CFG (Citizens Financial Group) Net Loan: $143,246 Mil (As of Mar. 2026)


CFG Citizens Financial Group Inc CFG
70 GF Score
Price $69.86
GF Value $48.26
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Citizens Financial Group Net Loan?

Citizens Financial Group CFG +1.90% 70 Net Loan is $143,246 Mil as of Mar. 2026. GuruFocus rates CFG with a GF Score™ of 70/100 and a GF Value™ of $48.26 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Citizens Financial Group's quarterly net loan increased from Sep. 2025 ($140,232 Mil) to Dec. 2025 ($140,867 Mil) and increased from Dec. 2025 ($140,867 Mil) to Mar. 2026 ($143,246 Mil).

Citizens Financial Group's annual net loan declined from Dec. 2023 ($143,492 Mil) to Dec. 2024 ($140,867 Mil) but then increased from Dec. 2024 ($140,867 Mil) to Dec. 2025 ($143,246 Mil).

Citizens Financial Group Net Loan Historical Data

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The historical data trend for Citizens Financial Group's Net Loan 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 Net Loan Chart

Citizens Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 128,333.00 154,205.00 143,492.00 136,973.00 140,867.00

Citizens Financial Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 138,441.00 139,389.00 140,232.00 140,867.00 143,246.00
CFG
70GF Score
Citizens Financial Group Inc CFG
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Financial Group Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $143,246 Mil mean?
Citizens Financial Group (CFG) has a Net Loan of $143,246 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Citizens Financial Group and its competitors.
Is Citizens Financial Group's Net Loan too high?
Citizens Financial Group's current Net Loan is $143,246 Mil. Overall, Citizens Financial Group has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial Group's Net Loan compare to BAP and RF?
Citizens Financial Group's Net Loan of $143,246 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 Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan 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 Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Citizens Financial Group and its competitors. Citizens Financial Group's current Net Loan is $143,246 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 $69.86 — trading 44.8% above its estimated fair value. The current Net Loan is $143,246 Mil. Citizens Financial Group's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Citizens Financial Group (CFG), the current Net Loan is $143,246 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 $69.86 is trading 44.8% above its estimated GF Value™ of $48.26. GuruFocus considers Citizens Financial Group to be Significantly Overvalued.

Key valuation signals for CFG:

  • Net Loan: $143,246 Mil
  • GF Value™: $48.26 vs. price of $69.86 (44.8% above fair value)
  • GF Score™: 70/100 with 6 warning signs

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 Business Description

Address One Citizens Plaza, Providence, RI, USA, 02903
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.
70GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$69.86
Price
$48.26
GF Value