Citizens Financial Group, Inc. (CFG) — Cash Flow Quality Index
Citizens Financial Group, Inc. (CFG) has a Cash Flow Quality Index of 0.46x as of March 2026. Operating cash flow of $237.00 Million is below net income of $517.00 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Citizens Financial Group, Inc. debt service capacity to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Citizens Financial Group, Inc. Cash Flow Quality Index (2011–2025)
Historical Cash Flow Quality Index for Citizens Financial Group, Inc. across 14 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see CFG cash flow conversion.
Annual Cash Flow Quality Index for Citizens Financial Group, Inc. (2011–2025)
Year-by-year earnings quality comparison for Citizens Financial Group, Inc..
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.21x | $2.21 Billion | $1.83 Billion | ▼ -8.9% |
| 2024 | 1.33x | $2.00 Billion | $1.51 Billion | ▼ -28.0% |
| 2023 | 1.84x | $2.96 Billion | $1.61 Billion | ▼ -7.3% |
| 2022 | 1.99x | $4.12 Billion | $2.07 Billion | ▲ +102.5% |
| 2021 | 0.98x | $2.27 Billion | $2.32 Billion | ▲ +834.2% |
| 2020 | 0.11x | $111.00 Million | $1.06 Billion | ▼ -88.9% |
| 2019 | 0.95x | $1.70 Billion | $1.79 Billion | ▼ -7.7% |
| 2018 | 1.03x | $1.77 Billion | $1.72 Billion | ▼ -9.9% |
| 2017 | 1.14x | $1.88 Billion | $1.65 Billion | ▼ -20.1% |
| 2016 | 1.43x | $1.49 Billion | $1.04 Billion | ▼ -2.5% |
| 2015 | 1.46x | $1.23 Billion | $840.00 Million | ▼ -9.0% |
| 2014 | 1.61x | $1.39 Billion | $865.00 Million | ▼ -39.7% |
| 2012 | 2.67x | $1.71 Billion | $643.00 Million | ▼ -45.6% |
| 2011 | 4.90x | $2.48 Billion | $506.00 Million | — |