How does Citizens Financial Group (CFG) make money?

Citizens Financial Group (CFG) generates revenue primarily from Service Charges and Fees, which accounted for 57.4% of total revenue in TTM through Q2 2026. The company reported $11.5B in revenue and converted 18.5% of it into net profit, equivalent to roughly $2.13B in net income — what's left after the cost of revenue, operating expenses, interest, and income taxes.

What is the gross profit margin of Citizens Financial Group (CFG)?

Citizens Financial Group (CFG) reported a gross profit margin of 72.4% in TTM through Q2 2026, equivalent to $8.3B in gross profit on $11.5B in revenue. Gross margin measures how much of each dollar of revenue remains after the direct cost of producing or delivering the product — a higher figure typically signals pricing power, scale, or a less capital-intensive business model.

What is the operating profit margin of Citizens Financial Group (CFG)?

Citizens Financial Group (CFG) reported an operating profit margin of 23.6% in TTM through Q2 2026, equivalent to $2.71B in operating income. Operating margin captures profitability after research & development, sales & marketing, and general & administrative expenses — but before interest, taxes, and one-off items — and is the cleanest single read on the underlying business's efficiency.

What is the net profit margin of Citizens Financial Group (CFG)?

Citizens Financial Group (CFG) reported a net profit margin of 18.5% in TTM through Q2 2026, equivalent to $2.13B in net income. Net margin is the bottom-line share of revenue that survives every expense — operating costs, interest, and income taxes — and is the figure that flows directly into earnings per share.

Is Citizens Financial Group (CFG) profitable?

Yes. Citizens Financial Group (CFG) reported $2.13B in net income for TTM through Q2 2026, with a net profit margin of 18.5%. The company earned more from its operations than it paid out in costs, interest, and income taxes, leaving positive earnings on the bottom line.

How much does Citizens Financial Group (CFG) spend on capital expenditures?

Citizens Financial Group (CFG) spent $160M on capital expenditures (CapEx) during TTM through Q2 2026, roughly 1.4% of total revenue. CapEx represents long-lived investment in property, equipment, data centres, and other physical infrastructure, and is subtracted from operating cash flow to arrive at free cash flow.

How much free cash flow does Citizens Financial Group (CFG) generate?

Citizens Financial Group (CFG) generated $2.5B in free cash flow during TTM through Q2 2026, a free-cash-flow margin of 21.8%. Free cash flow is the cash left after capital expenditures and represents the discretionary pool the company can use to pay dividends, repurchase shares, repay debt, or fund acquisitions without raising external capital.

What is the effective tax rate of Citizens Financial Group (CFG)?

Citizens Financial Group (CFG) had an effective tax rate of 21.6% in TTM through Q2 2026. The effective rate is the actual share of pre-tax income paid as income taxes and can differ materially from the statutory rate due to foreign earnings mix, tax credits (such as R&D), share-based compensation deductions, and one-off discrete items.

What are the main business segments of Citizens Financial Group (CFG)?

Citizens Financial Group (CFG) reports revenue across 2 reportable product segments, led by Service Charges & Fees at 57.4% of total revenue in TTM through Q2 2026. See the revenue-by-segment table on this page for the full breakdown and how each segment feeds into the income-statement waterfall above.

How Citizens Financial Group Makes Money: 2026 Visual Revenue Map

Citizens Financial Group (CFG) Income Statement Flow — TTM through Q2 2026

Calculated from the four most recent reported quarters, ending June 30, 2026 (reported July 16, 2026).

Citizens Financial Group discloses geographic revenue only in annual filings. to view the full breakdown.

Citizens Financial Group (CFG) Revenue by Product Segment — TTM through Q2 2026

Aggregated from the four quarterly disclosures behind this TTM. Minor differences vs the company's annual filing can occur if reported segments changed mid-year.

Revenue contribution by product segment for Citizens Financial Group (CFG), TTM through Q2 2026.
Segment	Revenue (USD)	% of total
Service Charges & Fees	$6.58B	57.4%
Card Fees	$4.88B	42.6%
Total	$11.5B	100%

Service Charges & Fees$6.58B
Card Fees$4.88B
Total$11.5B

Revenue Breakdown — TTM through Q2 2026

In TTM through Q2 2026, Citizens Financial Group (CFG) reports revenue across 2 reportable product segments; the largest segment was Service Charges & Fees at 57.4%, followed by Card Fees (42.6%).

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