tradmap

CFG Financials Citizens Financial Group

14 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 8.6% per year over the past 5 years.
  • Net income has grown faster than revenue (11.6% vs 8.6% per year).
  • Free cash flow has declined 1.8% per year over the past 5 years.

Financial health

  • The company holds more cash ($12.7B) than total debt ($11.3B).
  • Total debt has grown slower than revenue (5.6% vs 8.6% per year).

Shareholder returns

  • Dividends have been paid for 13 consecutive years, consuming 41.2% of earnings.
  • The dividend has grown 2.4% per year over the past 5 years.
Revenue & net income
-$3B -$554M $2B $0 2012 2014 2016 2018 2020 2022 2024
RevenueNet income
Margins (gross / operating / net)
0% 88% 175% 2012 2014 2016 2018 2020 2022 2024
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $815M $2B 2012 2014 2016 2018 2020 2022 2024
Free cash flow
Cash vs total debt
$0 $9B $17B 2012 2014 2016 2018 2020 2022 2024
CashTotal debt
Cash flow: operating / investing / financing
-$13B $1B $15B $0 2012 2014 2016 2018 2020 2022 2024
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $1.6B $1.8B 0.0% 0.0% — $11.3B $12.7B
2024 $1.5B $1.5B 0.0% 0.0% — $12.4B $10.6B
2023 $1.3B $1.6B 0.0% 0.0% — $14.0B $11.6B
2022 $1.3B $2.1B 0.0% 0.0% — $15.9B $10.5B
2021 $1.3B $2.3B 0.0% 0.0% — $7.0B $9.2B
2020 $1.1B $1.1B 0.0% 0.0% — $8.6B $12.7B
2019 $1.2B $1.8B 0.0% 0.0% $1.6B $14.3B $3.4B
2018 $1.1B $1.7B 0.0% 0.0% $1.5B $17.2B $4.1B
2017 — $1.7B — — $1.6B $14.4B $3.0B
2016 — $1.0B — — — $17.1B $3.7B
2015 — $840M — — — $13.3B —
2014 — $865M — — — $15.2B —
2013 — -$3.4B — — — $8.4B —
2012 — $643M — — — — —

Valuation over time

How the market has priced CFG against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 8.2 16.3 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 9.1 18.3 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S
Dividend yield (%)
0.0 3.9 7.9 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
Dividend yield %

Frequently asked questions

Is CFG growing its revenue and profit?

Over the past 5 years, Citizens Financial Group's revenue has grown 8.6% per year, and net income grown 11.6% per year. These are computed facts, not advice.

How much debt does CFG have?

As of FY2025, Citizens Financial Group reported $11.3B of total debt against $12.7B of cash.

What is CFG's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 112.0%.

What is CFG's P/E ratio?

As of Jun '26, Citizens Financial Group traded at a price-to-earnings ratio of about 16.3× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.