Cash from financing is the cash generated/spent from financial activities such as share issuance (buy back), debt issuance (repayment), and dividends paid to preferred and common stockholders.
For the
three
months ended in Mar. 2026,
Citizens Financial Group paid$300 Mil more to buy back shares than it received from issuing new shares.
It received$1,025 Mil from issuing more debt.
It paid$0 Mil more to buy back preferred shares than it received from issuing preferred shares.
It spent$236 Mil paying cash dividends to shareholders.
It received$679 Mil on other financial activities.
In all, Citizens Financial Groupearned$1,168 Mil on financial activities for the
three
months ended in Mar. 2026.
Citizens Financial Group (NYSE:CFG) Cash Flow from Financing Explanation
Cash from financing contains six items:
1. Issuance of Stock:
A company may raise cash from issuing new shares. Issuance of stock represents the cash inflow from offering common stock, which is the additional capital contribution to the entity during the period.
Citizens Financial Group's issuance of stock for the
three
months ended in Mar. 2026 was $0 Mil.
2. Repurchase of Stock:
A company may raise cash from issuing new shares. It can also use cash to buy back shares. Repurchase of stock represents the cash outflow to reacquire common stock during the period.
Citizens Financial Group's repurchase of stock for the
three
months ended in Mar. 2026 was $-300 Mil.
3. Net Issuance of Debt:
Net issuance of debt is the cash a company received or spent through debt related activities such as debt issuance or debt repayment. If a company pays down its debt during the period, this number will be negative. If a company issued more debt, it receives cash and this number is positive.
Citizens Financial Group's net issuance of debt for the
three
months ended in Mar. 2026 was $1,025 Mil.
Citizens Financial Group received$1,025 Mil from issuing more debt.
4. Net Issuance of Preferred Stock:
A company may raise cash from issuing new preferred shares. It can also use cash to buy back preferred shares. If this number is positive, it means that the company has received more cash from issuing preferred shares than it has paid to buy back preferred shares. If this number is negative, it means that company has paid more cash to buy back preferred shares than it has received for issuing preferred shares.
Citizens Financial Group's net issuance of preferred for the
three
months ended in Mar. 2026 was $0 Mil.
Citizens Financial Group paid$0 Mil more to buy back preferred shares than it received from issuing preferred shares.
5. Cash Flow for Dividends:
Cash flow for dividends refers to the payment of cash to shareholders as dividends when the company generates income.
Citizens Financial Group's cash flow for dividends for the
three
months ended in Mar. 2026 was $-236 Mil.
Citizens Financial Group spent$236 Mil paying cash dividends to shareholders.
6. Other Financing:
Money spent or earned by company from other financial activities.
Citizens Financial Group's other financing for the
three
months ended in Mar. 2026 was $679 Mil.
Citizens Financial Group received$679 Mil on other financial activities.
Citizens Financial Group Cash Flow from Financing Related Terms
Citizens Financial Group Cash Flow from Financing Historical Data
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The historical data trend for Citizens Financial Group's Cash Flow from Financing can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citizens Financial Group Cash Flow from Financing Chart
Citizens Financial Group Cash Flow from Financing Calculation
This is the cash generated/spent from financial activities such as share issuance (buy back), debt issuance (repayment), and dividends paid to preferred and common stockholders. In the calculation of free cash flow, cash from financing is not calculated because it is not related to operating activities.
Citizens Financial Group's Cash from Financing for the fiscal year that ended in Dec. 2025 is calculated as:
Cash Flow from Financing for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4,789 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Cash Flow from Financing of $4,789 Mil mean?
Citizens Financial Group (CFG) has a Cash Flow from Financing of $4,789 Mil as of Mar. 2026. Cash Flow from Financing is the amount of cash earned or paid from financing operations. View historical data for Citizens Financial Group and its competitors.
Is Citizens Financial Group's Cash Flow from Financing too high?
Citizens Financial Group's current Cash Flow from Financing is $4,789 Mil. Overall, Citizens Financial Group has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial Group's Cash Flow from Financing compare to BAP and RF?
Citizens Financial Group's Cash Flow from Financing of $4,789 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Flow from Financing for a Banks company?
A good Cash Flow from Financing depends on the Banks industry context. However, Cash Flow from Financing should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Flow from Financing mean?
A high Cash Flow from Financing can signal that a stock is expensive relative to its fundamentals. Cash Flow from Financing is the amount of cash earned or paid from financing operations. View historical data for Citizens Financial Group and its competitors. Citizens Financial Group's current Cash Flow from Financing is $4,789 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Citizens Financial Group (CFG) is currently considered Significantly Overvalued. The stock's GF Value™ is $48.26, compared to a current price of $68.56 — trading 42.1% above its estimated fair value. The current Cash Flow from Financing is $4,789 Mil. Citizens Financial Group's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Flow from Financing calculated?
Cash Flow from Financing is calculated from a company's financial statements. For Citizens Financial Group (CFG), the current Cash Flow from Financing is $4,789 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citizens Financial Group (CFG) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Financial Group stock appears to be overvalued.
The current stock price of $68.56 is trading 42.1% above its estimated GF Value™ of $48.26.
GuruFocus considers Citizens Financial Group to be Significantly Overvalued.
Key valuation signals for CFG:
Cash Flow from Financing: $4,789 Mil
GF Value™: $48.26 vs. price of $68.56 (42.1% above fair value)
No single metric tells the full story. See the CFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island. Through its subsidiaries, it offers various retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. The group's reportable business segments are: Consumer Banking and Commercial Banking. The majority of its revenue is generated from the Consumer Banking segment, which serves consumer customers and small businesses, offering traditional banking products and services, including deposits, mortgage and home equity lending, credit cards, small business loans, education loans, point-of-sale finance loans, and wealth management solutions, among others, through a network of branches and ATMs.
67GF Score
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Cash Flow from Financing is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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