All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2026-10-30.
From the record
Citizens Financial Group, Inc.'s filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2026-10-30) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+5.1% a year over 10 filed years; profitable in 10 of 10.
From the record
Citizens Financial Group, Inc.'s 10 filed years say what it did: revenue went from $5.3 billion in fiscal 2016 to $8.2 billion in fiscal 2025, up 5.1% a year; it rose in 7 of 9 years; the deepest fall was 5% from fiscal 2023 to fiscal 2024; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 2.9% a year. 68% of cash flow returned. Insiders: 3 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Citizens Financial Group, Inc.'s diluted share count shrank about 2.9% a year, and dividends and buybacks returned about 68% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 3 sales and 0 purchases of their own stock on the open market in the year to 2026-11-03 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 7%: 7¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Citizens Financial Group, Inc. earned about 7 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count shrank 3.7% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 49% of 155 in its family; net margin 22.2%.
From the record
Citizens Financial Group, Inc.'s standing among 155 graded names in its industry family: revenue of $8.2 billion in fiscal 2025 ranks in the top 5% by size; a net margin of 22.2% ranks in the top 45%; revenue growth of 0.9% a year over the last 3 filed years ranks in the bottom 4% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 44% of 150 in its family for leadership; chief executive since 2014.
From the record
Citizens Financial Group, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Van, Saun Bruce (Chairman and CEO, as filed), filing under that title since 2014-09-23, 12.1 years (top 23% of its family); the 24 officers and directors filing in the last fifteen months have been on the record a median of 5.3 years (bottom 19%); 9 officer or director changes were reported on Form 8-K since 2023-11-13, against the 24 people in charge now (bottom 36%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 39% of 142 in its family for room to expand.
From the record
Citizens Financial Group, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $13 billion against debt of $11 billion leaves 0.7% of its assets as net cash, bottom 15% of its family; cash from operations less capital spending is 26.8% of revenue (top 37%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 25% of 152 in its family for growth drivers.
From the record
Citizens Financial Group, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 0.9% a year over the last three filed years against 5.1% over all 10, slowing (bottom 10% of its family); the newest year grew 5.6% (top 45%); capital spending grew -29.4% a year (bottom 11%) (its annual reports). Citizens Financial Group, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 30% of 150 in its family for expectations against reality.
From the record
Citizens Financial Group, Inc.'s newest year against its own record: revenue of $8.2 billion in fiscal 2025 came in 7% above the $7.7 billion its prior three years' pace pointed to (top 7% of its family); net income of $1.8 billion against a prior three-year average of $1.7 billion (bottom 36%); a net margin of 22.2% against 21.6% before (top 19%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made