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Citizens Financial Group CFG Free cash flow margin

Free cash flow margin at other companies

First Citizens BancShares logo
First Citizens BancSharesFCNCA
23.5%+0.8pp
M&T Bank logo
M&T BankMTB
32.2%-5.2pp
Huntington Bancshares logo
Huntington BancsharesHBAN
24.4%+0.6pp
Fifth Third Bank logo
Fifth Third BankFITB
16.1%
KeyCorp logo
KeyCorpKEY
28.4%
Capital One Financial logo
Capital One FinancialCOF
46.5%-0.1pp

Other financials

Income statement

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Revenue$2.2B+12.0%
Net income$517.0M+38.6%
EPS (diluted)$1.13+46.8%

Balance sheet

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Cash & equivalents$12.3B+6.8%
Total debt$12.3B
Total equity$26.2B+5.3%
Total assets$227.92B+3.5%

Cash flow

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Operating cash flow$237.0M+211%
CapEx--100%
Free cash flow$237.0M+204%

Valuation

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Market cap$28.24B+42.3%
Enterprise value$28.22B+36.3%
P/E14.3×+1.5×
P/S3.3×+0.8×

Profitability

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Net margin23.3%+3.4pp

Returns & leverage

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Return on equity7.7%+1.4pp
Debt / equity0.5×0.0×

Where this comes from

Calculated from Citizens Financial Group’s reported figures.

Based on trailing twelve months.

The official record: Citizens Financial Group’s 10-Q, filed November 3, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Financial Group's free cash flow margin?
Citizens Financial Group (CFG) reported free cash flow margin of 33.7% in Q3 2025.
How has Citizens Financial Group's free cash flow margin changed year-over-year?
Citizens Financial Group's free cash flow margin increased by 27.4% year-over-year, from 26.4% to 33.7%.
What is the long-term trend for Citizens Financial Group's free cash flow margin?
Over 2 years (2022 to 2024), Citizens Financial Group's free cash flow margin has grown at a -22.1% compound annual growth rate (CAGR), from 190.1% to 115.5%.
What does free cash flow margin mean?
How much real, spendable cash each sales dollar generates after reinvestment.
How do you interpret free cash flow margin?
A high and rising FCF margin is the hallmark of a cash-generative business. Persistent gaps between net margin and FCF margin warrant a look at working capital or capital intensity.
How does free cash flow margin compare across companies?
Strong cross-company quality signal; capital-light compounders post structurally higher FCF margins than asset-heavy peers.