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 · 3 years

Total assets $226.4B

Total liabilities $200.0B

Shareholders equity $26.3B

Account	2025	2024	2023
Assets
Cash and Cash Equivalents	131.7%	104.1%	114.0%
Short Term Investments	3.3%	2.2%	1.7%
Other Current Assets	149.3%	136.9%	130.9%
Property,Plant and Equipment	9.5%	8.6%	8.8%
Goodwill	84.7%	80.4%	80.2%
Intangible Assets	0.0%	1.4%	1.5%
Other Noncurrent Assets	149.3%	136.9%	130.9%
Total Assets	2342.5%	2135.5%	2175.3%
Liabilities
Current Portion of Long Term Debt	0.6%	0.0%	4.9%
Other Current Liabilities	56.3%	47.8%	46.5%
Total Current Liabilities	2070.1%	1897.4%	1936.7%
Long Term Debt	116.2%	121.7%	132.0%
Other Noncurrent Liabilities	56.3%	47.8%	46.5%
Total Liabilities	2070.1%	1897.4%	1936.7%
Equity
Preferred Stock	21.8%	20.7%	19.7%
Common Stock	0.1%	0.1%	0.1%
Additional Paid In Capital	232.6%	219.6%	218.1%
Retained Earnings	117.4%	102.2%	96.2%
Treasury Stock	79.2%	69.2%	58.7%
Accumulated Other Comprehensive Income	-20.4%	-35.3%	-36.8%
Total Stockholders Equity	272.3%	238.1%	238.6%
Total Liabilitiesand Equity	2342.5%	2135.5%	2175.3%

Income Statement

Revenue, expense, and profitability

14 accounts · 3 years

Revenue $9.7B

Operating income $1.8B

Net income $1.8B

Account	2025	2024	2023
IncomeStatement
Revenues Total Revenue	100.0%	100.0%	100.0%
Expenses Selling,General and Administrative	1.8%	1.7%	1.8%
Expenses Depreciation and Amortization	0.3%	0.3%	0.4%
Expenses Share Based Compensation	1.2%	1.0%	0.9%
Other Income Expense Operating Income	18.9%	14.8%	15.8%
Other Income Expense Interest Income	100.0%	100.0%	100.0%
Other Income Expense Income Before Tax	24.1%	18.5%	19.9%
Income Tax Income Tax Expense	5.1%	3.7%	4.1%
net Income net Income	18.9%	14.8%	15.8%
net Income Comprehensive Income	35.8%	16.4%	23.6%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	4.5%	4.4%	4.7%
Earnings Per Share Weighted Average Shares Diluted	4.5%	4.5%	4.7%

Cash Flow Statement

Operating, investing, and financing flows

21 accounts · 3 years

Operating cash flow $2.2B

Investing cash flow $-6.0B

Financing cash flow $5.9B

Account	2025	2024	2023
CashFlow
Operating Activities net Income	18.9%	14.8%	15.8%
Operating Activities Depreciation and Amortization	4.9%	4.9%	4.7%
Operating Activities Stock Based Compensation	1.2%	1.0%	0.9%
Operating Activities Deferred Income Taxes	-0.8%	-1.7%	-2.4%
Operating Activities Changes In Operating Assets and Liabilities	-4.1%	-3.0%	-3.3%
Operating Activities Other Non Cash Items	-4.1%	-3.0%	-3.3%
Operating Activities net Cash From Operating Activities	22.9%	19.6%	29.0%
Investing Activities Purchases of Investments	97.9%	95.8%	98.9%
Investing Activities Proceeds From Sale of Investments	41.6%	32.4%	19.6%
Investing Activities Other Investing Activities	3.6%	0.9%	0.6%
Investing Activities net Cash From Investing Activities	-61.8%	29.3%	51.4%
Financing Activities Proceeds From Debt	88.3%	129.4%	254.6%
Financing Activities Repayment of Debt	100.8%	140.3%	278.5%
Financing Activities Repurchase of Common Stock	6.2%	10.3%	8.9%
Financing Activities Dividends Paid	7.8%	7.5%	7.9%
Financing Activities Other Financing Activities	-0.1%	0.2%	0.2%
Financing Activities net Cash From Financing Activities	60.9%	-59.1%	-69.9%
Cash Reconciliation Effect of Exchange Rate On Cash	131.7%	104.1%	114.0%
Cash Reconciliation net Change In Cash	22.0%	-10.1%	10.6%
Cash Reconciliation Cash At Beginning of Period	131.7%	104.1%	114.0%
Cash Reconciliation Cash At End of Period	131.7%	104.1%	114.0%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 3 years

Ratio	2025	2024	2023
Profitability
Gross margin	—	—	—
Operating margin	+18.9%	+14.8%	+15.8%
Net margin	+18.9%	+14.8%	+15.8%
FCF margin	—	—	—
Growth
Revenue CAGR (3y)	+11.0%	+28.1%	+24.0%
Returns
ROE	+7.0%	+6.2%	+6.6%
ROA	+0.8%	+0.7%	+0.7%
ROIC	+5.8%	+4.6%	+4.8%
Liquidity
Current ratio	—	—	—
Quick ratio	—	—	—
Leverage
D/E	7.60x	7.97x	8.12x
Interest coverage	—	—	0.41x
Efficiency
Asset turnover	0.04x	0.05x	0.05x
Cash conversion cycle	—	—	—

Valuation

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Citizens Financial Group

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