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CITIZENS FINANCIAL GROUP INC/RI

LISTEDNYSE

SYMBOLCFG

SIC6022

STATE OF INC.DE

FISCAL YEAR ENDSDecember 31

CIK759944

STATE COMMERCIAL BANKS · LARGE ACCELERATED FILER · 10 FISCAL YEARS OF SEC XBRL DATA, 2016–2025

Fiscal years labelled by the calendar year in which they end. Bars in $ billions; per-share figures as reported.

CAPITALIZATION 12/31/25

($ millions)	Amount	%
Total debt	11,282	30.0
Stockholders' equity	26,317	70.0
Total capitalization	37,599	100.0

421,176,788 shares outstanding at 24 July 2026 (cover page of the 10-Q filed 3 August 2026).

LONG-TERM DEBT 12/31/25

($ millions)	Amount
Long-term debt, incl. current maturities	11,224
Short-term borrowings / commercial paper	58

CAPITAL STOCK 12/31/25

Common shares authorized	1,000,000,000
Common shares issued	652,238,745
Treasury shares	222,996,571
Par or stated value per share ($)	0.01
Preferred stock ($ millions)	2,111
Outstanding at 7/24/26	421,176,788

DIVIDENDS DECLARED/PAID

Fiscal year	Per share $	Payout %
2025	1.72	44.6
2024	1.68	55.4
2023	1.68	53.7
2022	1.62	39.5
2021	1.56	30.2

HISTORY AND BUSINESS

HISTORY: Incorporated in Delaware. Formerly known as CITIZENS FINANCIAL GROUP INC/DE (to 8 February 2000).

BUSINESS: Classified by the SEC under Standard Industrial Classification 6022, State Commercial Banks. Large accelerated filer. Principal executive office: 1 Citizens Plaza, Providence, RI 02903. Fiscal year ends December 31. Deposits at 12/31/25: $183,313 million. For a description of the business, see Item 1 of the latest 10-K.

CONSOLIDATED INCOME ACCOUNT, YEARS ENDED

($ millions)	12/31/25	12/31/24	12/31/23
Total interest income	9,663	10,186	10,204
Total interest expense	3,810	4,553	3,963
Net interest income	5,853	5,633	6,241
Noninterest income	2,394	2,176	1,983
Noninterest expense	5,311	5,234	5,507
Total net revenue	8,247	7,809	8,224
Income before income taxes	2,328	1,888	2,030
Income taxes	497	379	422
Net income	1,831	1,509	1,608
Earned per share, diluted ($)	3.86	3.03	3.13
Dividends per share ($)	1.72	1.68	1.68

CONSOLIDATED STATEMENT OF CONDITION

($ millions)	12/31/25	12/31/24
Cash and due from banks	1,464	1,409
Interest-bearing deposits with banks	961	635
Loans	142,692	139,203
Allowance for credit losses	1,943	2,061
Total assets	226,351	217,521
Deposits	183,313	174,776
Short-term borrowings	58	0
Long-term debt	11,224	12,401
Total liabilities	200,034	193,267
Stockholders' equity	26,317	24,254

TEN-YEAR STATISTICS: FISCAL YEARS ($ millions except per share)

Fiscal year ended	Revenues	Oper. income	Net income	Net margin %	EPS diluted $	Div. per share $	Oper. cash flow	Total assets	Total liabilities	Total debt	Deposits	Stockholders' equity	ROE %	Debt / equity
12/31/25	8,247	–	1,831	22.2	3.86	1.72	2,211	226,351	200,034	11,282	183,313	26,317	7.0	0.43
12/31/24	7,809	–	1,509	19.3	3.03	1.68	2,001	217,521	193,267	12,401	174,776	24,254	6.2	0.51
12/31/23	8,224	–	1,608	19.6	3.13	1.68	2,961	221,964	197,622	13,972	177,342	24,342	6.6	0.57
12/31/22	8,021	–	2,073	25.8	4.10	1.62	4,119	226,733	203,043	15,890	180,724	23,690	8.8	0.67
12/31/21	6,647	–	2,319	34.9	5.16	1.56	2,275	188,409	164,989	7,006	154,361	23,420	9.9	0.30
12/31/20	6,905	–	1,057	15.3	2.22	1.56	111	183,349	160,676	8,589	147,164	22,673	4.7	0.38
12/31/19	6,491	–	1,791	27.6	3.81	1.36	1,697	165,733	143,532	14,321	125,313	22,201	8.1	0.65
12/31/18	6,128	–	1,721	28.1	3.52	0.98	1,767	160,518	139,701	17,242	119,575	20,817	8.3	0.83
12/31/17	5,707	–	1,652	28.9	3.25	0.64	1,883	152,336	132,066	14,436	115,089	20,270	8.1	0.71
12/31/16	5,255	–	1,045	19.9	1.97	0.46	1,490	149,520	129,773	17,149	109,804	19,747	5.3	0.87

Net margin = net income ÷ revenues; ROE = net income ÷ year-end stockholders’ equity; total debt = long-term debt including current maturities plus short-term borrowings/commercial paper, as tagged in XBRL; capital expenditure and free cash flow are not shown for banks and insurers, where they are not meaningful; d = derived as total assets − total equity where the filing does not tag total liabilities; – = not reported in XBRL for that year.

REGISTRANT:

CITIZENS FINANCIAL GROUP INC/RI
CIK 759944 · EIN 05-0412693

PRINCIPAL OFFICE:

1 Citizens Plaza, Providence, RI 02903
Tel.: 2039006715

INCORPORATED:

Delaware

INDUSTRY (SEC SIC CODE):

6022 · State Commercial Banks

FILER STATUS:

Large accelerated filer

LATEST ANNUAL REPORT:

10-K for period ended 12/31/25, filed 12 February 2026

FORMER NAMES:

CITIZENS FINANCIAL GROUP INC/DE

RECENT FILINGS (ANNUAL REPORT REFERENCES BELOW):

10/8/26	8-K	period 10/6/26
8/3/26	10-Q	period 6/30/26
7/31/26	8-K	period 7/27/26
7/21/26	8-K	period 7/21/26
7/16/26	8-K	period 7/16/26
5/4/26	10-Q	period 3/31/26
4/24/26	8-K	period 4/23/26
4/16/26	8-K	period 4/16/26

Sources: SEC XBRL company facts (all financial figures) · SEC submissions (registrant, address, SIC, filings) · annual reports: 10-K FY2025 (filed 2/12/26) · 10-K FY2024 (filed 2/13/25) · 10-K FY2023 (filed 2/16/24) · 10-K FY2022 (filed 2/17/23) · 10-K FY2021 (filed 2/23/22) · 10-K FY2020 (filed 2/23/21) · 10-K FY2019 (filed 2/24/20) · 10-K FY2018 (filed 2/21/19). Values are the latest figures filed for each fiscal year (restated where a later 10-K restated them). Ratios and free cash flow are Pathos calculations from those figures. Retrieved 31 October 2026.