What is the 13F Pro Quality Score for CFG?

13F Pro ranks CITIZENS FINANCIAL GROUP INC/RI (CFG) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CFG's current score at https://13fpro.ai/research/CFG (free sign-up required for the full ranking).

Which hedge funds own the most CFG stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of CFG include BlackRock,, Capital World Investors, VANGUARD CAPITAL MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/CFG as soon as new 13F filings post.

Where does 13F Pro source CFG data?

All CITIZENS FINANCIAL GROUP INC/RI fundamentals and ownership data come directly from SEC EDGAR. CITIZENS FINANCIAL GROUP INC/RI files with the SEC under CIK 759944. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CFG in?

CITIZENS FINANCIAL GROUP INC/RI (CFG) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives CFG's revenue?

Per CITIZENS FINANCIAL GROUP INC/RI's latest 10-Q filed with the SEC on 2026-05-04, the biggest revenue drivers are: Net Interest Income ($1.6B, +12% YoY); Noninterest Income ($606M, +11% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/CFG.

What are CFG's largest expenses?

CITIZENS FINANCIAL GROUP INC/RI's latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($758M, +9% YoY); Equipment and software ($197M, +2% YoY); Outside services ($162M, +5% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (three months ended March 31, 2026).

How often is CFG research updated on 13F Pro?

CFG's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

CITIZENS FINANCIAL GROUP INC/RI(CFG)Stock Analysis

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13F Pro Quality Score

68.8/100

Rank #399 of 2,879 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

67.3/100

Profitability

96.8/100

Balance Sheet

41.9/100

Earnings Quality

41.7/100

Free Cash Flow

96.9/100

Institutional Flow

37.7/100

Revenue Scale

58.8/100

Dilution Risk

47.7/100

CFG Stock Analysis & AI Quality Score

AI stock analysis and institutional research for CITIZENS FINANCIAL GROUP INC/RI (CFG), a Financials sector company. 13F Pro's AI-powered ranking engine scores CFG at 68.8/100 on a 32-signal composite quality model, placing it at rank #399 of 2,879 stocks — the top 25% of the AI-ranked universe. CFG scores in the top quartile across free cash flow (96.9), profitability (96.8). Areas of concern include institutional flow (37.7), which score below median versus the broader universe. Shareholder dilution risk is elevated at 47.7/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), CITIZENS FINANCIAL GROUP INC/RI reports quarterly revenue of $2.2B, net income of $517.0M, an operating margin of 30.0%. Top institutional holders of CFG by reported 13-F value include BlackRock,, Capital World Investors, VANGUARD CAPITAL MANAGEMENT, 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. CITIZENS FINANCIAL GROUP INC/RI's 13F Pro composite quality score has ranged between 40 and 71 since 2021, currently 68.8 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.

What's Driving CFG's Business? Latest 10-Q Breakdown

✓ 23/23 datapoints verified

AI-extracted from CITIZENS FINANCIAL GROUP INC/RI's 10-Q filed 2026-05-04 — Q1 2026 (three months ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income of $517M (+39% YoY) driven by higher net interest margin (+25 bps) from improved funding costs and strong capital markets fee growth (+34%).

Biggest Revenue Drivers

Total revenue: $2.2B+12% YoY

Net Interest Income$1.6B+12% YoY

Driven by higher net interest margin (+25 bps) from improved funding costs, reduced higher-cost funding, terminated swap impacts, and fixed-rate asset repricing benefits.

Noninterest Income$606M+11% YoY

Growth in capital markets fees (+34%), wealth fees (+23%), and letter of credit/loan fees (+14%), partially offset by lower mortgage banking fees (-29%).

Largest Expense Items

Salaries and employee benefits$758M+9% YoY

Hiring related to Private Bank and Private Wealth build-out and strong capital markets fee performance.

Equipment and software$197M+2% YoY

No specific detail provided by filing.

Outside services$162M+5% YoY

No specific detail provided by filing.

Other operating expense$147M-6% YoY

Lower FDIC deposit insurance costs.

Margins: Net interest margin expanded 25 bps to 3.14% due to improved funding costs, reduced higher-cost funding from auto loan portfolio runoff, terminated swap impacts, and fixed-rate asset repricing benefits, partially offset by lower asset yields. Efficiency ratio improved to 63.6% from 67.9% YoY.

Watch Items from the Filing

Commercial real estate criticized balances remain elevated at $3.6B with approximately 95% of CRE loans current on payments as of March 31, 2026; general office CRE uses more severe economic scenario assumptions.
Nonaccrual loans declined modestly to $1.5B (1.04% of total loans) from $1.5B; commercial and industrial nonaccrual down 32% but residential mortgage nonaccrual up 11%.
Auto loan portfolio runoff continues; automobile loans decreased 19% to $1.9B from $2.3B, reducing higher-cost funding but also revenue exposure.
Capital ratios decreased QoQ: CFG CET1 fell to 10.5% from 10.6%; CBNA CET1 fell to 12.1% from 12.3%, driven by $1.8B RWA increase from higher commercial and industrial loans and capital distributions, partially offset by net income.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$2.2B

Net Income

Q1 2026

$517.0M

Free Cash Flow

Q1 2026

$237.0M

Operating Margin

Q1 2026

30.0%

ROIC

Q1 2026

1.7%

D/E Ratio

Q1 2026

0.47

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+5.6% YoY

$8.25BFY 2025

FY20 $6.91BFY23 $8.22BFY24 $7.81BFY25 $8.25B

Net Income

+21.3% YoY

$1.83BFY 2025

FY20 $1.06BFY23 $1.61BFY24 $1.51BFY25 $1.83B

EPS (Diluted)

