Citizens Financial Group, Inc. (CFG-PH) Earnings History
Growth Compounder14 years of earnings data (2012–2025) · Consistent double-digit EPS growth over 5 years
Loading earnings history...
Citizens Financial Group, Inc. (CFG-PH) Earnings Overview
As of June 30, 2026, Citizens Financial Group, Inc. (CFG-PH) reported trailing twelve-month net income of $1.98B, reflecting +27.4% year-over-year growth. The company earned $4.59 per diluted share over the past four quarters, with a net profit margin of 16.4%.
Looking at the long-term picture, CFG-PH's 5-year EPS compound annual growth rate (CAGR) stands at +11.7%, showing solid earnings momentum. The company achieved its highest annual net income of $2.32B in fiscal 2021.
Citizens Financial Group, Inc. maintains industry-leading profitability with a gross margin of 69.8%, operating margin of 20.9%, and net margin of 16.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including RF ($2.23B net income, 22.4% margin), HBAN ($2.21B net income, 17.7% margin), KEY ($1.95B net income, 16.3% margin), CFG-PH has room to improve margins relative to the peer group. Compare CFG-PH vs RF →
CFG-PH Earnings vs Peers
Earnings metrics vs comparable public companies
CFG-PH Historical Earnings Data (2012–2025)
14 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $1.83B | +21.3% | $2.33B | $3.86 | 16.4% | 20.9% |
| 2024 | $1.51B | -6.2% | $1.89B | $3.03 | 12.2% | 15.3% |
| 2023 | $1.61B | -22.4% | $2.03B | $3.13 | 13.2% | 16.7% |
| 2022 | $2.07B | -10.6% | $2.65B | $4.10 | 22.9% | 29.3% |
| 2021 | $2.32B | +119.4% | $2.98B | $5.16 | 33.2% | 42.6% |
| 2020 | $1.06B | -41.0% | $1.30B | $2.22 | 13.8% | 16.9% |
| 2019 | $1.79B | +4.1% | $2.25B | $3.81 | 22.2% | 27.9% |
| 2018 | $1.72B | +4.2% | $2.18B | $3.52 | 23.4% | 29.7% |
| 2017 | $1.65B | +58.1% | $1.91B | $3.25 | 25.6% | 29.6% |
| 2016 | $1.04B | +24.4% | $1.53B | $1.97 | 18.1% | 26.6% |
| 2015 | $840M | -2.9% | $1.26B | $1.55 | 15.9% | 23.9% |
| 2014 | $865M | +125.2% | $1.27B | $1.55 | 17.1% | 25.1% |
| 2013 | -$3.43B | -632.8% | -$3.47B | $-6.12 | -66.7% | -67.6% |
| 2012 | $643M | - | $1.02B | $1.15 | 11.7% | 18.6% |
Download Data
Export CFG-PH earnings history in CSV or JSON format
Free sign-in required to download data
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
14+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
CFG-PH — Frequently Asked Questions
Quick answers to the most common questions about buying CFG-PH stock.
What is CFG-PH earnings per share (EPS)?
CFG-PH trailing twelve-month (TTM) diluted EPS is $4.59, reflecting +27.4% year-over-year growth. The 5-year EPS CAGR is +11.7%. Complete EPS history from 2012 to 2025 is available in the table on this page.
What is Citizens Financial Group, Inc.'s net income?
Citizens Financial Group, Inc. (CFG-PH) trailing twelve-month net income is $2.0B as of 2025. Earnings grew +27.4% year-over-year. Citizens Financial Group, Inc. has been profitable for 12 consecutive years.
Is CFG-PH profitable?
Yes, CFG-PH is profitable with a TTM net income of $2.0B and a net profit margin of +16.4%. Citizens Financial Group, Inc. has generated profits for 12 consecutive years.
What is CFG-PH's earnings growth rate?
CFG-PH compound annual EPS growth rates (CAGR): 1-Year: +27.4%, 3-Year: -2.0%, 5-Year: +11.7%, 10-Year: +9.6%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2012 to 2025.
What are CFG-PH's profit margins?
Citizens Financial Group, Inc. net profit margin is +16.4%, operating margin is +20.9%, and gross margin is +69.8%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +7.2%.
Is CFG-PH growing earnings?
Yes, CFG-PH earnings are accelerating — EPS growth of +27.4% exceeds the 5-year CAGR of +11.7%. TTM net income reached $2.0B. Earnings momentum is strengthening.
What was CFG-PH's best earnings year?
Citizens Financial Group, Inc.'s highest annual net income on record is $2.3B, achieved in fiscal year 2021. Earnings history on this page spans 2012 to 2025 and includes all annual and quarterly figures.
What were CFG-PH's earnings last quarter?
CFG-PH's most recent reported quarter was Q1 2026. Net income was $517M with diluted EPS of $1.13. For a full breakdown of all quarters, see the quarterly earnings table on this page.