CITIZENS FINANCIAL GROUP INC/RI (CFG) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	11.6B	11.1B	12.3B	12.2B	9.1B
Cost of Revenue	3.1B	3.4B	5.2B	4.7B	1.5B
Gross Profit	8.5B	7.8B	7.1B	7.5B	7.5B
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	3.5B	3.1B	3.0B	3.0B	2.8B
General & Admin Expense	3.4B	2.9B	2.8B	2.8B	2.6B
Selling & Marketing Expense	124.0M	169.0M	170.0M	187.0M	166.0M
Other Expenses	2.2B	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)	2.9B	2.3B	1.9B	2.0B	2.7B
Non-Operating
Interest Income	10.0B	9.7B	10.2B	10.2B	7.1B
Interest Expense	3.6B	3.8B	4.6B	4.0B	1.0B
Net Interest Income	6.4B	5.9B	5.6B	6.2B	6.0B
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	2.9B	2.3B	1.9B	2.0B	2.7B
Income Tax Expense	618.0M	497.0M	379.0M	422.0M	582.0M
Bottom Line
Net Income	2.3B	1.8B	1.5B	1.6B	2.1B
Earnings from Cont. Ops	2.3B	1.8B	1.5B	1.6B	2.1B
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	2.1B	1.7B	1.4B	1.5B	2.0B
Per Share
Basic EPS	$5.00	$3.90	$3.04	$3.14	$4.12
Diluted EPS	$4.96	$3.86	$3.03	$3.13	$4.10
Revenue Per Share	$27.65	$25.84	$27.40	$25.65	$19.05
Shares
Basic Shares Outstanding	421.1M	431.4M	450.7M	475.1M	476.0M
Diluted Shares Outstanding	425.7M	435.5M	453.5M	476.7M	477.8M
Profitability Metrics
EBITDA	3.2B	2.8B	2.4B	2.5B	3.2B
D&A	324.0M	478.0M	498.0M	478.0M	565.0M
EBIT	2.9B	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 Sep 1, 2026