FN2 Earnings Intelligence
Citizens Financial Group, Inc. ratios
Citizens Financial Group, Inc. (CFG-PE) Ratios (annual) derived from persisted SEC financial facts.
Key Stats
USD in millions, except per-share values and percentages.
| Metric | 12/31/2021 | 12/31/2022 | 12/31/2023 | 12/31/2024 | 12/31/2025 |
|---|---|---|---|---|---|
| Market Cap | - | - | - | - | - |
| - Cash | $9,158 | $10,547 | $11,628 | $10,601 | $12,727 |
| + Debt | $7,006 | $15,890 | $13,972 | $12,401 | $11,282 |
| Enterprise Value | - | - | - | - | - |
| Revenue | $6,647 | $8,021 | $8,224 | $7,809 | $8,247 |
| % Growth | -3.7% | 20.7% | 2.5% | -5.0% | 5.6% |
| Gross Profit | $2,566 | $3,129 | $2,717 | $2,575 | $2,936 |
| % Margin | 38.6% | 39.0% | 33.0% | 33.0% | 35.6% |
| EBITDA | - | - | - | - | - |
| % Margin | - | - | - | - | - |
| Net Income | $2,319 | $2,073 | $1,608 | $1,509 | $1,831 |
| % Margin | 34.9% | 25.8% | 19.6% | 19.3% | 22.2% |
| Diluted EPS | $5.16 | $4.10 | $3.13 | $3.03 | $3.86 |
| % Growth | 132.4% | -20.5% | -23.7% | -3.2% | 27.4% |
| Operating Cash Flow | $2,275 | $4,119 | $2,961 | $2,001 | $2,211 |
| CapEx | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - |
Historical market capitalization is not persisted, so Market Cap and Enterprise Value remain unavailable rather than mixing today's market value into prior periods.
Income Statement
USD in millions, except per-share values and percentages.
| Metric | 12/31/2021 | 12/31/2022 | 12/31/2023 | 12/31/2024 | 12/31/2025 |
|---|---|---|---|---|---|
| Revenue | $6,647 | $8,021 | $8,224 | $7,809 | $8,247 |
| Gross Profit | $2,566 | $3,129 | $2,717 | $2,575 | $2,936 |
| EBITDA | - | - | - | - | - |
| Net Income | $2,319 | $2,073 | $1,608 | $1,509 | $1,831 |
| Diluted EPS | $5.16 | $4.10 | $3.13 | $3.03 | $3.86 |
Balance Sheet
USD in millions, except per-share values and percentages.
| Metric | 12/31/2021 | 12/31/2022 | 12/31/2023 | 12/31/2024 | 12/31/2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $9,158 | $10,547 | $11,628 | $10,601 | $12,727 |
| Short-term Debt | $74 | $3 | $505 | $0 | $58 |
| Long-term Debt | $6,932 | $15,887 | $13,467 | $12,401 | $11,224 |
| Total Debt | $7,006 | $15,890 | $13,972 | $12,401 | $11,282 |
Cash Flow
USD in millions, except per-share values and percentages.
| Metric | 12/31/2021 | 12/31/2022 | 12/31/2023 | 12/31/2024 | 12/31/2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $2,275 | $4,119 | $2,961 | $2,001 | $2,211 |
| Capital Expenditure | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - |
Ratios
USD in millions, except per-share values and percentages.
| Metric | 12/31/2021 | 12/31/2022 | 12/31/2023 | 12/31/2024 | 12/31/2025 |
|---|---|---|---|---|---|
| Revenue Growth | -3.7% | 20.7% | 2.5% | -5.0% | 5.6% |
| Gross Margin | 38.6% | 39.0% | 33.0% | 33.0% | 35.6% |
| EBITDA Margin | - | - | - | - | - |
| Net Margin | 34.9% | 25.8% | 19.6% | 19.3% | 22.2% |
| FCF Margin | - | - | - | - | - |
| Diluted EPS Growth | 132.4% | -20.5% | -23.7% | -3.2% | 27.4% |
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