Citizens Financial Group Quarterly Cash Flow Statement
NYSE: CFGFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Citizens Financial Group free cash flow
In the quarter ended Jun 30, 2026, Citizens Financial Group generated $726.0 million of operating cash flow. That left free cash flow of $726.0 million, a free-cash-flow margin of 31.8% of revenue. Free cash flow was down 18.1% from the prior year's $886.0 million.
Citizens Financial Group returned $423.0 million to shareholders: $198.0 million in dividends and $225.0 million in share repurchases, equal to 58% of free cash flow. Free cash flow covered dividend payments 3.7 times.
Summary generated from market data by MetaCap's automated system. Methodology
Citizens Financial Group cash flow statement (quarterly)
| Quarter (USD) | Q2 20262026-06-30 | Q1 20262026-03-31 | Q4 20252025-12-31 | Q3 20252025-09-30 | Q2 20252025-06-30 | Q1 20252025-03-31 | Q4 20242024-12-31 | Q3 20242024-09-30 | Q2 20242024-06-30 | Q1 20242024-03-31 | Q4 20232023-12-31 | Q3 20232023-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 587.00M | 517.00M | 528.00M | 494.00M | 436.00M | 373.00M | 401.00M | 382.00M | 392.00M | 334.00M | 189.00M | 430.00M |
| Net Income growth (YoY) | +34.63% | +38.61% | +31.67% | +29.32% | +11.22% | +11.68% | +112.17% | -11.16% | -17.99% | -34.64% | -71.06% | -32.39% |
| Depreciation & Amortization | 99.00M | 113.00M | 112.00M | 119.00M | 124.00M | 123.00M | 124.00M | 129.00M | 143.00M | 102.00M | 126.00M | 122.00M |
| Stock-Based Compensation | 49.00M | 33.00M | 23.00M | 23.00M | 43.00M | 31.00M | 21.00M | 21.00M | 21.00M | 34.00M | 14.00M | 18.00M |
| Change in Working Capital | -116.00M | -326.00M | -628.00M | 670.00M | 188.00M | -536.00M | -8.00M | -524.00M | 214.00M | -253.00M | 287.00M | -177.00M |
| Operating Cash Flow | 726.00M | 237.00M | -158.00M | 1.70B | 886.00M | -213.00M | 483.00M | 130.00M | 834.00M | 554.00M | 670.00M | 1.01B |
| Investing Cash Flow | -5.46B | -1.80B | -1.93B | -1.50B | -1.43B | -1.11B | 1.61B | 161.00M | 179.00M | 1.04B | 225.00M | 382.00M |
| Dividends Paid | -198.00M | -198.00M | -200.00M | -184.00M | -185.00M | -186.00M | -769.00M | -190.00M | -194.00M | -197.00M | -199.00M | -199.00M |
| Share Repurchases | -225.00M | -300.00M | -125.00M | -75.00M | -200.00M | -200.00M | -225.00M | -325.00M | -200.00M | -300.00M | 0 | -250.00M |
| Debt Issued | 7.00B | 3.65B | 2.00B | 501.00M | 3.50B | 2.53B | 0 | 2.33B | 5.09B | 5.76B | 4.75B | 9.02B |
| Debt Repaid | -4.08B | -2.62B | -1.22B | -2.59B | -3.25B | -2.67B | -1.54B | -1.49B | -5.82B | -5.44B | -8.65B | -5.76B |
| Financing Cash Flow | 5.17B | 1.17B | 3.17B | 2.90B | -2.45B | 2.26B | -2.40B | -1.15B | -841.00M | -1.62B | -4.67B | 2.44B |
| Net Change in Cash | 430.00M | -397.00M | 1.08B | 3.10B | -2.99B | 940.00M | -314.00M | -856.00M | 172.00M | -29.00M | -3.77B | 3.83B |
| Free Cash Flow | 726.00M | 237.00M | -158.00M | 1.70B | 886.00M | -213.00M | 483.00M | 130.00M | 834.00M | 554.00M | 670.00M | 1.01B |
This table shows 12 quarterly periods of Citizens Financial Group's cash flow statement, from Q2 2026 back to Q3 2023, 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?