Citizens Financial Group, Inc.
Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage … Read more
Citizens Financial Group, Inc. (CFG) - Net Assets
Latest net assets as of December 2025: $26.32 Billion USD
Based on the latest financial reports, Citizens Financial Group, Inc. (CFG) has net assets worth $26.32 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($226.35 Billion) and total liabilities ($200.03 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $26.32 Billion |
| % of Total Assets | 11.63% |
| Annual Growth Rate | 0.67% |
| 5-Year Change | 12.37% |
| 10-Year Change | 33.27% |
| Growth Volatility | 6.6 |
Citizens Financial Group, Inc. - Net Assets Trend (2012–2025)
This chart illustrates how Citizens Financial Group, Inc.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Citizens Financial Group, Inc. (2012–2025)
The table below shows the annual net assets of Citizens Financial Group, Inc. from 2012 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $26.32 Billion | +8.51% |
| 2024-12-31 | $24.25 Billion | -0.36% |
| 2023-12-31 | $24.34 Billion | +2.75% |
| 2022-12-31 | $23.69 Billion | +1.15% |
| 2021-12-31 | $23.42 Billion | +3.29% |
| 2020-12-31 | $22.67 Billion | +2.13% |
| 2019-12-31 | $22.20 Billion | +6.65% |
| 2018-12-31 | $20.82 Billion | +2.70% |
| 2017-12-31 | $20.27 Billion | +2.65% |
| 2016-12-31 | $19.75 Billion | +0.51% |
| 2015-12-31 | $19.65 Billion | +1.96% |
| 2014-12-31 | $19.27 Billion | +0.38% |
| 2013-12-31 | $19.20 Billion | -20.44% |
| 2012-12-31 | $24.13 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Citizens Financial Group, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 94.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $11.35 Billion | 43.11% |
| Common Stock | $7.00 Million | 0.03% |
| Other Comprehensive Income | $-1.97 Billion | -7.49% |
| Other Components | $16.93 Billion | 64.35% |
| Total Equity | $26.32 Billion | 100.00% |
Citizens Financial Group, Inc. Competitors by Market Cap
The table below lists competitors of Citizens Financial Group, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Pan American Silver Corp.
NYSE:PAAS
|
$23.77 Billion |
|
Coterra Energy Inc
NYSE:CTRA
|
$23.80 Billion |
|
Sumitomo Realty & Development Co. Ltd
PINK:SURDF
|
$23.82 Billion |
|
Luckin Coffee Inc.
LSE:0A6U
|
$23.84 Billion |
|
Steel Dynamics Inc
NASDAQ:STLD
|
$23.69 Billion |
|
Darden Restaurants Inc
NYSE:DRI
|
$23.69 Billion |
|
Jabil Inc
F:JBL
|
$23.66 Billion |
|
The Hartford Financial Services Group, Inc.
SA:H1IG34
|
$23.63 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Citizens Financial Group, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 24,254,000,000 to 26,317,000,000, a change of 2,063,000,000 (8.5%).
- Net income of 1,831,000,000 contributed positively to equity growth.
- Dividend payments of 888,000,000 reduced retained earnings.
- Share repurchases of 1,000,000,000 reduced equity.
- New share issuances of 393,000,000 increased equity.
- Other comprehensive income increased equity by 1,625,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $1.83 Billion | +6.96% |
| Dividends Paid | $888.00 Million | -3.37% |
| Share Repurchases | $1.00 Billion | -3.8% |
| Share Issuances | $393.00 Million | +1.49% |
| Other Comprehensive Income | $1.62 Billion | +6.17% |
| Other Changes | $102.00 Million | +0.39% |
| Total Change | $- | 8.51% |
Book Value vs Market Value Analysis
This analysis compares Citizens Financial Group, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.93x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.31x to 0.93x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2012-12-31 | $43.09 | $56.36 | x |
| 2013-12-31 | $34.28 | $56.36 | x |
| 2014-12-31 | $34.55 | $56.36 | x |
| 2015-12-31 | $36.50 | $56.36 | x |
| 2016-12-31 | $37.69 | $56.36 | x |
| 2017-12-31 | $40.24 | $56.36 | x |
| 2018-12-31 | $43.33 | $56.36 | x |
| 2019-12-31 | $49.20 | $56.36 | x |
| 2020-12-31 | $52.95 | $56.36 | x |
| 2021-12-31 | $54.79 | $56.36 | x |
| 2022-12-31 | $49.58 | $56.36 | x |
| 2023-12-31 | $51.06 | $56.36 | x |
| 2024-12-31 | $53.48 | $56.36 | x |
| 2025-12-31 | $60.43 | $56.36 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Citizens Financial Group, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 6.96%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 16.42%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 8.60x
- Recent ROE (6.96%) is above the historical average (4.75%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2012 | 2.66% | 11.66% | 0.04x | 5.27x | $-1.77 Billion |
| 2013 | -17.85% | -66.74% | 0.04x | 6.36x | $-5.35 Billion |
| 2014 | 4.49% | 17.12% | 0.04x | 6.90x | $-1.06 Billion |
| 2015 | 4.28% | 15.92% | 0.04x | 7.03x | $-1.12 Billion |
| 2016 | 5.29% | 18.13% | 0.04x | 7.57x | $-929.70 Million |
| 2017 | 8.15% | 25.60% | 0.04x | 7.52x | $-375.00 Million |
| 2018 | 8.27% | 23.40% | 0.05x | 7.71x | $-360.70 Million |
| 2019 | 8.07% | 22.20% | 0.05x | 7.47x | $-429.10 Million |
| 2020 | 4.66% | 13.77% | 0.04x | 8.09x | $-1.21 Billion |
| 2021 | 9.90% | 33.19% | 0.04x | 8.04x | $-23.00 Million |
| 2022 | 8.75% | 22.86% | 0.04x | 9.57x | $-296.00 Million |
| 2023 | 6.61% | 13.19% | 0.05x | 9.12x | $-826.20 Million |
| 2024 | 6.22% | 12.22% | 0.06x | 8.97x | $-916.40 Million |
| 2025 | 6.96% | 16.42% | 0.05x | 8.60x | $-800.70 Million |
Industry Comparison
This section compares Citizens Financial Group, Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $16,924,188,763
- Average return on equity (ROE) among peers: 8.48%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Citizens Financial Group, Inc. (CFG) | $26.32 Billion | 2.66% | 7.60x | $23.71 Billion |
| Ameris Bancorp (ABCB) | $293.77 Million | 7.18% | 9.19x | $4.91 Billion |
| ACNB Corporation (ACNB) | $49.44 Million | 14.38% | 8.56x | $474.47 Million |
| Addiko Bank AG (ADBKF) | $851.70 Million | 0.16% | 5.94x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $117.10 Million | 6.09% | 5.76x | $79.30 Million |
| Absa Group Limited (AGRPF) | $85.20 Billion | 14.06% | 10.26x | $6.72 Billion |
| AIB Group plc (AIBGY) | $13.66 Billion | 4.74% | 8.36x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $62.92 Billion | 9.95% | 6.60x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $5.78 Billion | 1.48% | 10.55x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $18.00 Million | 9.85% | 14.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |