Citizens Financial Group (CFG)
Regional bank pairing broad consumer banking with private wealth and corporate finance.
$65.19
vs last close−0.30 (−0.46%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,087 | 3,176 | 3,127 | 3,124 | 3,073 | 3,026 | 2,896 | 3,007 | 3,088 | 2,157 | 3,026 | 3,195 |
| Cost of revenue | 1,245 | 1,359 | 1,339 | 1,347 | 1,342 | 1,212 | 1,114 | 1,134 | 1,124 | 0 | 998 | 1,046 |
| Gross profit | 1,842 | 1,817 | 1,788 | 1,777 | 1,731 | 1,814 | 1,782 | 1,873 | 1,964 | 2,157 | 2,028 | 2,149 |
| 1,293 | 1,612 | 1,358 | 1,297 | 1,261 | 1,306 | 1,314 | 1,319 | 1,335 | 1,480 | 1,378 | 1,394 | |
| 749 | 981 | 802 | 740 | 727 | 720 | 774 | 764 | 781 | 777 | 829 | 826 | |
| Selling & marketing | 48 | 45 | 35 | 49 | 40 | 46 | 40 | 45 | 44 | 40 | 41 | 43 |
| General & administrative | 701 | 936 | 767 | 691 | 687 | 674 | 734 | 719 | 737 | 737 | 788 | 783 |
| Other expenses | 544 | 631 | 556 | 557 | 534 | 586 | 540 | 555 | 554 | 703 | 549 | 568 |
| Operating income | 549 | 205 | 430 | 480 | 470 | 508 | 468 | 554 | 629 | 677 | 650 | 755 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest income | 2,595 | 2,676 | 2,610 | 2,575 | 2,539 | 2,462 | 2,352 | 2,407 | 2,458 | 2,446 | 2,420 | 2,543 |
| Interest expense | 1,073 | 1,188 | 1,168 | 1,165 | 1,170 | 1,050 | 961 | 970 | 970 | 909 | 858 | 912 |
| Income before tax | 549 | 205 | 430 | 480 | 470 | 508 | 468 | 554 | 629 | 677 | 650 | 755 |
| Income tax expense | 119 | 16 | 96 | 88 | 88 | 107 | 95 | 118 | 135 | 149 | 133 | 168 |
| Net income from continuing operations | 430 | 189 | 334 | 392 | 382 | 401 | 373 | 436 | 494 | 528 | 517 | 587 |
| Net income | 430 | 189 | 334 | 392 | 382 | 401 | 373 | 436 | 494 | 528 | 517 | 587 |
| EPS, basic | $0.85 | $0.34 | $0.66 | $0.79 | $0.77 | $0.83 | $0.78 | $0.93 | $1.06 | $1.13 | $1.14 | $1.31 |
| EPS, diluted | $0.85 | $0.34 | $0.66 | $0.78 | $0.76 | $0.83 | $0.77 | $0.92 | $1.05 | $1.12 | $1.13 | $1.30 |
| Weighted average shares, basic | 469 | 466 | 461 | 454 | 447 | 441 | 438 | 434 | 431 | 431 | 425 | 423 |
| Weighted average shares, diluted | 471 | 468 | 464 | 457 | 450 | 445 | 442 | 437 | 435 | 435 | 430 | 427 |
| EBITDA | 671 | 331 | 532 | 623 | 599 | 632 | 591 | 678 | 748 | 789 | 763 | 854 |
| Depreciation & amortization | 122 | 126 | 102 | 143 | 129 | 124 | 123 | 124 | 119 | 112 | 113 | 99 |
| EBIT | 549 | 205 | 430 | 480 | 470 | 508 | 468 | 554 | 629 | 677 | 650 | 755 |