Citizens Financial Group, Inc. (CFG) Earnings History
Growth Compounder14 years of earnings data (2012–2025) · Consistent double-digit EPS growth over 5 years
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Citizens Financial Group, Inc. (CFG) Earnings Overview
As of June 22, 2026, Citizens Financial Group, Inc. (CFG) reported trailing twelve-month net income of $1.83B, reflecting +27.4% year-over-year growth. The company earned $4.20 per diluted share over the past four quarters, with a net profit margin of 16.4%.
Looking at the long-term picture, CFG'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 ($2.16B 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 (2012–2025)
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% |
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CFG — Frequently Asked Questions
Quick answers to the most common questions about buying CFG stock.
What is CFG earnings per share (EPS)?
CFG trailing twelve-month (TTM) diluted EPS is $4.20, 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) trailing twelve-month net income is $1.8B as of 2025. Earnings grew +27.4% year-over-year. Citizens Financial Group, Inc. has been profitable for 12 consecutive years.
Is CFG profitable?
Yes, CFG is profitable with a TTM net income of $1.8B and a net profit margin of +16.4%. Citizens Financial Group, Inc. has generated profits for 12 consecutive years.
What is CFG's earnings growth rate?
CFG 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'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 growing earnings?
Yes, CFG earnings are accelerating — EPS growth of +27.4% exceeds the 5-year CAGR of +11.7%. TTM net income reached $1.8B. Earnings momentum is strengthening.
What was CFG'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's earnings last quarter?
CFG's most recent reported quarter was Q4 2025. Net income was $528M with diluted EPS of $1.12. For a full breakdown of all quarters, see the quarterly earnings table on this page.