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Citizens Financial Group CFG Q4 2025 Annual earnings

Reported January 21, 2026 · Before market open

Revenue$2.2BBeat by $6.5M
EPS$1.13Beat by $0.03
Revenue estimate$2.2B
EPS estimate$1.10

Next report

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

Financials

Q4 2025

Income statement

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Revenue$2.2B+8.6%
Net income$528.0M+31.7%
EPS (diluted)$1.12+34.9%

Balance sheet

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Cash & equivalents$12.7B+20.1%
Total debt$12.3B-7.7%
Total equity$26.3B+8.5%
Total assets$226.35B+4.1%

Cash flow

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Operating cash flow--100%
CapEx$92.0M+91.7%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$25.09B+30.1%
Enterprise value$24.68B+12.0%
P/E13.7×+0.9×
P/S3×+0.6×

Profitability

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Net margin22.2%+2.9pp

Returns & leverage

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Return on equity7.2%+1.0pp
Debt / equity0.5×-0.1×

Segments

By product

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Capital markets fees$137.0M+19.1%
Service charges and fees$112.0M+4.7%
Wealth fees$98.0M+30.7%
Card fees$83.0M-13.5%
Other banking fees$3.0M-25.0%

By segment

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Consumer Banking$1.6B+7.2%
Commercial Banking$712.0M+2.3%

FAQ

When did Citizens Financial Group report Q4 2025 earnings?
Citizens Financial Group (CFG) reported Q4 2025 earnings on January 21, 2026 before market open.
What were Citizens Financial Group's Q4 2025 revenue and EPS?
Citizens Financial Group reported revenue of $2.2B and eps of $1.13 for Q4 2025.
Did Citizens Financial Group beat estimates in Q4 2025?
Revenue beat the consensus estimate of $2.2B by $6.5M. EPS beat the consensus estimate of $1.10 by $0.03.
How did Citizens Financial Group's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 9.2% from $2.0B a year earlier and eps grew 32.9% from $0.85.
Where can I find Citizens Financial Group's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000759944-26-000017) and the 10-K periodic report (0000759944-26-000028) directly on SEC EDGAR. The filing index links above go to sec.gov.