Financials in USD. Standardized financial statements.
A compact view of how Citizens Financial Group, Inc. turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $11.15B | $12.35B | $12.19B | $9.07B | $6.99B | $7.68B | $8.07B | $7.35B | $6.45B | $5.76B |
| Revenue Growth? | -9.7% | +1.3% | +34.4% | +29.8% | -9.0% | -4.8% | +9.7% | +13.9% | +12.0% | 0.0% |
| Cost of Revenue? | $3.37B | $5.24B | $4.65B | $1.52B | -$72.00M | $2.39B | $1.97B | $1.55B | $1.07B | $877.00M |
| Gross Profit? | $7.78B | $7.11B | $7.54B | $7.55B | $7.06B | $5.29B | $6.10B | $5.80B | $5.39B | $4.89B |
| Gross Margin? | +69.8% | +57.6% | +61.8% | +83.2% | +101.0% | +68.9% | +75.6% | +78.9% | +83.5% | +84.8% |
| Operating Expenses? | $5.45B | $5.22B | $5.51B | $4.89B | $4.08B | $3.99B | $3.85B | $3.62B | $3.47B | $3.35B |
| Operating Income? | $2.33B | $1.89B | $2.03B | $2.65B | $2.98B | $1.30B | $2.25B | $2.18B | $1.91B | $1.53B |
| EBITDA? | $2.69B | $2.39B | $2.51B | $3.22B | $3.60B | $1.88B | $2.88B | $2.67B | $2.40B | $2.05B |
| Income Before Tax | $2.33B | $1.89B | $2.03B | $2.65B | $2.98B | $1.30B | $2.25B | $2.18B | $1.91B | $1.53B |
| Income Tax Expense | $497.00M | $379.00M | $422.00M | $582.00M | $658.00M | $241.00M | $460.00M | $462.00M | $260.00M | $489.00M |
| Net Income? | $1.83B | $1.51B | $1.61B | $2.07B | $2.32B | $1.06B | $1.79B | $1.72B | $1.65B | $1.04B |
| EPS? | $3.90 | $3.04 | $3.14 | $4.12 | $5.18 | $2.22 | $3.82 | $3.54 | $3.26 | $1.97 |
| Diluted EPS? | $3.86 | $3.03 | $3.13 | $4.10 | $5.16 | $2.22 | $3.81 | $3.52 | $3.25 | $1.97 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality