Citizens Financial Group, Inc.
Citizens Financial Group, Inc. (CFG) Financial Performance & Income Statement Overview
View comprehensive annual and quarterly summaries for Citizens Financial Group, Inc. (CFG), featuring income statements, balance sheets, and cash flow data.
Citizens Financial Group, Inc. (CFG) Income Statement & Financial Overview
Access detailed annual and quarterly income data for Citizens Financial Group, Inc. CFG financial performance.
| Metric | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 |
|---|---|---|---|---|
| Revenue | $2.90B | $3.03B | $3.07B | $3.12B |
| Cost of Revenue | $1.11B | $1.21B | $1.34B | $1.35B |
| Gross Profit | $1.78B | $1.81B | $1.73B | $1.78B |
| Gross Profit Ratio | $0.62 | $0.60 | $0.56 | $0.57 |
| R&D Expenses | $0.00 | $0.00 | $0.00 | $0.00 |
| SG&A Expenses | $774.00M | $720.00M | $727.00M | $740.00M |
| Operating Expenses | $1.31B | $1.31B | $1.26B | $1.30B |
| Total Costs & Expenses | $2.43B | $2.52B | $2.60B | $2.64B |
| Interest Income | $2.35B | $2.46B | $2.54B | $2.58B |
| Interest Expense | $961.00M | $1.05B | $1.17B | $1.17B |
| Depreciation & Amortization | $123.00M | $124.00M | $129.00M | $143.00M |
| EBITDA | $591.00M | $632.00M | $599.00M | $623.00M |
| EBITDA Ratio | $0.20 | $0.21 | $0.19 | $0.20 |
| Operating Income | $468.00M | $508.00M | $470.00M | $480.00M |
| Operating Income Ratio | $0.16 | $0.17 | $0.15 | $0.15 |
| Other Income/Expenses (Net) | $0.00 | $0.00 | $0.00 | $0.00 |
| Income Before Tax | $468.00M | $508.00M | $470.00M | $480.00M |
| Income Before Tax Ratio | $0.16 | $0.17 | $0.15 | $0.15 |
| Income Tax Expense | $95.00M | $107.00M | $88.00M | $88.00M |
| Net Income | $373.00M | $401.00M | $382.00M | $392.00M |
| Net Income Ratio | $0.13 | $0.13 | $0.12 | $0.13 |
| EPS | $0.78 | $0.83 | $0.77 | $0.79 |
| Diluted EPS | $0.77 | $0.83 | $0.77 | $0.78 |
| Weighted Avg Shares Outstanding | $438.32M | $440.80M | $446.56M | $454.14M |
| Weighted Avg Shares Outstanding (Diluted) | $442.20M | $444.84M | $449.91M | $456.56M |
The company's financials show resilient growth, with revenue advancing from $3.12B in Q2 2024 to $2.90B in Q1 2025. Gross profit remained healthy with margins at 62% in Q1 2025 compared to 57% in Q2 2024. Operating income hit $468.00M last quarter, sustaining a consistent 16% margin. Changes in R&D and SG&A spending did not hinder EBITDA, which stood at $591.00M. Net income dropped to $373.00M, while earnings per share reached $0.78. Strong cost management and operational efficiency kept profitability intact, underlining the company's stable and competitive market performance.
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