Citizens Financial Group, Inc. (CFG-PH) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 1.56B | 1.54B | 1.49B | 1.44B | 1.39B | 1.41B | 1.37B | 1.41B | 1.44B | 1.49B | 1.52B | 1.59B | 1.64B | 1.7B | 1.67B | 1.5B | 1.15B | 1.13B | 1.15B | 1.12B |
| NII Growth % | 12.29% | 8.85% | 8.69% | 1.91% | -3.54% | -5.11% | -10.05% | -11.21% | -12.23% | -12.21% | -8.59% | 5.51% | 43.24% | 50.53% | 45.41% | 33.9% | 2.69% | -0.27% | 0.7% | -3.1% |
| Net Interest Margin % | 0.69% | 0.68% | 0.67% | 0.66% | 0.63% | 0.65% | 0.62% | 0.64% | 0.65% | 0.67% | 0.68% | 0.71% | 0.74% | 0.75% | 0.74% | 0.66% | 0.6% | 0.6% | 0.61% | 0.61% |
| Interest Income | 2.42B | 2.45B | 2.46B | 2.41B | 2.35B | 2.46B | 2.54B | 2.58B | 2.61B | 2.68B | 2.6B | 2.53B | 2.4B | 2.25B | 1.97B | 1.63B | 1.21B | 1.2B | 1.22B | 1.21B |
| Interest Expense | 858M | 909M | 970M | 970M | 961M | 1.05B | 1.17B | 1.17B | 1.17B | 1.19B | 1.07B | 943M | 759M | 557M | 304M | 121M | 66M | 76M | 77M | 87M |
| Loan Loss Provision | 140M | -909M | 154M | 164M | 153M | 162M | 172M | 182M | 171M | 171M | 172M | 176M | 168M | 132M | 123M | 216M | 3M | -25M | -33M | -213M |
| Non-Interest Income | 606M | -289M | 630M | 600M | 544M | 564M | 534M | 549M | 517M | 500M | 492M | 506M | 485M | 536M | 512M | 463M | 498M | 595M | 514M | 485M |
| Non-Interest Income % | 20.03% | -13.4% | 20.4% | 19.95% | 18.78% | 18.64% | 17.38% | 17.57% | 16.53% | 15.74% | 15.94% | 16.66% | 16.8% | 19.23% | 20.64% | 22.16% | 29.11% | 33.11% | 29.61% | 28.6% |
| Total Revenue | 3.03B | 2.16B | 3.09B | 3.01B | 2.9B | 3.03B | 3.07B | 3.12B | 3.13B | 3.18B | 3.09B | 3.04B | 2.89B | 2.79B | 2.48B | 2.09B | 1.71B | 1.8B | 1.74B | 1.7B |
| Revenue Growth % | 4.49% | -28.72% | 0.49% | -3.75% | -7.39% | -4.72% | -0.45% | 2.86% | 8.31% | 13.92% | 24.43% | 45.38% | 68.73% | 55.15% | 42.91% | 23.17% | -2.62% | -1.64% | -10.24% | -12.58% |
| Non-Interest Expense | 1.38B | 1.48B | 1.33B | 1.32B | 1.31B | 1.31B | 1.26B | 1.3B | 1.36B | 1.61B | 1.29B | 1.31B | 1.3B | 1.27B | 1.24B | 1.27B | 1.11B | 1.06B | 1.01B | 991M |
| Efficiency Ratio | 45.54% | 68.61% | 43.23% | 43.86% | 45.37% | 43.16% | 41.03% | 41.52% | 43.43% | 50.76% | 41.89% | 43% | 44.89% | 45.59% | 50.02% | 60.99% | 64.64% | 59.1% | 58.24% | 58.43% |
| Operating Income | 650M | 677M | 629M | 554M | 468M | 508M | 470M | 480M | 430M | 205M | 549M | 612M | 664M | 828M | 813M | 478M | 536M | 684M | 681M | 831M |
