Citizens Financial Group, Inc. (CFG) Earnings History
Annual and quarterly earnings data from 2012 to 2024
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CFG EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CFG Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 57.6% | 15.3% | 12.2% |
| 2023 | 61.8% | 16.7% | 13.2% |
| 2022 | 83.2% | 29.3% | 22.9% |
| 2021 | 101.0% | 42.6% | 33.2% |
| 2020 | 68.9% | 16.9% | 13.8% |
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Citizens Financial Group, Inc. (CFG) Earnings Overview
As of May 8, 2026, Citizens Financial Group, Inc. (CFG) reported trailing twelve-month net income of $1.70B, reflecting -3.2% year-over-year growth. The company earned $3.91 per diluted share over the past four quarters, with a net profit margin of 12.2%.
Looking at the long-term picture, CFG's 5-year EPS compound annual growth rate (CAGR) stands at -4.5%, signaling declining earnings. The company achieved its highest annual net income of $2.32B in fiscal 2021.
Citizens Financial Group, Inc. maintains positive profitability with a gross margin of 57.6%, operating margin of 15.3%, and net margin of 12.2%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including RF ($2.16B net income, 22.4% margin), HBAN ($2.21B net income, 17.7% margin), KEY ($1.83B net income, 16.3% margin), CFG has room to improve margins relative to the peer group. Compare CFG vs RF →
CFG Earnings vs Peers
Earnings metrics vs comparable public companies
CFG Historical Earnings Data (2012–2024)
13 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 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% |
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Start ComparisonCFG — Frequently Asked Questions
Quick answers to the most common questions about buying CFG stock.
Is CFG growing earnings?
CFG EPS of $3.91 reflects slowing growth at -3.2%, below the 5-year CAGR of -4.5%. TTM net income is $1.7B. Expansion rate has moderated.
What are CFG's profit margins?
Citizens Financial Group, Inc. net margin is +12.2%, with operating margin at +15.3%. Margins sit within typical range for the sector.
How consistent are CFG's earnings?
CFG earnings data spans 2012-2024. The current earnings trend is -3.2% YoY. Historical data enables comparison across business cycles.