Free Cash Flow CAGR:125.72%(TTM)
Free cash flow CAGR uses precomputed cash-flow statement history.
Over longer horizons, Free Cash Flow CAGR averages -11.37% over 3 years and 31.51% over 5 years.The TTM figure compares the trailing 12 months (sum of the latest four quarters) with the 12 months before that. Rows in the history table compare fiscal years, and the quarterly table compares single quarters; the three measure different windows and will differ. Free cash flow CAGR measures how the company's cash generation has grown. FCF represents the cash available for dividends, buybacks, debt reduction, or reinvestment.
CFG Free Cash Flow CAGR Chart
Citizens Financial Group, Inc. (CFG)
CFG Quarterly Free Cash Flow Growth (YoY)
Free Cash Flow growth vs the same quarter one year earlier, last 20 quarters.
CFG Free Cash Flow CAGR History
| Year | Start FCF | End FCF | Change | % Change | CAGR |
|---|---|---|---|---|---|
| 2025 | $1.88B | $2.04B | +$158.00M | +8.41% | +8.41% |
| 2024 | $2.79B | $1.88B | $-910.00M | -32.63% | -32.63% |
| 2023 | $3.99B | $2.79B | $-1.20B | -30.15% | -30.15% |
| 2022 | $2.15B | $3.99B | +$1.84B | +85.63% | +85.63% |
| 2021 | $-7.00M | $2.15B | +$2.16B | N/A | N/A |
| 2020 | $1.60B | $-7.00M | $-1.61B | -100.44% | N/A |
| 2019 | $1.53B | $1.60B | +$67.00M | +4.36% | +4.36% |
| 2018 | $1.44B | $1.53B | +$92.00M | +6.38% | +6.38% |
| 2017 | $1.19B | $1.44B | +$256.00M | +21.57% | +21.57% |
| 2016 | $930.00M | $1.19B | +$257.00M | +27.63% | +27.63% |
| 2015 | $1.08B | $930.00M | $-149.00M | -13.81% | -13.81% |
| 2014 | $2.28B | $1.08B | $-1.20B | -52.70% | -52.70% |
| 2013 | $1.34B | $2.28B | +$938.00M | +69.84% | +69.84% |
| 2012 | $2.11B | $1.34B | $-768.00M | -36.38% | -36.38% |
Quarterly Free Cash Flow: QoQ & YoY
| Quarter | Value | QoQ | YoY |
|---|---|---|---|
| Q1 2026 | $237.00M | — | — |
| Q4 2025 | -$250.00M | — | — |
| Q3 2025 | $1.66B | +94.7% | +1630.2% |
| Q2 2025 | $853.00M | — | +6.1% |
| Q1 2025 | -$227.00M | — | — |
| Q4 2024 | $435.00M | +353.1% | -30.1% |
| Q3 2024 | $96.00M | -88.1% | -90.2% |
| Q2 2024 | $804.00M | +47.8% | +868.7% |
| Q1 2024 | $544.00M | -12.5% | -50.6% |
| Q4 2023 | $622.00M | -36.7% | -57.3% |
| Q3 2023 | $982.00M | +1083.1% | -66.3% |
| Q2 2023 | $83.00M | -92.5% | — |
| Q1 2023 | $1.10B | -24.3% | -26.7% |
| Q4 2022 | $1.46B | -50.1% | +40.0% |
| Q3 2022 | $2.92B | — | +132.6% |
| Q2 2022 | -$1.88B | — | — |
QoQ = change vs the prior quarter; YoY = change vs the same quarter a year earlier.
About Citizens Financial Group, Inc.
Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive suite of retail and commercial banking solutions across the United States. It serves a broad spectrum of clients, from individual consumers and small enterprises to large corporations and various institutions. Its business is segmented into two primary divisions: Consumer Banking and Commercial Banking. The Consumer Banking division delivers a robust array of products, encompassing deposit accounts, mortgage and home equity lending, credit cards, and business loans for smaller entities. It also provides wealth management, investment services, and specialized financing for areas like auto, education, and point-of-sale purchases, alongside digital deposit solutions. Clients engage with this segment through contact centers and its advanced online and mobile banking platforms. Conversely, the Commercial Banking segment provides sophisticated financial solutions designed for corporate and institutional clients. These include a wide range of lending and leasing products, treasury and deposit management services, foreign exchange, and risk mitigation tools for interest rates and commodities. Additionally, it offers syndicated loans, corporate finance advice, merger and acquisition (M&A) assistance, and capital markets services for debt and equity. Its client roster spans numerous industries, such as government, non-profit, healthcare, technology, professional services, energy (oil and gas), asset and franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance. The company boasts a substantial physical presence, operating approximately 1,200 branches across 14 states and the District of Columbia. Complementing these are 114 non-branch retail and commercial offices in key national markets and a network of roughly 3,300 automated teller machines. Founded in 1828, Citizens Financial Group, Inc. is headquartered in Providence, Rhode Island. It adopted its current name in April 2014, having previously operated as RBS Citizens Financial Group, Inc.
- Sector
- Financial Services
- Industry
- Banks - Regional
- CEO
- Bruce Winfield Van Saun