Citizens Financial Group, Inc.
NYSE:CFG
39.12 (USD) • At close May 9, 2025
Overview | Financials
Numbers are in millions (except for per share data and ratios) USD.
| 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 | 2022 Q4 | 2022 Q3 | 2022 Q2 | 2022 Q1 | 2021 Q4 | 2021 Q3 | 2021 Q2 | 2021 Q1 | 2020 Q4 | 2020 Q3 | 2020 Q2 | 2020 Q1 | 2019 Q4 | 2019 Q3 | 2019 Q2 | 2019 Q1 | 2018 Q4 | 2018 Q3 | 2018 Q2 | 2018 Q1 | 2017 Q4 | 2017 Q3 | 2017 Q2 | 2017 Q1 | 2016 Q4 | 2016 Q3 | 2016 Q2 | 2016 Q1 | 2015 Q4 | 2015 Q3 | 2015 Q2 | 2015 Q1 | 2014 Q4 | 2014 Q3 | 2014 Q2 | 2014 Q1 | 2013 Q4 | 2013 Q3 | 2013 Q2 | 2013 Q1 | 2012 Q4 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities: | ||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Income
| 373 | 401 | 382 | 392 | 334 | 189 | 430 | 478 | 511 | 653 | 636 | 364 | 420 | 530 | 530 | 648 | 611 | 456 | 314 | 253 | 34 | 450 | 449 | 453 | 439 | 465 | 443 | 425 | 388 | 666 | 348 | 318 | 320 | 282 | 297 | 243 | 223 | 221 | 220 | 190 | 209 | 197 | 189 | 313 | 166 | 152 | 144 | -3,905 | 183 | 101 |
| Depreciation & Amortization
| 123 | 124 | 146 | 143 | 102 | 126 | 122 | 112 | 118 | 117 | 121 | 260 | 67 | 172 | 136 | 165 | 152 | 159 | 103 | 112 | 204 | 193 | 165 | 141 | 134 | 132 | 114 | 121 | 122 | 114 | 113 | 132 | 125 | 136 | 142 | 133 | 112 | 121 | 116 | 121 | 113 | 73 | 117 | 100 | 96 | 100 | 99 | 102 | 103 | 51 |
| Deferred Income Tax
| -16 | -127 | -18 | -32 | 0 | -181 | -21 | 23 | -63 | -67 | 46 | 125 | -47 | -643 | 15 | 119 | 80 | 13 | -43 | -74 | -134 | 105 | -31 | -9 | -1 | 74 | 13 | 2 | 8 | -113 | -3 | -59 | 39 | 10 | 49 | 64 | 30 | 173 | 20 | 42 | 14 | 110 | -5 | -22 | 58 | 57 | 76 | -186 | 0 | 0 |
| Stock Based Compensation
| 31 | 21 | 28 | 21 | 34 | 14 | 18 | 22 | 33 | 16 | 16 | 19 | 33 | 12 | 12 | 13 | 22 | 14 | 11 | 2 | 21 | -3 | 12 | 12 | 20 | 1 | 12 | 10 | 18 | 13 | 8 | 9 | 18 | 8 | 4 | 7 | 4 | 2 | 7 | 9 | 6 | 24 | 10 | 0 | 19 | 96 | 0 | 5 | 10 | 29 |
| Change In Working Capital
| -536 | -8 | -524 | 214 | -253 | 287 | -184 | -310 | 473 | 265 | 1,874 | -3,181 | 184 | 598 | 322 | -1,092 | -790 | -587 | -236 | -963 | -1,192 | -135 | -73 | -7 | -307 | -335 | -753 | 98 | 76 | -328 | 330 | -726 | 103 | -90 | -46 | -123 | -74 | -317 | -111 | 37 | -237 | -272 | -169 | 185 | 207 | 499 | -370 | 44 | 283 | 0 |
| Accounts Receivables
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change In Inventory
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change In Accounts Payables
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Working Capital
| -536 | -8 | -524 | 214 | -253 | 287 | -184 | -310 | 473 | 265 | 1,874 | -3,181 | 184 | 598 | 322 | -1,092 | -790 | -587 | -236 | -963 | -1,192 | -135 | -73 | -7 | -307 | -335 | -753 | 98 | 76 | -328 | 330 | -726 | 103 | -90 | -46 | -123 | -74 | -317 | -111 | 37 | -237 | -272 | -169 | 185 | 207 | 499 | -370 | 44 | 283 | 0 |
| Other Non Cash Items
