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Citizens Financial GroupCFG -0.07%70 Cash-to-Debt is 0.85 as of Jun. 2026, which is 13% above its 10-year median of 0.75. GuruFocus rates CFG with a GF Score™ of 70/100 and a GF Value™ of $52.33 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,496 Banks companies, Citizens Financial Group ranks worse than 62.43% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Citizens Financial Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.85.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Citizens Financial Groupcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Citizens Financial Group's Cash-to-Debt or its related term are showing as below:
CFG'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.16 Med: 0.75 Max: 2.01
Current: 0.85
During the past 13 years, Citizens Financial Group's highest Cash to Debt Ratio was 2.01. The lowest was 0.16. And the median was 0.75.
CFG's Cash-to-Debt is ranked worse than 62.43% of 1496
companies
in the Banks industry
Industry Median: 1.38
vs CFG: 0.85
Citizens Financial Group (NYSE:CFG) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Citizens Financial Group Cash-to-Debt Related Terms
Citizens Financial Group Cash-to-Debt Historical Data
* 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Citizens Financial Group's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citizens Financial Group Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Citizens Financial Group's Cash-to-Debt falls into.
* 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 (CFG) has a Cash-to-Debt of 0.85 as of Jun. 2026. This is 13% above median its historical median of 0.75. Over the past decade, Citizens Financial Group's Cash-to-Debt has ranged from 0.16 to 2.01. According to the industry distribution chart, Citizens Financial Group ranks #934 out of 1496 companies in the Banks industry, placing it in the top 62.4%.
Is Citizens Financial Group's Cash-to-Debt too high?
Citizens Financial Group's current Cash-to-Debt of 0.85 is 13% above median its 10-year median of 0.75. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 2.01. The Banks industry median Cash-to-Debt is 1.38. Citizens Financial Group's value of 0.85 is 38.4% below this industry median. Based on the distribution chart, Citizens Financial Group ranks #934 out of 1496 companies in the Banks industry, which is below the industry midpoint. 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 Cash-to-Debt compare to BAP and RF?
According to the Banks industry distribution chart, Citizens Financial Group ranks #934 out of 1496 companies for Cash-to-Debt. This places Citizens Financial Group in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Citizens Financial Group's value of 0.85 is 38.4% below this benchmark. Historically, Citizens Financial Group's own Cash-to-Debt has ranged from 0.16 to 2.01 over the past decade. While the company's 10-year median is 0.75 vs. the industry median of 1.38, Citizens Financial Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Group's current Cash-to-Debt of 0.85 is 38.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Group's current Cash-to-Debt is 0.85, which is 13% above median its own 10-year median of 0.75. 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 $52.33, compared to a current price of $70.78 — trading 35.3% above its estimated fair value. The current Cash-to-Debt is 0.85, which is 13% above median its 10-year median of 0.75 and 38.4% below the Banks industry median of 1.38. Citizens Financial Group's overall GF Score™ is 70/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Citizens Financial Group (CFG), the current Cash-to-Debt is 0.85 as of Jun. 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 $70.78 is trading 35.3% above its estimated GF Value™ of $52.33.
GuruFocus considers Citizens Financial Group to be Significantly Overvalued.
Key valuation signals for CFG:
Cash-to-Debt: 0.85 (13% above median its 10-year median of 0.75)
GF Value™: $52.33 vs. price of $70.78 (35.3% above fair value)
Industry Position: 38.4% below the Banks median (#934 of 1496)
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.
70GF Score
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Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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