CITIZENS FINANCIAL GROUP INC/RI(CFG)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
CITIZENS FINANCIAL GROUP INC/RI (CFG) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores CFG at 62.9/100 on a 32-signal composite quality model, placing it at rank #673 of 2,961 stocks — the top 25% of the AI-ranked universe. CFG scores in the top quartile across profitability (87.2), revenue scale (85.0), free cash flow (82.6). Areas of concern include revenue growth (39.5), which score below median versus the broader universe. Shareholder dilution risk is elevated at 47.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), CITIZENS FINANCIAL GROUP INC/RI reports quarterly revenue of $2.3B, net income of $587.0M, an operating margin of 33.1%. Top institutional holders of CFG by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, Capital World Investors, based on the most recent SEC filings. CFG trades on the NYSE exchange and files with the SEC under CIK 759944. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CFG daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CITIZENS FINANCIAL GROUP INC/RI directly from SEC EDGAR.
AI Quality Score
62.9/100
AI Rank
#673
Revenue
$2.3B
Net Income
$587.0M
Operating Margin
33.1%
CFG key financials by period
CITIZENS FINANCIAL GROUP INC/RI reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$8.2B
$1.8B
28.2%
FY 2024
10-K
$7.8B
$1.5B
24.2%
FY 2023
10-K
$8.2B
$1.6B
24.7%
FY 2022
10-K
$8.0B
$2.1B
33.1%
FY 2021
10-K
$6.6B
$2.3B
44.8%
FY 2020
10-K
$6.9B
$1.1B
18.8%
Institutions holding CFG
Institutional investors reporting a position in CITIZENS FINANCIAL GROUP INC/RI on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-03 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income rose to $587M (+$151M YoY) on net interest margin expansion to 3.16% (+22bps) and lower provision expense, pushing the efficiency ratio down to 61.1% from 64.8%.
Biggest Revenue Drivers
Net interest income$1,631M+$194M YoY
Increase in interest-earning assets, higher net interest margin, terminated swap impacts, and fixed-rate asset repricing benefits.
Noninterest income$652M+9% YoY
Growth across numerous fee categories, primarily capital markets and wealth fees, partially offset by lower mortgage banking fees.
Biggest Revenue Drivers
Total revenue: $2,283M+12% YoY
Net interest income$1,631M+$194M YoY
Increase in interest-earning assets, higher net interest margin, terminated swap impacts, and fixed-rate asset repricing benefits.
Noninterest income$652M+9% YoY
Growth across numerous fee categories, primarily capital markets and wealth fees, partially offset by lower mortgage banking fees.
Within Noninterest income
Capital markets fees$153M+46% YoY
Higher M&A, loan syndication, and bond underwriting fees.
Wealth fees$102M+16% YoY
Growth in assets under management, reflecting net inflows and market appreciation.
Mortgage banking fees$42M-42% YoY
Lower MSR valuation results, net of hedge impact.
Largest Expense Items
Salaries and employee benefits$745M+9% YoY
Hiring related to the Private Bank and Private Wealth build-out, and compensation associated with growth in capital markets fees.
Equipment and software$195M+1% YoY
Not separately explained beyond modest increase.
Outside services$174M+3% YoY
Costs to implement the Reimagine the Bank program leveraging technology innovation.
Margins: Net interest margin increased 22bps YoY to 3.16% on higher interest-earning assets, repricing benefits, and terminated swap impacts; efficiency ratio improved to 61.1% from 64.8% as revenue growth outpaced a 6% rise in noninterest expense.
Watch Items from the Filing
A more pessimistic macro scenario (7.6% peak unemployment, -2.1% GDP) would raise the modeled lifetime loss estimate by approximately $700 million, ~1.5x the modeled period-end ACL.
Provision for credit losses fell to $134M from $164M YoY, reflecting runoff of certain retail portfolios and improving credit trends and loan mix.
CFG's CET1 capital ratio declined to 10.4% from 10.6% at year-end 2025, as share repurchases, dividends, and a $4.8 billion increase in RWA outpaced net income.
On July 30, 2026 the company issued $400 million of Series J Preferred Stock at 6.750%, intending to use proceeds to redeem outstanding Series G Preferred Stock.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
