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Citizens Financial Group CFG Q2 2025 earnings

Reported July 17, 2025 · Before market open

Revenue$2.0BBeat by $27.4MDiluted EPS$0.92Beat by $0.04
Revenue estimate$2.0B
EPS estimate$0.88

Next report

Jul 16, 2026 (In 6 days)
Revenue estimate$2.3B
EPS estimate$1.25

Financials

Q2 2025

Income statement

See full
Revenue$2.0B+3.8%
Net income$436.0M+11.2%
EPS (diluted)$0.92+17.9%

Balance sheet

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Cash & equivalents$8.5B-27.4%
Total debt$12.8B-2.4%
Total equity$25.2B+5.7%
Total assets$218.31B-0.7%

Cash flow

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Operating cash flow$886.0M+6.2%
CapEx$33.0M+10.0%
Free cash flow$853.0M+6.1%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$18.61B+13.5%
Enterprise value$22.84B+29.0%
P/E11.7×-0.5×
P/S2.4×+0.3×

Profitability

See full
Net margin20.3%+3.3pp
FCF margin14.7%-22.5pp

Returns & leverage

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Return on equity6.5%+0.8pp
Debt / equity0.5×0.0×

Segments

By product

See full
Service charges and fees$111.0M+5.7%
Capital markets fees$95.0M-24.6%
Wealth fees$88.0M+17.3%
Card fees$87.0M-4.4%
Other banking fees$2.0M-60.0%

Versus estimates

Revenue

Q1 2026$2.2BBeat by $4.2MQ4 2025$2.2BBeat by $6.5MQ3 2025$2.1BBeat by $17.9M
Q2 2025$2.0BBeat by $27.4M
Q1 2025$1.9BMiss by $2.0MQ4 2024$2.0BBeat by $15.3M

Diluted EPS

Q1 2026$1.13Beat by $0.03Q4 2025$1.13Beat by $0.03Q3 2025$1.05Beat by $0.02
Q2 2025$0.92Beat by $0.04
Q1 2025$0.77Beat by $0.02Q4 2024$0.85Beat by $0.02

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Questions, answered.

When did Citizens Financial Group report Q2 2025 earnings?
Citizens Financial Group (CFG) reported Q2 2025 earnings on July 17, 2025 before market open.
What were Citizens Financial Group's Q2 2025 revenue and EPS?
Citizens Financial Group reported revenue of $2.0B and diluted EPS of $0.92 for Q2 2025.
Did Citizens Financial Group beat estimates in Q2 2025?
Revenue beat the consensus estimate of $2.0B by $27.4M. EPS beat the consensus estimate of $0.88 by $0.04.
How did Citizens Financial Group's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 4.0% from $2.0B a year earlier and diluted EPS grew 17.9% from $0.78.
Where can I find Citizens Financial Group's Q2 2025 SEC filings?
You can read the 10-Q periodic report (0000759944-25-000108) directly on SEC EDGAR. The filing index links above go to sec.gov.