Citizens Financial Group Cash Flow Statement
NYSE: CFGFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Citizens Financial Group free cash flow
In fiscal 2025, Citizens Financial Group generated $2.21 billion of operating cash flow. That left free cash flow of $2.21 billion, a free-cash-flow margin of 26.8% of revenue. Free cash flow was up 10.5% from the prior year's $2.00 billion.
Citizens Financial Group returned $1.35 billion to shareholders: $755.0 million in dividends and $600.0 million in share repurchases, equal to 61% of free cash flow. Free cash flow covered dividend payments 2.9 times.
Summary generated from market data by MetaCap's automated system. Methodology
Citizens Financial Group cash flow statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 1.83B | 1.51B | 1.61B | 2.07B | 2.32B | 1.06B | 1.79B | 1.72B | 1.65B | 1.04B |
| Net Income growth (YoY) | +21.34% | -6.16% | -22.43% | -10.61% | +119.39% | -40.98% | +4.07% | +4.18% | +58.09% | +24.40% |
| Depreciation & Amortization | 478.00M | 498.00M | 478.00M | 565.00M | 625.00M | 578.00M | 633.00M | 486.00M | 487.00M | 515.00M |
| Stock-Based Compensation | 120.00M | 97.00M | 87.00M | 84.00M | 59.00M | 48.00M | 41.00M | 41.00M | 48.00M | 23.00M |
| Change in Working Capital | -306.00M | -571.00M | 273.00M | -858.00M | -962.00M | -2.98B | -522.00M | -914.00M | -621.00M | -333.00M |
| Operating Cash Flow | 2.21B | 2.00B | 2.96B | 4.12B | 2.27B | 111.00M | 1.70B | 1.77B | 1.88B | 1.49B |
| Capital Expenditures | — | — | — | — | — | — | -126.00M | -232.00M | -253.00M | -138.00M |
| Investing Cash Flow | -5.97B | 2.99B | 5.25B | -12.64B | -10.49B | -6.14B | -3.88B | -7.08B | -3.98B | -11.33B |
| Dividends Paid | -755.00M | -769.00M | -808.00M | -779.00M | -670.00M | -672.00M | -617.00M | -471.00M | -322.00M | -241.00M |
| Share Repurchases | -600.00M | -1.05B | -906.00M | -153.00M | -295.00M | -270.00M | -1.22B | -1.02B | -820.00M | -430.00M |
| Debt Issued | 8.53B | 13.19B | 25.98B | 24.62B | 0 | 8.32B | 12.85B | 22.50B | 15.36B | 15.14B |
| Debt Repaid | -9.74B | -14.29B | -28.42B | -19.69B | -1.35B | -14.02B | -14.86B | -14.84B | -12.75B | -8.43B |
| Financing Cash Flow | 5.88B | -6.01B | -7.13B | 9.91B | 4.64B | 15.37B | 1.49B | 6.35B | 1.43B | 10.46B |
| Net Change in Cash | 2.13B | -1.03B | 1.08B | 1.39B | -3.58B | 9.35B | -688.00M | 1.04B | -672.00M | 619.00M |
| Free Cash Flow | 2.21B | 2.00B | 2.96B | 4.12B | 2.27B | 111.00M | 1.57B | 1.53B | 1.63B | 1.35B |
This table shows 10 annual periods of Citizens Financial Group's cash flow statement, from FY 2025 back to FY 2016, across 14 line items including net income, depreciation & amortization, stock-based compensation. Values in USD; B = billions, M = millions. Fiscal periods follow CFG's reporting calendar. What is a cash flow statement?