Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.25B | $5.71B | $1.12B | $1.17B | $1.08B | $1.32B | $1.30B | $1.27B | $1.53B | $1.64B |
| Revenue growth | — | 8.6% | -80.4% | 4.7% | -7.8% | 22.7% | -2.0% | -2.5% | 21.1% | 6.7% |
| Net income | $1.04B | $1.65B | $1.72B | $1.79B | $1.06B | $2.32B | $2.07B | $1.61B | $1.51B | $1.83B |
| Net margin | 19.9% | 28.9% | 153.8% | 152.8% | 97.9% | 175.0% | 159.6% | 127.0% | 98.4% | 112.0% |
| EPS (diluted) | $1.97 | $3.25 | $3.52 | $3.81 | $2.22 | $5.16 | $4.10 | $3.13 | $3.03 | $3.86 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $1.49B | $1.88B | $1.77B | $1.70B | $111M | $2.27B | $4.12B | $2.96B | $2.00B | $2.21B |
| Capital expenditures | $138M | $253M | $232M | $126M | — | — | — | — | — | — |
| Free cash flow | $1.35B | $1.63B | $1.53B | $1.57B | — | — | — | — | — | — |
| Share buybacks | $430M | $820M | $1.02B | $1.22B | $270M | $295M | $153M | $906M | $1.05B | $600M |
| Dividends paid | $241M | $322M | $471M | $617M | $672M | $670M | $779M | $808M | $769M | $755M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $3.70B | $3.03B | $4.07B | $3.39B | $12.7B | $9.16B | $10.5B | $11.6B | $10.6B | $12.7B |
| Total assets | $150B | $152B | $161B | $166B | $183B | $188B | $227B | $222B | $218B | $226B |
| Total liabilities | $130B | $132B | $140B | $144B | $161B | $165B | $203B | $198B | $193B | $200B |
| Long-term debt | $12.8B | $11.8B | $15.9B | $14.0B | $8.35B | $6.93B | $15.9B | $13.5B | $12.4B | $11.2B |
| Shareholders' equity | $19.7B | $20.3B | $20.8B | $22.2B | $22.7B | $23.4B | $23.7B | $24.3B | $24.3B | $26.3B |
| Retained earnings | $2.70B | $4.16B | $5.38B | $6.50B | $6.45B | $7.98B | $9.16B | $9.82B | $10.4B | $11.3B |
| Shares (wtd avg diluted) | 524M | 504M | 480M | 451M | 428M | 427M | 478M | 477M | 454M | 437M |
Every figure is extracted from CITIZENS FINANCIAL GROUP INC/RI’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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