Citizens Financial Group (CFG) Q2 2025 10-Q Quarterly Report
Citizens Financial Group (CFG) 10-Q quarterly report for Q2 2025, filed with SEC EDGAR on Aug 4, 2025 for the fiscal period ending Jun 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
Citizens Financial Group Q2 2025 10-Q Analysis
Risk Factors
- • New risk: Sale of $1.9B Non-Core education loans with $25M charge-off covered by reserves, triggered by strategic portfolio runoff in 2025
- • Updated risk: Share repurchase program increased to $1.5B from $300M, reflecting enhanced capital return strategy as of June 13, 2025
- • Regulatory risk: Lower FDIC deposit insurance costs contributed to $26M expense reduction, indicating regulatory premium adjustments impacting expenses
- • Operational risk: Hiring for Private Bank/Wealth build-out increased salaries by $18M, highlighting growth investments affecting cost structure
- • Financial risk: Tangible book value per share rose 9% to $35.23, driven by $1.0B tangible equity increase and 8M share reduction, impacting capital metrics
Citizens Financial Group Q2 2025 Quarterly FinancialsXBRL
Revenue
$383M
▼ -4.7% YoY▲ +4.4% QoQ
Net Income
$436M
▲ +11.2% YoY▲ +16.9% QoQ
Net Margin
113.8%
▲ +1633bp YoY▲ +1220bp QoQ
EPS (Diluted)
$0.92
▲ +16.5% YoY▲ +19.5% QoQ
Operating Cash Flow
$886M
▲ +6.2% YoY▲ +516.0% QoQ
Source: XBRL data from Citizens Financial Group Q2 2025 10-Q filing on SEC EDGAR. All figures in USD.
Other Citizens Financial Group Quarterly Reports
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