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Citizens Financial Group CFG Q3 2025 earnings

Reported October 15, 2025 · Before market open

Revenue$2.1BBeat by $17.9MDiluted EPS$1.05Beat by $0.02
Revenue estimate$2.1B
EPS estimate$1.03

Next report

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

Financials

Q3 2025

Income statement

See full
Revenue$2.1B+11.4%
Net income$494.0M+29.3%
EPS (diluted)$1.05+36.4%

Balance sheet

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Cash & equivalents$11.7B+6.7%
Total debt$10.7B-23.7%
Total equity$25.8B+3.6%
Total assets$222.75B+1.4%

Cash flow

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Operating cash flow$1.7B+1,205%
CapEx$35.0M+2.9%
Free cash flow$1.7B+1,630%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$22.93B+24.5%
Enterprise value$21.94B+2.2%
P/E13.5×-0.7×
P/S2.8×+0.5×

Profitability

See full
Net margin21.1%+4.5pp
FCF margin33.7%+7.3pp

Returns & leverage

See full
Return on equity6.7%+1.3pp
Debt / equity0.4×-0.1×

Segments

By product

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Capital markets fees$158.0M+79.5%
Service charges and fees$111.0M+1.8%
Wealth fees$93.0M+22.4%
Card fees$85.0M-6.6%
Other banking fees$5.0M+66.7%

Versus estimates

Revenue

Q1 2026$2.2BBeat by $4.2MQ4 2025$2.2BBeat by $6.5M
Q3 2025$2.1BBeat by $17.9M
Q2 2025$2.0BBeat by $27.4MQ1 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 $0.03
Q3 2025$1.05Beat by $0.02
Q2 2025$0.92Beat by $0.04Q1 2025$0.77Beat by $0.02Q4 2024$0.85Beat by $0.02

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Questions, answered.

When did Citizens Financial Group report Q3 2025 earnings?
Citizens Financial Group (CFG) reported Q3 2025 earnings on October 15, 2025 before market open.
What were Citizens Financial Group's Q3 2025 revenue and EPS?
Citizens Financial Group reported revenue of $2.1B and diluted EPS of $1.05 for Q3 2025.
Did Citizens Financial Group beat estimates in Q3 2025?
Revenue beat the consensus estimate of $2.1B by $17.9M. EPS beat the consensus estimate of $1.03 by $0.02.
How did Citizens Financial Group's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 11.3% from $1.9B a year earlier and diluted EPS grew 36.4% from $0.77.
Where can I find Citizens Financial Group's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0000759944-25-000153) directly on SEC EDGAR. The filing index links above go to sec.gov.