%	2.2%	2.2%	1.2%	0.8%	3.1%	0.0%	0.0%
Other Current Assets	149.3%	136.9%	130.9%	185.4%	181.6%	149.4%	95.0%	82.6%	69.7%	70.2%
Property,Plant and Equipment	9.5%	8.6%	8.8%	12.0%	15.8%	14.2%	12.3%	13.7%	13.9%	14.1%
Goodwill	84.7%	80.4%	80.2%	115.8%	146.7%	131.6%	113.8%	120.2%	140.0%	161.2%
Intangible Assets	0.0%	1.4%	1.5%	2.8%	1.3%	1.1%	1.1%	0.5%	0.0%	0.0%
Other Noncurrent Assets	149.3%	136.9%	130.9%	185.4%	181.6%	149.4%	95.0%	82.6%	69.7%	70.2%
Total Assets	2342.5%	2135.5%	2175.3%	3211.5%	3883.9%	3422.6%	2677.9%	2787.7%	3096.3%	3504.9%
Liabilities
Current Portion of Long Term Debt	0.6%	0.0%	4.9%	0.0%	1.5%	4.5%	4.4%	48.8%	54.3%	102.2%
Other Current Liabilities	56.3%	47.8%	46.5%	64.0%	70.6%	77.8%	47.1%	35.1%	33.7%	33.9%
Total Current Liabilities	2070.1%	1897.4%	1936.7%	2876.0%	3401.1%	2999.4%	2319.1%	2426.2%	2684.3%	3042.0%
Long Term Debt	116.2%	121.7%	132.0%	225.0%	142.9%	155.8%	227.0%	250.7%	239.1%	299.8%
Other Noncurrent Liabilities	56.3%	47.8%	46.5%	64.0%	70.6%	77.8%	47.1%	35.1%	33.7%	33.9%
Total Liabilities	2070.1%	1897.4%	1936.7%	2876.0%	3401.1%	2999.4%	2319.1%	2426.2%	2684.3%	3042.0%
Equity
Preferred Stock	21.8%	20.7%	19.7%	28.5%	41.5%	36.7%	25.4%	14.6%	5.0%	5.8%
Common Stock	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
Additional Paid In Capital	232.6%	219.6%	218.1%	313.6%	391.8%	353.6%	305.2%	326.8%	381.7%	438.9%
Retained Earnings	117.4%	102.2%	96.2%	129.7%	164.5%	120.3%	105.0%	93.5%	84.6%	63.4%
Treasury Stock	79.2%	69.2%	58.7%	71.8%	101.4%	86.3%	70.3%	54.4%	42.8%	29.6%
Accumulated Other Comprehensive Income	-20.4%	-35.3%	-36.8%	-64.6%	-13.7%	-1.1%	-6.6%	-19.0%	-16.7%	-15.7%
Total Stockholders Equity	272.3%	238.1%	238.6%	335.6%	482.8%	423.2%	358.7%	361.5%	412.0%	462.9%
Total Liabilitiesand Equity	2342.5%	2135.5%	2175.3%	3211.5%	3883.9%	3422.6%	2677.9%	2787.7%	3096.3%	3504.9%

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	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
Expenses Selling,General and Administrative	1.8%	1.7%	1.8%	2.4%	2.3%	1.9%	1.8%	2.2%	2.1%	2.3%
Expenses Depreciation and Amortization	0.3%	0.3%	0.4%	0.6%	0.2%	0.2%	0.2%	0.1%	0.0%	0.0%
Expenses Share Based Compensation	1.2%	1.0%	0.9%	1.2%	1.2%	0.9%	0.7%	0.7%	1.0%	0.5%
Other Income Expense Operating Income	18.9%	14.8%	15.8%	29.4%	47.8%	19.7%	28.9%	29.9%	33.6%	24.5%
Other Income Expense Interest Income	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
Other Income Expense Income Before Tax	24.1%	18.5%	19.9%	37.6%	61.4%	24.2%	36.4%	37.9%	38.9%	36.0%
Income Tax Income Tax Expense	5.1%	3.7%	4.1%	8.2%	13.6%	4.5%	7.4%	8.0%	5.3%	11.5%
net Income net Income	18.9%	14.8%	15.8%	29.4%	47.8%	19.7%	28.9%	29.9%	33.6%	24.5%
net Income Comprehensive Income	35.8%	16.4%	23.6%	-25.8%	35.3%	26.3%	39.9%	25.1%	33.4%	17.9%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	4.5%	4.4%	4.7%	6.7%	8.8%	8.0%	7.3%	8.3%	10.2%	12.2%
Earnings Per Share Weighted Average Shares Diluted	4.5%	4.5%	4.7%	6.8%	8.8%	8.0%	7.3%	8.3%	10.2%	12.3%

