Filing Flows › Citizens Financial Group (CFG) › Q4 2025
Citizens Financial Group (CFG) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 12, 2026
Citizens Financial Group (CFG) reported revenue of $2.2B for the fourth quarter 2025 (Q4 2025), +9% from a year earlier and +2% from the quarter before. Operating margin was 31.4%, net earnings $528M (24.5% of revenue).
Citizens Financial Group, Q4 2025: revenue $2.2B (+9% year over year), operating margin 31.4%, net earnings $528M, operating cash flow −$158M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $2.2B | +2% | +9% |
| Operating profit | $677M | +8% | +33% |
| Net earnings | $528M | +7% | +32% |
| Operating cash flow | −$158M | -109% | — |
What changed
Revenue was $2.2B in Q4 2025, up 9% year over year and up 2% from the previous quarter. Capital markets fees was the largest line at 6% of revenue.
Operating profit was $0.68B, a 31.4% margin (up 5.8 points year over year). Of the extra revenue versus a year earlier, 99% reached operating profit, above the 26% margin then. Total costs grew 0% against revenue growth of 9%. Net earnings were $0.53B, up 32% year over year. The effective tax rate was 22.0%.
Operating cash flow was −$0.16B. Non-cash charges added back $0.11B of depreciation and amortization and $0.02B of share-based compensation. Working capital and other items used $0.82B.
Questions
What was Citizens Financial Group's revenue in the fourth quarter 2025?
Citizens Financial Group (CFG) reported revenue of $2.2B for the fourth quarter 2025 (Q4 2025), +9% from a year earlier and +2% from the quarter before.
Was Citizens Financial Group profitable in the fourth quarter 2025?
Operating profit was $677M (31.4% of revenue) and net earnings $528M.