Filing Flows › Citizens Financial Group (CFG) › Q3 2026
Citizens Financial Group (CFG) Q3 2026 earnings results (third quarter 2026)
10-Q filed Oct 28, 2026
Citizens Financial Group (CFG) reported revenue of $2.3B for the third quarter 2026 (Q3 2026), +10% from a year earlier and +2% from the quarter before. Operating margin was 34.6%, net earnings $636M (27.4% of revenue).
Citizens Financial Group, Q3 2026: revenue $2.3B (+10% year over year), operating margin 34.6%, net earnings $636M, operating cash flow $453M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $2.3B | +2% | +10% |
| Operating profit | $804M | +6% | +28% |
| Net earnings | $636M | +8% | +29% |
| Operating cash flow | $453M | -38% | -73% |
What changed
Revenue was $2.3B in Q3 2026, up 10% year over year and up 2% from the previous quarter.
Operating profit was $0.80B, a 34.6% margin (up 4.9 points year over year). Of the extra revenue versus Q3 2025, 86% reached operating profit, above the 30% margin then. Total costs grew 2% against revenue growth of 10%. Net earnings were $0.64B, up 29% year over year. The effective tax rate was 20.9%.
Operating cash flow was $0.45B (down 73% year over year), 71% of net earnings. Non-cash charges added back $0.10B of depreciation and amortization and $0.03B of share-based compensation. Working capital and other items used $0.31B.
Questions
What was Citizens Financial Group's revenue in the third quarter 2026?
Citizens Financial Group (CFG) reported revenue of $2.3B for the third quarter 2026 (Q3 2026), +10% from a year earlier and +2% from the quarter before.
Was Citizens Financial Group profitable in the third quarter 2026?
Operating profit was $804M (34.6% of revenue) and net earnings $636M.