CITIZENS FINANCIAL GROUP INC/RI (CFG)

69.71 -0.67% (-0.47)

Over 1Y: +37.7%

2026-08-28
Style
Area Line Line with markers Steps Candlesneeds a shorter window Hollow candlesneeds a shorter window Barsneeds a shorter window

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50 60 70
Aug Oct Dec Feb Apr Jun Aug

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
Q3 '21 — Operating Cash Flow: 1.3B Q3 '21 — Net Income: 530M Q4 '21 — Operating Cash Flow: 1.1B Q4 '21 — Net Income: 530M Q1 '22 — Operating Cash Flow: 1.6B Q1 '22 — Net Income: 420M Q2 '22 — Operating Cash Flow: -1.9B Q2 '22 — Net Income: 364M Q3 '22 — Operating Cash Flow: 3B Q3 '22 — Net Income: 636M Q4 '22 — Operating Cash Flow: 1.4B Q4 '22 — Net Income: 653M Q1 '23 — Operating Cash Flow: 1.2B Q1 '23 — Net Income: 511M Q2 '23 — Operating Cash Flow: 122M Q2 '23 — Net Income: 478M Q3 '23 — Operating Cash Flow: 1B Q3 '23 — Net Income: 430M Q4 '23 — Operating Cash Flow: 670M Q4 '23 — Net Income: 189M Q1 '24 — Operating Cash Flow: 554M Q1 '24 — Net Income: 334M Q2 '24 — Operating Cash Flow: 834M Q2 '24 — Net Income: 392M Q3 '24 — Operating Cash Flow: 130M Q3 '24 — Net Income: 382M Q4 '24 — Operating Cash Flow: 483M Q4 '24 — Net Income: 401M Q1 '25 — Operating Cash Flow: -213M Q1 '25 — Net Income: 373M Q2 '25 — Operating Cash Flow: 886M Q2 '25 — Net Income: 436M Q3 '25 — Operating Cash Flow: 1.7B Q3 '25 — Net Income: 494M Q4 '25 — Operating Cash Flow: -158M Q4 '25 — Net Income: 528M Q1 '26 — Operating Cash Flow: 237M Q1 '26 — Net Income: 517M Q2 '26 — Operating Cash Flow: 726M Q2 '26 — Net Income: 587M -1B 0 1B 2B 3B
Q4 '21 Q3 '22 Q2 '23 Q1 '24 Q4 '24 Q3 '25 Q2 '26
Operating Cash Flow Free Cash Flow Net Income

Figures as at 2026-06-30, reported in USD. The newest fact in the filings is dated 2026-06-30, 61 days ago. Nothing on this page is advice.

How it scores

Five questions, each answered by the measures under it. Every figure is the company's own; the bar beside it is where that figure sits among the companies read here — the top fifth, the bottom fifth, or somewhere between. Not among all listed companies, and for a valuation multiple the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

8.7
OE margin 135.5%
Accruals -0.16%
FCF margin 142.8%
OCF margin 142.8%
Profit margin 121.4%
ROA 0.91%
ROE 8.1%
Asset turnover 0.0075×
Capex / sales —
EBITDA margin —
Gross margin —
OCF / EBIT —
Oper. margin —
ROCE —
ROIC —

2 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

0.5
Div. yield —
EV/EBIT —
EV/GP —
EV/OE —
EV/Sales —
FCF yield —
Fwd P/E —
P/B —
P/C —
P/E —
PEG —

0 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

3.8
RPO / sales —
RPO growth —
Segment HHI —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

2.0
ND/EBITDA —
F-score 9.0 pts
Net debt / Eq 0.093×
Cash / Debt 0.84×
Debt payback 0.97 yr
Payout 36.7%
Debt / Eq 0.58×
Cash runway —
Current ratio —
Interest cover —
Quick ratio —

1 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

2.8
Sales/sh Y/Y +20.1%
EPS Y/Y +38.6%
Sales Q/Q +17.8%
Div. growth -1.8%
EPS CAGR 4Y -7.0%
EBIT CAGR —
EBIT Y/Y —
EPS next Y —

2 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.