Citizens Financial Group, Inc. (CFG) Quarterly Income Statement

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Citizens Financial Group, Inc. (CFG) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

CFG Income Statement

Citizens Financial Group, Inc. (CFG) annual income statement — 14-year 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 %	27.95%	-23.16%	29.75%	29.46%	28.11%	28.54%	28.06%	28.02%	26.39%	25.15%	24.43%	24.16%	22.79%	24.03%	23.52%	23.53%	30.27%	34.57%	30.98%	30.14%
Total Net Revenue	2.17B	1.25B	2.12B	2.04B	1.94B	1.98B	1.9B	1.96B	1.96B	1.99B	2.01B	2.09B	2.13B	2.23B	2.18B	1.97B	1.65B	1.72B	1.66B	1.61B
Revenue Growth %	12.04%	-36.84%	11.3%	3.98%	-1.23%	-0.6%	-5.51%	-6.45%	-7.94%	-10.89%	-7.49%	6.4%	29.36%	29.63%	31.22%	22.31%	-0.78%	0.82%	-7.37%	-8.06%
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	63.56%	118.59%	63.03%	64.75%	67.91%	66.09%	66.26%	66.21%	69.32%	81.09%	64.2%	62.37%	60.9%	56.97%	57.01%	64.74%	67.23%	61.71%	60.94%	61.59%
Operating Income	650M	677M	629M	554M	468M	508M	470M	480M	430M	205M	549M	612M	664M	828M	813M	478M	536M	684M	681M	831M
Operating Margin %	29.98%	54.25%	29.7%	27.2%	24.19%	25.71%	24.7%	24.5%	21.95%	10.31%	27.26%	29.23%	31.2%	37.11%	37.34%	24.29%	32.58%	39.74%	41.05%	51.65%
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 %	29.98%	54.25%	29.7%	27.2%	24.19%	25.71%	24.7%	24.5%	21.95%	10.31%	27.26%	29.23%	31.2%	37.11%	37.34%	24.29%	32.58%	39.74%	41.05%	51.65%
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 %	23.85%	42.31%	23.32%	21.4%	19.28%	20.29%	20.07%	20.01%	17.05%	9.51%	21.35%	22.83%	24.01%	29.27%	29.21%	18.5%	25.53%	30.8%	31.95%	40.27%
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