Citizens Financial Group, Inc. (CFG)
NYSE · Financial Services · Banks - Regional
Profile
Citizens Financial Group, Inc.
- Exchange
- NYSE
- Ticker
- CFG
- Sector
- Financial Services
- Industry
- Banks - Regional
- Country
- US
Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive suite of retail and commercial banking solutions across the United States. It serves a broad spectrum of clients, from individual consumers and small enterprises to large corporations and various institutions. Its business is segmented into two primary divisions: Consumer Banking and Commercial Banking. The Consumer Banking division delivers a robust array of products, encompassing deposit accounts, mortgage and home equity lending, credit cards, and business loans for smaller entities. It also provides wealth management, investment services, and specialized financing for areas like auto, education, and point-of-sale purchases, alongside digital deposit solutions. Clients engage with this segment through contact centers and its advanced online and mobile banking platforms. Conversely, the Commercial Banking segment provides sophisticated financial solutions designed for corporate and institutional clients. These include a wide range of lending and leasing products, treasury and deposit management services, foreign exchange, and risk mitigation tools for interest rates and commodities. Additionally, it offers syndicated loans, corporate finance advice, merger and acquisition (M&A) assistance, and capital markets services for debt and equity. Its client roster spans numerous industries, such as government, non-profit, healthcare, technology, professional services, energy (oil and gas), asset and franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance. The company boasts a substantial physical presence, operating approximately 1,200 branches across 14 states and the District of Columbia. Complementing these are 114 non-branch retail and commercial offices in key national markets and a network of roughly 3,300 automated teller machines. Founded in 1828, Citizens Financial Group, Inc. is headquartered in Providence, Rhode Island. It adopted its current name in April 2014, having previously operated as RBS Citizens Financial Group, Inc.
Key facts
Citizens Financial Group, Inc.: key facts
- Citizens Financial Group, Inc. (NYSE: CFG) is a Banks - Regional company in the Financial Services sector.
- In fiscal 2025, Citizens Financial Group, Inc. reported revenue of $11.1B and net income of $1.8B.
- Revenue grew 12.4% a year over the last 4 fiscal years.
- Free cash flow was positive in 5 of the last 5 fiscal years.
- Net income was positive in 5 of the last 5 fiscal years.
- Over the last twelve months, revenue was $11.6B and net income was $2.3B.
MonkScore
Citizens Financial Group, Inc.'s MonkScore
MonkScore
MonkScore range: 0–10
as of October 2026
Sector rank: 805 of 850 in Financial Services
How this score is madeDisclaimer
Pillar ranges
- Growth0–10
- Profitability10–20
- Quality40–50
- Market Conviction20–30
- Safety0–10
The MonkScore runs from 0 to 100. Each range is one of ten 10-point groups, from 0–10 to 90–100.
Each pillar's range uses the same ten groups. The exact score and the pillar scores are in the MonkStreet app.
Fundamentals
Figures from the statements
Citizens Financial Group, Inc.'s annual figures and the last twelve months, in USD. Last report: 30 September 2026.
| Figure | Last 12 months | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Revenue | $11.6B | $11.1B | $12.3B | $12.2B | $9.1B | $7.0B |
| Gross profit | $8.5B | $7.8B | $7.1B | $7.5B | $7.5B | $7.1B |
| Operating income | $2.9B | $2.3B | $1.9B | $2.0B | $2.7B | $3.0B |
| Net income | $2.3B | $1.8B | $1.5B | $1.6B | $2.1B | $2.3B |
| Operating cash flow | $1.3B | $2.2B | $2.0B | $3.0B | $4.1B | $2.3B |
| Capital expenditure | -$165.0M | -$174.0M | -$122.0M | -$172.0M | -$126.0M | -$124.0M |
| Free cash flow | $1.1B | $2.0B | $1.9B | $2.8B | $4.0B | $2.2B |
| Total debt | $17.8B | $11.3B | $12.4B | $14.0B | $15.9B | $7.0B |
| Cash | $13.6B | $12.7B | $11.2B | $12.0B | $10.9B | $9.5B |
Revenue growth a year
- 1-year
- -9.7%
- 3-year
- 7.1%
- 4-year
- 12.4%
Compound growth between fiscal years.
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Page built on 31 October 2026.