+27.4% YoY

$3.86FY 2025

FY20 $0.37FY23 $3.13FY24 $3.03FY25 $3.86

Total Assets

+4.1% YoY

$226.35BFY 2025

FY20 $183.35BFY23 $221.96BFY24 $217.52BFY25 $226.35B

Total Debt

-9.0% YoY

$11.28BFY 2025

FY20 $8.59BFY23 $13.97BFY24 $12.40BFY25 $11.28B

Op. Cash Flow

+10.5% YoY

$2.21BFY 2025

FY20 $111.0MFY23 $2.96BFY24 $2.00BFY25 $2.21B

Metric	FY 2025	FY 2024	FY 2023	FY 2020	FY 2017	FY 2016
Revenue	$8.25B +5.6%	$7.81B -5.0%	$8.22B +19.1%	$6.91B +21.0%	$5.71B +8.6%	$5.25B
Net Income	$1.83B +21.3%	$1.51B -6.2%	$1.61B +52.1%	$1.06B -36.0%	$1.65B +58.1%	$1.04B
EPS (Diluted)	$3.86 +27.4%	$3.03 -3.2%	$3.13 +745.9%	$0.37 -31.7%	$0.54 +65.0%	$0.33
Total Assets	$226.35B +4.1%	$217.52B -2.0%	$221.96B +21.1%	$183.35B +20.4%	$152.34B +1.9%	$149.52B
Total Debt	$11.28B -9.0%	$12.40B -11.2%	$13.97B +62.7%	$8.59B -40.5%	$14.44B -15.8%	$17.15B
Operating Cash Flow	$2.21B +10.5%	$2.00B -32.4%	$2.96B +2567.6%	$111.0M -94.1%	$1.88B +26.4%	$1.49B

AI Insight: CFG Financial Trends

Net income surged 32% year-over-year to $517M in Q1 2026 as revenue grew 12% despite volatile operating cash flow.

• Net income expanded from $373M in Q1 2025 to $517M in Q1 2026, a 32% increase; full-year 2025 net income reached $1,957M vs. $1,546M in 2024.

• Revenue grew 12% year-over-year to $2,168M in Q1 2026 from $1,935M in Q1 2025; consistent uptrend across 2025 from $1,901M-$2,157M range.

• Total debt declined to $12,314M in Q1 2026 from peak of $13,959M in Q3 2024, a 12% reduction over 18 months.

⚠ Operating cash flow remains volatile: $237M in Q1 2026, negative $213M in Q1 2025, and negative $158M in Q4 2025.

⚠ Net income moderated to $517M in Q1 2026 from $528M peak in Q4 2025; monitor whether growth trajectory sustains.

AI Insight: CFG Ratio Trends

Operating margin surged 570 bps from Q2 2024 to Q1 2026, with ROE and ROIC both expanding sharply while leverage compressed.

• Operating margin expanded from 24.4% (Q2 2024) to 30.0% (Q1 2026); net profit margin rose from 20.0% to 23.8% over same period.

• ROIC climbed from 5.2% (Q2 2024) to 6.8% (Q1 2026); ROE increased from 6.6% to 7.9%, reflecting stronger capital efficiency.

• Debt-to-equity fell from 0.55 (Q2 2024) to 0.47 (Q1 2026), with Q3 2025 posting lowest leverage ratio of 0.41.

⚠ ROE and ROIC both softened Q1 2026 vs. Q4 2025 (ROE: 8.0% → 7.9%, ROIC: 7.2% → 6.8%), marking first quarterly declines after sustained run.

⚠ Debt-to-equity ticked up to 0.47 in Q1 2026 from 0.43 in Q4 2025, reversing the downtrend and returning toward historical levels.

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Available Research

13F Pro tracks comprehensive data for CITIZENS FINANCIAL GROUP INC/RI including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CFG

BlackRock, Inc.
$2.8B46,700,087 sh
Capital World Investors
$1.7B27,904,054 sh
VANGUARD CAPITAL MANAGEMENT LLC
$1.6B26,864,839 sh
Invesco Ltd.
$1.4B22,926,809 sh
STATE STREET CORP
$1.2B20,262,332 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$1.2B19,925,763 sh
MORGAN STANLEY
$762.4M12,712,681 sh
GEODE CAPITAL MANAGEMENT, LLC
$705.7M11,810,470 sh
AQR CAPITAL MANAGEMENT LLC
$433.9M7,340,645 sh
NORDEA INVESTMENT MANAGEMENT AB
$430.1M7,323,185 sh

Fund	Value	Shares
BlackRock, Inc.	$2.8B	46,700,087
Capital World Investors	$1.7B	27,904,054
VANGUARD CAPITAL MANAGEMENT LLC	$1.6B	26,864,839
Invesco Ltd.	$1.4B	22,926,809
STATE STREET CORP	$1.2B	20,262,332
VANGUARD PORTFOLIO MANAGEMENT LLC	$1.2B	19,925,763
MORGAN STANLEY	$762.4M	12,712,681
GEODE CAPITAL MANAGEMENT, LLC	$705.7M	11,810,470
AQR CAPITAL MANAGEMENT LLC	$433.9M	7,340,645
NORDEA INVESTMENT MANAGEMENT AB	$430.1M	7,323,185

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Is CFG a good stock to buy?

13F Pro's AI-powered analysis of CITIZENS FINANCIAL GROUP INC/RI (CFG) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CFG are available on the CFG stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own CFG?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CFG. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CITIZENS FINANCIAL GROUP INC/RI's investment landscape.