Filing Flows › Citizens Financial Group (CFG) › Q2 2025
Citizens Financial Group (CFG) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 4, 2025
Citizens Financial Group (CFG) reported revenue of $2.0B for the second quarter 2025 (Q2 2025), +4% from a year earlier and +5% from the quarter before. Operating margin was 27.2%, net earnings $436M (21.4% of revenue).
Citizens Financial Group, Q2 2025: revenue $2.0B (+4% year over year), operating margin 27.2%, net earnings $436M, operating cash flow $886M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $2.0B | +5% | +4% |
| Operating profit | $554M | +18% | +15% |
| Net earnings | $436M | +17% | +11% |
| Operating cash flow | $886M | — | +6% |
What changed
Revenue was $2.0B in Q2 2025, up 4% year over year and up 5% from the previous quarter.
Operating profit was $0.55B, a 27.2% margin (up 2.7 points year over year). Of the extra revenue versus a year earlier, 100% reached operating profit, above the 24% margin then. Total costs grew 0% against revenue growth of 4%. Net earnings were $0.44B, up 11% year over year. The effective tax rate was 21.3%.
Operating cash flow was $0.89B (up 6% year over year), 203% of net earnings. Non-cash charges added back $0.12B of depreciation and amortization and $0.04B of share-based compensation. Working capital and other items added $0.28B.
Questions
What was Citizens Financial Group's revenue in the second quarter 2025?
Citizens Financial Group (CFG) reported revenue of $2.0B for the second quarter 2025 (Q2 2025), +4% from a year earlier and +5% from the quarter before.
Was Citizens Financial Group profitable in the second quarter 2025?
Operating profit was $554M (27.2% of revenue) and net earnings $436M.