Citizens Financial Group, Inc.
CFGFinancial Statements
Income Statement (Annual)
Amounts in millions
2024
12/31/2024
Revenue
12,347
Cost of Revenue
5,240
Gross Profit
7,107
Gross Margin
57.6%
Operating Income
1,888
Operating Margin
15.3%
Net Income
1,509
Net Margin
12.2%
EPS (Basic)
$3.04
EPS (Diluted)
$3.03
EBITDA
2,386
EBITDA Margin
19.3%
2023
12/31/2023
Revenue
12,187
Cost of Revenue
4,650
Gross Profit
7,537
Gross Margin
61.8%
Operating Income
2,030
Operating Margin
16.7%
Net Income
1,608
Net Margin
13.2%
EPS (Basic)
$3.14
EPS (Diluted)
$3.13
EBITDA
2,508
EBITDA Margin
20.6%
2022
12/31/2022
Revenue
9,069
Cost of Revenue
1,522
Gross Profit
7,547
Gross Margin
83.2%
Operating Income
2,655
Operating Margin
29.3%
Net Income
2,073
Net Margin
22.9%
EPS (Basic)
$4.12
EPS (Diluted)
$4.10
EBITDA
3,220
EBITDA Margin
35.5%
2021
12/31/2021
Revenue
6,986
Cost of Revenue
-72
Gross Profit
7,058
Gross Margin
101.0%
Operating Income
2,977
Operating Margin
42.6%
Net Income
2,319
Net Margin
33.2%
EPS (Basic)
$5.18
EPS (Diluted)
$5.16
EBITDA
3,602
EBITDA Margin
51.6%
2020
12/31/2020
Revenue
7,676
Cost of Revenue
2,387
Gross Profit
5,289
Gross Margin
68.9%
Operating Income
1,298
Operating Margin
16.9%
Net Income
1,057
Net Margin
13.8%
EPS (Basic)
$2.22
EPS (Diluted)
$2.22
EBITDA
1,876
EBITDA Margin
24.4%