| -188 | 72 | 116 | 96 | 337 | 235 | 643 | -200 | 82 | 457 | 307 | 537 | 897 | 436 | 265 | 727 | -765 | 811 | 509 | 584 | -260 | 117 | -129 | -485 | 187 | 223 | -37 | 55 | 92 | 81 | 117 | 10 | 248 | -54 | 48 | 6 | 79 | 198 | 64 | 18 | -7 | 51 | 44 | -255 | 154 | 109 | 292 | 4,613 | 143 | 162 |
| Operating Cash Flow
| -213 | 483 | 130 | 834 | 554 | 670 | 1,008 | 125 | 1,154 | 1,441 | 3,000 | -1,876 | 1,554 | 1,105 | 1,280 | 580 | -690 | 866 | 658 | -86 | -1,327 | 727 | 393 | 105 | 472 | 560 | -208 | 711 | 704 | 433 | 913 | -316 | 853 | 292 | 494 | 330 | 374 | 398 | 316 | 417 | 98 | 183 | 186 | 321 | 700 | 1,013 | 241 | 673 | 722 | 343 |
| Investing Activities: | ||||||||||||||||||||||||||||||||||||||||||||||||||
| Investments In Property Plant And Equipment
| -14 | -48 | -34 | -30 | -10 | -48 | -33 | -39 | -52 | 0 | -85 | -5 | -51 | -65 | -27 | -22 | -10 | 0 | 53 | -37 | -16 | -143 | -89 | -10 | 0 | -137 | -122 | -137 | 0 | -187 | -106 | -94 | -53 | -94 | -22 | -54 | -53 | 54 | -11 | -70 | -65 | -147 | -47 | -30 | -47 | -121 | -90 | -52 | -30 | 69 |
| Acquisitions Net
| 0 | 0 | 0 | 0 | 0 | 48 | 33 | 0 | 0 | -20 | -1 | -91 | -143 | -151 | -14 | 0 | 0 | 0 | 0 | 37 | -3 | 0 | -752 | 0 | -129 | 0 | -533 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1,473 | 0 | 0 | 0 | 0 |
| Purchases Of Investments
| -2,365 | -3,258 | -2,010 | -1,430 | -3,057 | -4,511 | -2,370 | -1,983 | -1,223 | -1,004 | -1,134 | -5,982 | -2,656 | -3,737 | -2,256 | -2,157 | -4,256 | -3,724 | -2,236 | -1,086 | -2,222 | -4,689 | -652 | -2,130 | -2,064 | -1,412 | -1,017 | -1,462 | -1,295 | -1,439 | -1,982 | -937 | -1,933 | -3,014 | -3,054 | -1,737 | -794 | -1,592 | -1,457 | -2,537 | -2,377 | -2,685 | -1,425 | -689 | -4,871 | -2,393 | -5,580 | -1,330 | -1,921 | 0 |
| Sales Maturities Of Investments
| 1,638 | 2,892 | 2,348 | 910 | 1,435 | 1,196 | 1,577 | 930 | 2,000 | 963 | 949 | 1,626 | 2,097 | 2,637 | 2,014 | 2,379 | 2,576 | 2,963 | 2,390 | 1,926 | 1,141 | 5,818 | 816 | 2,174 | 1,861 | 1,719 | 1,306 | 1,296 | 1,249 | 1,566 | 1,677 | 1,400 | 1,535 | 2,601 | 1,740 | 1,323 | 1,114 | 1,691 | 3,224 | 1,342 | 2,127 | 2,999 | 1,526 | 862 | 1,445 | 1,456 | 1,692 | 2,231 | 3,123 | 0 |
| Other Investing Activites
| -367 | 2,022 | -143 | 729 | 2,671 | 3,540 | 1,175 | 4,241 | 767 | -97 | 1,154 | -4,996 | -3,161 | -6,183 | -1,001 | -831 | 618 | 124 | 1,893 | 329 | -7,668 | -3,075 | 179 | 149 | -1,139 | -2,184 | -1,324 | -1,952 | -1,072 | 0 | -1,628 | -1,111 | -692 | -2,120 | -1,726 | -2,848 | -2,588 | -1,862 | -982 | -1,965 | -1,425 | -3,041 | -1,851 | -717 | -1,563 | -140 | -738 | 3,537 | -624 | 1,129 |
| Investing Cash Flow
| -1,108 | 1,608 | 161 | 179 | 1,039 | 225 | 382 | 3,149 | 1,492 | -158 | 883 | -9,448 | -3,914 | -7,499 | -1,284 | -631 | -1,072 | -637 | 2,100 | 1,169 | -8,768 | -2,089 | -498 | 183 | -1,471 | -2,014 | -1,690 | -2,255 | -1,118 | -60 | -2,039 | -742 | -1,143 | -2,627 | -3,062 | -3,316 | -2,321 | -1,709 | 774 | -3,230 | -1,740 | -2,874 | -1,797 | -574 | -5,036 | -2,671 | -4,716 | 4,386 | 548 | 1,198 |
| Financing Activities: | ||||||||||||||||||||||||||||||||||||||||||||||||||
| Debt Repayment
