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

Year-over-year change per cell; first column has no prior.

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	+20.1%	-8.8%	—
Short Term Investments	+44.1%	+27.2%	—
Other Current Assets	+3.5%	+4.4%	—
Property,Plant and Equipment	+4.6%	-2.2%	—
Goodwill	+0.0%	-0.0%	—
Intangible Assets	-100.0%	-7.0%	—
Other Noncurrent Assets	+3.5%	+4.4%	—
Total Assets	+4.1%	-2.0%	—
Liabilities
Current Portion of Long Term Debt	—	-100.0%	—
Other Current Liabilities	+11.7%	+2.6%	—
Total Current Liabilities	+3.5%	-2.2%	—
Long Term Debt	-9.5%	-7.9%	—
Other Noncurrent Liabilities	+11.7%	+2.6%	—
Total Liabilities	+3.5%	-2.2%	—
Equity
Preferred Stock	-0.1%	+4.9%	—
Common Stock	+0.0%	+16.7%	—
Additional Paid In Capital	+0.5%	+0.5%	—
Retained Earnings	+9.0%	+6.1%	—
Treasury Stock	+8.6%	+17.7%	—
Accumulated Other Comprehensive Income	+45.2%	+4.3%	—
Total Stockholders Equity	+8.5%	-0.4%	—
Total Liabilitiesand Equity	+4.1%	-2.0%	—

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	-5.1%	-0.2%	—
Expenses Selling,General and Administrative	+0.0%	-9.1%	—
Expenses Depreciation and Amortization	-5.7%	-16.7%	—
Expenses Share Based Compensation	+23.7%	+11.5%	—
Other Income Expense Operating Income	+21.3%	-6.2%	—
Other Income Expense Interest Income	-5.1%	-0.2%	—
Other Income Expense Income Before Tax	+23.3%	-7.0%	—
Income Tax Income Tax Expense	+31.1%	-10.2%	—
net Income net Income	+21.3%	-6.2%	—
net Income Comprehensive Income	+106.7%	-30.6%	—
Earnings Per Share Basic Eps	+27.9%	-2.9%	—
Earnings Per Share Diluted Eps	+27.4%	-3.2%	—
Earnings Per Share Weighted Average Shares Basic	-3.9%	-5.1%	—
Earnings Per Share Weighted Average Shares Diluted	-3.7%	-4.9%	—

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	+21.3%	-6.2%	—
Operating Activities Depreciation and Amortization	-4.0%	+4.2%	—
Operating Activities Stock Based Compensation	+23.7%	+11.5%	—
Operating Activities Deferred Income Taxes	+53.7%	+26.9%	—
Operating Activities Changes In Operating Assets and Liabilities	-27.4%	+8.6%	—
Operating Activities Other Non Cash Items	-27.4%	+8.6%	—
Operating Activities net Cash From Operating Activities	+10.5%	-32.4%	—
Investing Activities Purchases of Investments	-3.0%	-3.3%	—
Investing Activities Proceeds From Sale of Investments	+21.6%	+65.1%	—
Investing Activities Other Investing Activities	+273.1%	+52.5%	—
Investing Activities net Cash From Investing Activities	-299.8%	-43.1%	—
Financing Activities Proceeds From Debt	-35.3%	-49.3%	—
Financing Activities Repayment of Debt	-31.8%	-49.7%	—
Financing Activities Repurchase of Common Stock	-42.9%	+15.9%	—
Financing Activities Dividends Paid	-1.8%	-4.8%	—
Financing Activities Other Financing Activities	-144.4%	-14.3%	—
Financing Activities net Cash From Financing Activities	+197.8%	+15.6%	—
Cash Reconciliation Effect of Exchange Rate On Cash	+20.1%	-8.8%	—
Cash Reconciliation net Change In Cash	+307.0%	-195.0%	—
Cash Reconciliation Cash At Beginning of Period	+20.1%	-8.8%	—
Cash Reconciliation Cash At End of Period	+20.1%	-8.8%	—

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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