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	18.9%	14.8%	15.8%	29.4%	47.8%	19.7%	28.9%	29.9%	33.6%	24.5%
Operating Activities Depreciation and Amortization	4.9%	4.9%	4.7%	8.0%	12.9%	10.8%	10.2%	8.4%	9.9%	12.1%
Operating Activities Stock Based Compensation	1.2%	1.0%	0.9%	1.2%	1.2%	0.9%	0.7%	0.7%	1.0%	0.5%
Operating Activities Deferred Income Taxes	-0.8%	-1.7%	-2.4%	0.8%	-8.8%	-4.4%	1.0%	1.7%	-2.8%	3.6%
Operating Activities Changes In Operating Assets and Liabilities	-4.1%	-3.0%	-3.3%	14.7%	15.6%	18.7%	5.3%	5.3%	-2.4%	-1.4%
Operating Activities Other Non Cash Items	-4.1%	-3.0%	-3.3%	14.7%	15.6%	18.7%	5.3%	5.3%	-2.4%	-1.4%
Operating Activities net Cash From Operating Activities	22.9%	19.6%	29.0%	58.3%	46.9%	2.1%	27.4%	30.7%	38.3%	34.9%
Investing Activities Purchases of Investments	97.9%	95.8%	98.9%	152.6%	255.7%	173.1%	136.1%	2.8%	6.6%	5.8%
Investing Activities Proceeds From Sale of Investments	41.6%	32.4%	19.6%	48.5%	161.0%	129.6%	63.8%	2.6%	5.1%	5.2%
Investing Activities Other Investing Activities	3.6%	0.9%	0.6%	10.9%	6.5%	1.2%	1.7%	7.3%	—	—
Investing Activities net Cash From Investing Activities	-61.8%	29.3%	51.4%	-179.0%	-216.2%	-114.5%	-62.6%	-122.9%	-81.0%	-265.5%
Financing Activities Proceeds From Debt	88.3%	129.4%	254.6%	348.7%	0.0%	155.4%	207.6%	390.8%	312.3%	355.0%
Financing Activities Repayment of Debt	100.8%	140.3%	278.5%	278.9%	27.9%	261.8%	240.1%	257.7%	259.2%	197.6%
Financing Activities Repurchase of Common Stock	6.2%	10.3%	8.9%	2.2%	6.1%	5.0%	19.7%	17.8%	16.7%	10.1%
Financing Activities Dividends Paid	7.8%	7.5%	7.9%	11.0%	13.8%	12.5%	10.0%	8.2%	6.5%	5.6%
Financing Activities Other Financing Activities	-0.1%	0.2%	0.2%	-0.4%	-0.5%	0.3%	0.3%	0.2%	0.4%	0.0%
Financing Activities net Cash From Financing Activities	60.9%	-59.1%	-69.9%	140.3%	95.6%	287.0%	24.1%	110.3%	29.0%	245.1%
Cash Reconciliation Effect of Exchange Rate On Cash	131.7%	104.1%	114.0%	149.4%	188.8%	237.7%	54.7%	70.8%	61.6%	—
Cash Reconciliation net Change In Cash	22.0%	-10.1%	10.6%	19.7%	-73.7%	174.5%	-11.1%	18.1%	-13.7%	14.5%
Cash Reconciliation Cash At Beginning of Period	131.7%	104.1%	114.0%	149.4%	188.8%	237.7%	54.7%	70.8%	61.6%	86.8%
Cash Reconciliation Cash At End of Period	131.7%	104.1%	114.0%	149.4%	188.8%	237.7%	54.7%	70.8%	61.6%	86.8%

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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