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 CFG long-term investment intensity to see how much of total assets are deployed in long-term investments.
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. Check Citizens Financial Group, Inc. tangible equity quality to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Citizens Financial Group, Inc. (2011–2025)
Year-by-year earnings quality comparison for Citizens Financial Group, Inc.. For live market cap and the full company financial profile, see CFG market cap.
| 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 | — |