How Citizens Financial Group (CFG) Makes Money: A Visual Guide
Citizens Financial Group (CFG) generated $11.15B in revenue (TTM through Q4 2025), earning $1.83B in net profit (16.4% margin). Its largest revenue source is Service Charges and Fees (56.9% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
Citizens Financial Group (CFG) Income Statement Flow
Frequently asked questions
How does Citizens Financial Group (CFG) make money?
- Citizens Financial Group (CFG) primarily makes money through Service Charges and Fees, which accounts for 56.9% of total revenue. For TTM through Q4 2025, Citizens Financial Group generated $11.15B in total revenue with a net profit margin of 16.4%.
What is Citizens Financial Group (CFG) gross profit margin?
- Citizens Financial Group (CFG) reported a gross profit margin of 69.8% for TTM through Q4 2025, equivalent to $7.78B in gross profit. This means Citizens Financial Group retains 69.8% of each revenue unit after direct costs of production.
What is Citizens Financial Group (CFG) operating profit margin?
- Citizens Financial Group (CFG) reported an operating profit margin of 20.9% for TTM through Q4 2025, equivalent to $2.33B in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is Citizens Financial Group (CFG) net profit margin?
- Citizens Financial Group (CFG) reported a net profit margin of 16.4% for TTM through Q4 2025, equivalent to $1.83B in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
How much does Citizens Financial Group (CFG) spend on capital expenditures?
- Citizens Financial Group (CFG) spent $174.00M on capital expenditures in TTM through Q4 2025 (1.6% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.
What is Citizens Financial Group (CFG) free cash flow?
- Citizens Financial Group (CFG) generated $2.04B in free cash flow for TTM through Q4 2025 (18.3% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is Citizens Financial Group (CFG) effective tax rate?
- Citizens Financial Group (CFG) had an effective tax rate of 21.3% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.
About this data
- What is a Sankey diagram?
- A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
- How is the data calculated?
- We use the income statement from company filings. For TTM (Trailing Twelve Months), we sum the last four quarters. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
- When was this data last updated?
- Based on company filings through TTM through Q4 2025.