Citizens Financial Group, Inc.

Citizens Financial Group, Inc.

CFGยทNYSE

$61.53

-1.3%
Financial ServicesBanks - Regional

Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

At a Glance

Live Snapshot
Market Cap$26.02B
EPS3.9000
P/E Ratio15.78
Earnings Date07/16/2026
3Y-46.0%
5Y+1892.0%
10Y+48.0%
3Y-53.0%
5Y-3.0%
10Y-47.0%
3Y-41.0%
5Y-62.0%
10Y-44.0%
CFG

Citizens Financial Group, Inc. Cash Conversion Engine

CFG ยท NYSE
Net Income1.83B
Depreciation & Amortization478.00M
Stock-Based Compensation120.00M
Change in Working Capital-306.00M
Others170.00M
Capital Expenditures-174.00M
Free Cash Flow2.04B

Cash Flow Quality Analysis

FCF Conversion Rate

111.3%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

7.9%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+8.4%

Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.

Working Capital Impact

-$306.00M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Citizens Financial Group, Inc. Cash Flow Statement

CFG โ€ข NYSE

Citizens Financial Group, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011
OPERATING ACTIVITIES
1.8B
1.5B
1.6B
2.1B
2.3B
1.1B
1.8B
1.7B
1.7B
1B
840M
865M
-3.4B
643M
506M
478M
498M
478M
565M
625M
578M
633M
489M
487M
515M
471M
386M
404M
467M
434M
-82M
-177M
-242M
57M
-429M
-238M
64M
97M
-136M
153M
249M
141M
-53M
306M
252M
120M
97M
87M
84M
59M
48M
41M
41M
48M
23M
24M
53M
27M
29M
0.0
170M
645M
757M
2.2B
663M
1.6B
-310M
333M
453M
87M
273M
1M
5.3B
362M
1.1B
(0.0)
(208M)
(375M)
(183M)
(1.2B)
(261M)
(326M)
(241M)
(371M)
(94M)
(157M)
(391M)
(20M)
(201M)
(0.0)
-306M
-571M
273M
-858M
-962M
-3B
-522M
-914M
-621M
-333M
-628M
-56M
429M
-93M
225M
2.2B
2B
3B
4.1B
2.3B
111M
1.7B
1.8B
1.9B
1.5B
1.2B
1.4B
2.6B
1.7B
2.5B
INVESTING ACTIVITIES
(0.0)
-122M
-172M
-126M
-124M
-118M
-126M
-232M
-253M
-138M
-121M
-141M
-160M
-178M
-368M
(0.0)
(0.0)
(0.0)
-255M
-165M
-3M
-129M
-533M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-9.5B
-9.8B
-10.1B
-10.8B
-12.4B
-9.3B
-8.4B
-4.3B
-6.3B
-8.6B
-8B
-9.6B
-11.2B
-5.5B
-13.8B
7.8B
7.6B
5.7B
5.6B
9.6B
8.4B
9.4B
4.8B
6.2B
6.8B
8.4B
6.8B
8.5B
9.6B
11.8B
-4.3B
5.3B
9.8B
-7.1B
-7.4B
-5.2B
-4.6B
-6.8B
-3.6B
-9.4B
-6.2B
-7.4B
429M
-3B
307M
-6B
(3B)
(5.2B)
-12.6B
-10.5B
-6.1B
-3.9B
-7.1B
-4B
-11.3B
-5.9B
-10.3B
-2.5B
(919M)
-2B
FINANCING ACTIVITIES
-607M
-958M
-906M
-153M
-295M
-270M
-1.2B
-1B
-820M
-430M
-500M
-334M
0.0
0.0
0.0
-1.2B
-1.6B
-1.9B
4.8B
-1.5B
-5.7B
-3.1B
2.8B
-2.3B
3.5B
1.6B
7.2B
2.5B
-5.1B
-1.4B
-888M
-903M
-928M
-892M
-783M
-770M
-682M
-485M
-336M
-255M
-221M
-806M
-1.2B
-150M
(0.0)
-1B
-1.4B
-906M
-153M
-295M
-270M
-1.2B
-1B
-820M
-430M
-500M
-334M
(0.0)
(0.0)
(0.0)
8.5B
-2.5B
-3.4B
6.1B
7.2B
21.8B
5.7B
4.5B
4.9B
7.6B
3.4B
3.3B
-1.8B
2B
-227M
5.9B
-6B
-7.1B
9.9B
4.6B
15.4B
1.5B
6.4B
1.4B
10.5B
4.5B
9.4B
-502M
-3.3B
-1.7B
CASH FLOW SUMMARY
2.1B
-1B
1.1B
1.4B
-3.6B
9.3B
-688M
1B
-672M
619M
-191M
519M
-306M
-631M
-1.2B
10.6B
11.6B
10.5B
9.2B
12.7B
3.4B
4.1B
3B
3.7B
3.1B
3.3B
2.8B
3.1B
3.7B
4.9B
12.7B
10.6B
11.6B
10.5B
9.2B
12.7B
3.4B
4.1B
3B
3.7B
3.1B
3.3B
2.8B
3.1B
3.7B
2B
1.9B
2.8B
4B
2.2B
-7M
1.6B
1.5B
1.4B
1.2B
930M
1.1B
2.3B
1.3B
2.1B

SEC Filings

CFG - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

May 04, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 24, 2026
April 23, 2026
2026
8-K

8-K 2026

N/A

April 16, 2026
April 16, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 09, 2026
April 23, 2026
2026
10-K

10-K 2025 FY

FY

February 12, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 29, 2026
January 29, 2026
2026
8-K

8-K 2026

N/A

January 22, 2026
January 22, 2026
2026
8-K

8-K 2026

N/A

January 21, 2026
January 21, 2026
2026
10-Q

10-Q 2025 Q3

Q3

November 03, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 15, 2025
October 15, 2025
2025
Showing 1 to 10 of 294 filings