Citizens Financial Group, Inc.
Profit after direct costs
Core business profitability
Bottom line profitability
Top line growth rate
Flow of revenue through cost categories to net income
| Item | Trend | 2021 | 2022 | 2023 | 2024 | 2025 | YoY Change |
|---|---|---|---|---|---|---|---|
Total Revenue | 6.99B | 9.07B | 12.19B | 12.35B | 11.15B | -9.7% | |
| Cost of Revenue | (72.00M) | (1.52B) | (4.65B) | (5.24B) | (3.37B) | -35.6% | |
Gross Profit | 7.06B | 7.55B | 7.54B | 7.11B | 7.78B | 9.4% | |
| Operating Expenses | |||||||
| Research & Development | — | — | — | — | — | — | |
| Selling, General & Administrative | (2.31B) | (2.81B) | (2.95B) | (2.99B) | (3.10B) | 3.6% | |
| General & Administrative | (2.20B) | (2.65B) | (2.76B) | (2.82B) | (2.93B) | 3.8% | |
| Selling & Marketing | (111.00M) | (166.00M) | (187.00M) | (170.00M) | (169.00M) | -0.6% | |
| Depreciation & Amortization | (625.00M) | (565.00M) | (478.00M) | (498.00M) | (366.00M) | -26.5% | |
Operating Income (EBIT) | 2.98B | 2.65B | 2.03B | 1.89B | 2.33B | 23.3% | |
| Non-Operating Items | |||||||
| Interest Income | 4.85B | 7.06B | 10.20B | 10.19B | 9.66B | -5.1% | |
| Interest Expense | (339.00M) | (1.05B) | (3.96B) | (4.55B) | (3.81B) | -16.3% | |
| Other Income/Expenses (Net) | — | — | — | — | — | — | |
Income Before Tax | 2.98B | 2.65B | 2.03B | 1.89B | 2.33B | 23.3% | |
| Income Tax Expense | (658.00M) | (582.00M) | (422.00M) | (379.00M) | (497.00M) | 31.1% | |
Net Income | 2.32B | 2.07B | 1.61B | 1.51B | 1.83B | 21.3% | |
| Per Share Metrics | |||||||
| Earnings Per Share (Basic) | $5 | $4 | $3 | $3 | $4 | 28.3% | |
| Weighted Avg Shares Outstanding | 425.67M | 475.96M | 475.09M | 450.68M | 431.37M | -4.3% | |
| Weighted Avg Shares Outstanding (Diluted) | 427.44M | 477.80M | 476.69M | 453.51M | 435.47M | -4.0% | |
EBITDA | 3.60B | 3.22B | 2.51B | 2.39B | 2.69B | 12.9% |
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Large Cap