| Operating Margin % | 21.48% | 31.39% | 20.37% | 18.42% | 16.16% | 16.79% | 15.29% | 15.36% | 13.75% | 6.45% | 17.78% | 20.15% | 23% | 29.7% | 32.77% | 22.88% | 31.33% | 38.06% | 39.23% | 49% |
| Operating Income Growth % | 38.89% | 33.27% | 33.83% | 15.42% | 8.84% | 147.8% | -14.39% | -21.57% | -35.24% | -75.24% | -32.47% | 28.03% | 23.88% | 21.05% | 19.38% | -42.48% | -31.37% | 19.79% | 81.6% | 170.68% |
| Pretax Income | 650M | 677M | 629M | 554M | 468M | 508M | 470M | 480M | 430M | 205M | 549M | 612M | 664M | 828M | 813M | 478M | 536M | 684M | 681M | 831M |
| Pretax Margin % | 21.48% | 31.39% | 20.37% | 18.42% | 16.16% | 16.79% | 15.29% | 15.36% | 13.75% | 6.45% | 17.78% | 20.15% | 23% | 29.7% | 32.77% | 22.88% | 31.33% | 38.06% | 39.23% | 49% |
| Income Tax | 133M | 149M | 135M | 118M | 95M | 107M | 88M | 88M | 96M | 16M | 119M | 134M | 153M | 175M | 177M | 114M | 116M | 154M | 151M | 183M |
| Effective Tax Rate % | 20.46% | 22.01% | 21.46% | 21.3% | 20.3% | 21.06% | 18.72% | 18.33% | 22.33% | 7.8% | 21.68% | 21.9% | 23.04% | 21.14% | 21.77% | 23.85% | 21.64% | 22.51% | 22.17% | 22.02% |
| Net Income | 517M | 528M | 494M | 436M | 373M | 401M | 382M | 392M | 334M | 189M | 430M | 478M | 511M | 653M | 636M | 364M | 420M | 530M | 530M | 648M |
| Net Margin % | 17.09% | 24.48% | 16% | 14.5% | 12.88% | 13.25% | 12.43% | 12.55% | 10.68% | 5.95% | 13.93% | 15.74% | 17.7% | 23.42% | 25.63% | 17.42% | 24.55% | 29.49% | 30.53% | 38.21% |
| Net Income Growth % | 38.61% | 31.67% | 29.32% | 11.22% | 11.68% | 112.17% | -11.16% | -17.99% | -34.64% | -71.06% | -32.39% | 31.32% | 21.67% | 23.21% | 20% | -43.83% | -31.26% | 16.23% | 68.79% | 156.13% |
| Net Income (Continuing) | 517M | 528M | 494M | 436M | 373M | 401M | 382M | 392M | 334M | 189M | 430M | 478M | 511M | 653M | 636M | 364M | 420M | 530M | 530M | 648M |
| EPS (Diluted) | 1.13 | 1.12 | 1.05 | 0.92 | 0.77 | 0.83 | 0.76 | 0.78 | 0.66 | 0.34 | 0.85 | 0.92 | 1.00 | 1.25 | 1.23 | 0.67 | 0.93 | 1.17 | 1.18 | 1.44 |
| EPS Growth % | 46.75% | 34.94% | 38.16% | 17.95% | 16.67% | 144.12% | -10.59% | -15.22% | -34% | -72.8% | -30.89% | 37.31% | 7.53% | 6.84% | 4.24% | -53.47% | -32.12% | 18.18% | 73.53% | 171.7% |
| EPS (Basic) | 1.14 | 1.13 | 1.06 | 0.93 | 0.78 | 0.83 | 0.77 | 0.79 | 0.66 | 0.34 | 0.85 | 0.93 | 1.00 | 1.26 | 1.23 | 0.68 | 0.94 | 1.17 | 1.18 | 1.45 |
| Diluted Shares Outstanding | 429.89M | 435.47M | 435.47M | 436.54M | 442.2M | 444.84M | 449.91M | 456.56M | 463.8M | 468.16M | 471.18M | 480.98M | 487.71M | 495.48M | 497.48M | 493.3M | 424.67M | 426.87M | 427.84M | 427.56M |