| -95 | -1,560 | 860 | -738 | -168 | -3,629 | 2,387 | -4,664 | 3,973 | -669 | -1,635 | 8,191 | -1,056 | 90 | -56 | -1,360 | -180 | -760 | -16 | -8,042 | 3,080 | 1,047 | 882 | 508 | -4,890 | -1,608 | 2,503 | 164 | 1,396 | -1,246 | -251 | 603 | -1,453 | 1,648 | 70 | 1,203 | 791 | 2,511 | -653 | -254 | -3 | 2,124 | -657 | 3,081 | 2,697 | 2,025 | 897 | 31 | -492 | 0 |
| Common Stock Issued
| 0 | 0 | 391 | 0 | 0 | -663 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 296 | 0 | 4,016 | 0 | 0 | 0 | 0 | 0 | 0 | 292 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 27 | 0 | 0 | 0 | 13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Stock Repurchased
| -200 | -225 | -625 | -200 | -300 | 26 | -243 | -256 | -400 | -151 | 0 | -2 | -23 | -200 | -250 | 0 | -95 | 270 | 1 | -1 | -270 | -400 | -500 | -120 | -200 | -300 | -400 | -150 | -175 | -335 | -225 | -130 | -130 | -180 | -250 | 0 | 0 | -250 | -250 | -250 | 0 | -334 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid
| -220 | -226 | -225 | -224 | -228 | -230 | -231 | -229 | -238 | -233 | -243 | -218 | -198 | -193 | -200 | -191 | -199 | -193 | -196 | -190 | -191 | -175 | -180 | -163 | -164 | -134 | -129 | -114 | -108 | -96 | -90 | -78 | -72 | -69 | -62 | -71 | -53 | -53 | -60 | -53 | -55 | -55 | -383 | -343 | -25 | -374 | -383 | -388 | -40 | -55 |
| Other Financing Activities
| 2,776 | -394 | -1,457 | 321 | -926 | -808 | 537 | 5,471 | -8,558 | 2,157 | -359 | -69 | 4,392 | 2,139 | 1,335 | -417 | 4,163 | 4,241 | -776 | 10,537 | 8,148 | 434 | 710 | 86 | 4,615 | 3,579 | 50 | 1,650 | 128 | 2,216 | -355 | 837 | 2,234 | 1,725 | 2,070 | 3,654 | -21 | 182 | -1,240 | 985 | 3,428 | 1,002 | 184 | 19 | 1,759 | 182 | 2,057 | -3,605 | -412 | -4,477 |
| Financing Cash Flow
| 2,261 | -2,405 | -1,147 | -841 | -1,622 | -4,667 | 2,443 | 322 | -5,223 | 1,104 | -2,237 | 7,902 | 3,138 | 1,836 | 1,079 | -1,968 | 3,689 | 3,288 | -988 | 2,305 | 10,767 | 906 | 912 | 311 | -639 | 1,537 | 2,024 | 1,550 | 1,241 | 539 | -921 | 1,232 | 579 | 3,124 | 1,828 | 4,786 | 717 | 2,640 | -2,203 | 678 | 3,370 | 3,071 | -856 | 2,757 | 4,431 | 1,833 | 2,571 | -3,962 | -944 | -4,532 |
| Other Information: | ||||||||||||||||||||||||||||||||||||||||||||||||||
| Effect Of Forex Changes On Cash
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Change In Cash
| 940 | -314 | -684 | 172 | -29 | -3,772 | 3,833 | 3,593 | -2,573 | 2,387 | 1,646 | -3,422 | 778 | -4,558 | 1,075 | -2,019 | 1,927 | 3,517 | 1,770 | 3,388 | 672 | -456 | 807 | 599 | -1,638 | 83 | 126 | 6 | 827 | 912 | -2,047 | 174 | 289 | 789 | -740 | 1,800 | -1,230 | 1,329 | -1,113 | -2,135 | 1,728 | 387 | -2,467 | 2,504 | 95 | 175 | -1,904 | 1,097 | 326 | -2,991 |
| Cash At End Of Period
| 11,541 | 10,601 | 10,915 | 11,771 | 11,599 | 11,628 | 15,400 | 11,567 | 7,974 | 10,547 | 8,160 | 6,514 | 9,936 | 9,158 | 13,716 | 12,641 | 14,660 | 12,733 | 9,216 | 7,446 | 4,058 | 3,386 | 3,842 | 3,035 | 2,436 | 4,074 | 3,991 | 3,865 | 3,859 | 3,032 | 2,120 | 4,167 | 3,993 | 3,704 | 2,915 | 3,655 | 1,855 | 3,085 | 1,756 | 2,869 | 5,004 | 3,276 | 2,889 | 5,356 | 2,852 | 2,757 | 2,582 | 4,486 | 3,389 | 3,063 |