Citizens Financial Group, Inc.CFG

NYSE•Financial Services•Banks - Regional

Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and education and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

Price & Volume

Key Metrics at a Glance (as of December 2025)

Market Cap: $25.67B
TTM Revenue: $11.15B
TTM EBITDA: $2.69B
P/E Ratio: 14.0x
Operating Margin: 31.4%
Free Cash Flow: $-250.00M

Financial Analysis

Citizens Financial Group, Inc. (CFG) reported trailing twelve months (TTM) revenue of $11.15B as of December 2025, which represents a 9.7% decrease year-over-year. The company's operating margin has expanded to 31.4% from 16.8% a year ago. In terms of profitability, CFG generated $1.83B in net income. Valuation-wise, the stock trades at a P/E ratio of 14.0x and a Price-to-Sales (P/S) ratio of 2.3x. The company reported negative free cash flow of $-250.00M over the last twelve months, indicating cash consumption over the period. Data based on the most recent quarterly reports.