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CFG · NYSE · United States · State Commercial Banks
In shortCITIZENS FINANCIAL GROUP INC/RI is profitable.
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 22.2% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 7.2% | 36/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 26.8% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.21× | n/a |
| Years with positive free cash flow (last 5) | 5 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 2 of 5 | 33/100 |
| Revenue growth volatility | 10.3% | 73/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 0.9% | 22/100 |
|---|---|---|
| EPS growth, 3-year average | -2.0% | 15/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 6,647 | 8,021 | 8,224 | 7,809 | 8,247 |
| Interest expense | 339 | 1,048 | 3,963 | – | – |
| Pre-tax income | 2,977 | 2,655 | 2,030 | 1,888 | 2,328 |
| Income tax | 658 | 582 | 422 | 379 | 497 |
| Net income | 2,319 | 2,073 | 1,608 | 1,509 | 1,831 |
| Diluted EPS | $5.16 | $4.10 | $3.13 | $3.03 | $3.86 |
| Diluted shares (millions) | 427 | 478 | 477 | 454 | 437 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: the model does not apply to banks and insurers.
7/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 3, 2026