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Citizens Financial Group CFG Q2 2025 earnings

Reported July 17, 2025 · Before market open

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

Next report

Oct 16, 2026 (in 2 months)
Revenue estimate$2.3B
EPS estimate$1.40

Financials

Q2 2025

Income statement

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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

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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

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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%

FAQ

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 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 eps grew 17.9% from $0.78.
Where can I find Citizens Financial Group's Q2 2025 SEC filings?
You can read the 8-K earnings release (0000759944-25-000099) and the 10-Q periodic report (0000759944-25-000108) directly on SEC EDGAR. The filing index links above go to sec.gov.