Citizens Financial Group, Inc. (CFG) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	11.5B	11.1B	12.3B	12.2B	9.1B
Cost of Revenue	3.2B	3.4B	5.2B	4.7B	1.5B
Gross Profit	8.3B	7.8B	7.1B	7.5B	7.5B
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	3.2B	3.1B	3.0B	3.0B	2.8B
General & Admin Expense	3.0B	2.9B	2.8B	2.8B	2.6B
Selling & Marketing Expense	168.0M	169.0M	170.0M	187.0M	166.0M
Other Expenses	2.4B	2.4B	2.2B	2.6B	2.1B
Total Operating Expenses	5.6B	5.4B	5.2B	5.5B	4.9B
Cost and Expenses	8.8B	8.8B	10.5B	10.2B	6.4B
Operating Income (EBIT)	2.7B	2.3B	1.9B	2.0B	2.7B
Non-Operating
Interest Income	9.9B	9.7B	10.2B	10.2B	7.1B
Interest Expense	3.6B	3.8B	4.6B	4.0B	1.0B
Net Interest Income	6.2B	5.9B	5.6B	6.2B	6.0B
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	2.7B	2.3B	1.9B	2.0B	2.7B
Income Tax Expense	585.0M	497.0M	379.0M	422.0M	582.0M
Bottom Line
Net Income	2.1B	1.8B	1.5B	1.6B	2.1B
Earnings from Cont. Ops	2.1B	1.8B	1.5B	1.6B	2.1B
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	2.0B	1.7B	1.4B	1.5B	2.0B
Per Share
Basic EPS	$4.64	$3.90	$3.04	$3.14	$4.12
Diluted EPS	$4.60	$3.86	$3.03	$3.13	$4.10
Revenue Per Share	$27.11	$25.84	$27.40	$25.65	$19.05
Shares
Basic Shares Outstanding	422.9M	431.4M	450.7M	475.1M	476.0M
Diluted Shares Outstanding	426.7M	435.5M	453.5M	476.7M	477.8M
Profitability Metrics
EBITDA	3.2B	2.7B	2.4B	2.5B	3.2B
D&A	443.0M	366.0M	498.0M	478.0M	565.0M
EBIT	2.7B	2.3B	1.9B	2.0B	2.7B

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026