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Citizens Financial Group, Inc.

LSE:0HYP.LFinancial Services

——At close · Market cap — · Next earnings Wed 20 Jan

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	100.0%	97.9%	81.1%	306.5%	57.1%	63.4%	—	—
Operating margin	33.7%	43.4%	32.3%	97.1%	16.6%	19.3%	19.3%	+0.0 pts
Net margin	20.0%	32.2%	22.3%	71.3%	12.1%	15.2%	15.2%	+0.0 pts
EBITDA margin	44.6%	48.2%	38.3%	118.3%	20.6%	23.3%	—	—
Return on equity	4.7%	9.9%	8.8%	6.6%	6.2%	7.0%	7.0%	+0.0 pts
Return on assets	0.6%	1.2%	0.9%	0.7%	0.7%	0.8%	0.8%	+0.0 pts
Return on capital employed	2.0%	3.6%	1.3%	1.0%	1.0%	1.0%	—	—
Debt / equity	0.4×	0.3×	0.7×	0.6×	0.6×	0.5×	0.5×	+0.0%
Debt / assets	5.1%	4.1%	7.5%	6.7%	6.1%	5.4%	—	—
Interest coverage	6.8×	17.5×	7.6×	0.0×	0.0×	0.6×	—	—
Current ratio	0.1×	0.1×	12.3×	9.8×	6.8×	18.0×	18.0×	+0.0%
Quick ratio	0.1×	0.1×	12.3×	9.8×	6.8×	18.0×	—	—
Cash ratio	0.1×	0.1×	11.0×	9.8×	6.8×	16.7×	16.7×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.1×	0.1×	—	—
Receivables turnover	—	—	—	—	—	12.5×	—	—
Dividend payout	72.8%	33.8%	43.0%	57.7%	59.8%	48.5%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.