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/company/CFG (free sign-up required for the full ranking).

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 2026-08-03, the biggest revenue drivers are: Net interest income ($1,631M, +$194M YoY); Noninterest income ($652M, +9% YoY); Capital markets fees ($153M, +46% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/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 ($745M, +9% YoY); Equipment and software ($195M, +1% YoY); Outside services ($174M, +3% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 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

62.9/100

Rank #672 of 2,960 stocksTOP 25%

View Financials peers →

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

Revenue Growth

39.5/100

Profitability

87.2/100

Balance Sheet

41.4/100

Earnings Quality

47.3/100

Free Cash Flow

82.6/100

Institutional Flow

72.2/100

Revenue Scale

85.0/100

Dilution Risk

47.1/100

Email me the moment this company reports earnings

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Why CFG Scores 63/100

exact factor attribution · 2026-09-10

CFG's composite is driven by profitability and scale, held back by revenue growth and capital efficiency. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+7.4 pts

87th pct

Scale

+7.0 pts

85th pct

Free cash flow

+4.9 pts

83th pct

Institutional flow

+1.5 pts

72th pct

Earnings growth

+1.1 pts

67th pct

Shareholder dilution

-0.2 pts

47th pct

Earnings quality

-0.3 pts

47th pct

Capital efficiency

-1.1 pts

41th pct

Revenue growth

-2.8 pts

40th pct

Latest change (2026-08-04): 69 → 65 · ↓ Revenue growth 67→54; ↓ Dilution 48→22; despite ↑ Earnings growth 42→61

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

CFG Stock Analysis & AI Quality Score

Data updated 2026-09-10

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 62.9/100 on a 32-signal composite quality model, placing it at rank #672 of 2,960 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. CITIZENS FINANCIAL GROUP INC/RI's 13F Pro composite quality score has ranged between 40 and 71 since 2021, currently 62.9 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

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

✓ 26/26 datapoints verified

AI-extracted from CITIZENS FINANCIAL GROUP INC/RI's 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.

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

Revenue

Q2 2026

$2.3B

Net Income

Q2 2026

$587.0M

Operating Margin

Q2 2026

33.1%

ROIC

Q2 2026

7.1%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+5.6% YoY

$8.25BFY 2025

FY22 $8.02BFY23 $8.22BFY24 $7.81BFY25 $8.25B

Net Income

+21.3% YoY

$1.83BFY 2025

FY22 $2.07BFY23 $1.61BFY24 $1.51BFY25 $1.83B

EPS (Diluted)

+27.4% YoY

$3.86FY 2025

FY22 $4.10FY23 $3.13FY24 $3.03FY25 $3.86

Total Assets

+4.1% YoY

$226.35BFY 2025

FY22 $226.73BFY23 $221.96BFY24 $217.52BFY25 $226.35B

Total Debt

-9.0% YoY

$11.28BFY 2025

FY22 $15.89BFY23 $13.97BFY24 $12.40BFY25 $11.28B

Op. Cash Flow

+10.5% YoY

$2.21BFY 2025

FY22 $4.12BFY23 $2.96BFY24 $2.00BFY25 $2.21B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$8.25B +5.6%	$7.81B -5.0%	$8.22B +2.5%	$8.02B +20.7%	$6.65B -3.7%	$6.91B
Net Income	$1.83B +21.3%	$1.51B -6.2%	$1.61B -22.4%	$2.07B -10.6%	$2.32B +119.4%	$1.06B
EPS (Diluted)	$3.86 +27.4%	$3.03 -3.2%	$3.13 -23.7%	$4.10 -20.5%	$5.16 +1294.6%	$0.37
Total Assets	$226.35B +4.1%	$217.52B -2.0%	$221.96B -2.1%	$226.73B +20.3%	$188.41B +2.8%	$183.35B
Total Debt	$11.28B -9.0%	$12.40B -11.2%	$13.97B -12.1%	$15.89B +126.8%	$7.01B -18.4%	$8.59B
Operating Cash Flow	$2.21B +10.5%	$2.00B -32.4%	$2.96B -28.1%	$4.12B +81.1%	$2.27B +1949.5%	$111.0M

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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.
$3.4B48,737,629 sh
VANGUARD CAPITAL MANAGEMENT LLC
$1.9B26,906,653 sh
Capital World Investors
$1.6B23,269,185 sh
Invesco Ltd.
$1.6B22,154,682 sh
STATE STREET CORP
$1.5B21,241,311 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$1.4B20,567,346 sh
MORGAN STANLEY
$859.4M12,264,969 sh
GEODE CAPITAL MANAGEMENT, LLC
$824.8M11,815,760 sh
Ninety One UK Ltd
$550.2M7,851,457 sh
AQR CAPITAL MANAGEMENT LLC
$534.4M7,626,834 sh

Fund	Value	Shares
BlackRock, Inc.	$3.4B	48,737,629
VANGUARD CAPITAL MANAGEMENT LLC	$1.9B	26,906,653
Capital World Investors	$1.6B	23,269,185
Invesco Ltd.	$1.6B	22,154,682
STATE STREET CORP	$1.5B	21,241,311
VANGUARD PORTFOLIO MANAGEMENT LLC	$1.4B	20,567,346
MORGAN STANLEY	$859.4M	12,264,969
GEODE CAPITAL MANAGEMENT, LLC	$824.8M	11,815,760
Ninety One UK Ltd	$550.2M	7,851,457
AQR CAPITAL MANAGEMENT LLC	$534.4M	7,626,834

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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. CFG is classified as a large company.

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.