Citizens Financial Group (MEX:CFG) E10: MXN75.10 (As of Mar. 2026)


MEX:CFG Citizens Financial Group Inc MEX:CFG
59 GF Score
Price MXN1,169.99
GF Value MXN798.88
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Citizens Financial Group E10?

Citizens Financial Group MEX:CFG 59 E10 is MXN75.10 as of Mar. 2026. GuruFocus rates MEX:CFG with a GF Score™ of 59/100 and a GF Value™ of MXN798.88 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Citizens Financial Group's adjusted earnings per share data for the three months ended in Mar. 2026 was MXN20.377. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is MXN75.10 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Citizens Financial Group's average E10 Growth Rate was 8.70% per year. During the past 3 years, the average E10 Growth Rate was 19.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Citizens Financial Group was 19.70% per year. The lowest was 19.70% per year. And the median was 19.70% per year.

As of today (2026-06-28), Citizens Financial Group's current stock price is MXN1169.99. Citizens Financial Group's E10 for the quarter that ended in Mar. 2026 was MXN75.10. Citizens Financial Group's Shiller PE Ratio of today is 15.58.

During the past 13 years, the highest Shiller PE Ratio of Citizens Financial Group was 18.99. The lowest was 6.44. And the median was 11.81.


Citizens Financial Group  (MEX:CFG) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Citizens Financial Group's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=1169.99/75.10
=15.58

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Citizens Financial Group was 18.99. The lowest was 6.44. And the median was 11.81.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Citizens Financial Group E10 Related Terms


Citizens Financial Group E10 Historical Data

* Premium members only.

The historical data trend for Citizens Financial Group's E10 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 E10 Chart

Citizens Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 44.28 83.32 72.96 70.66

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
E10 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 79.49 74.30 63.67 70.66 75.10

MEX:CFG vs BAP, RF, KEY: E10 Comparison

For the Banks - Regional subindustry, Citizens Financial Group's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Citizens Financial Group's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Citizens Financial Group's Shiller PE Ratio falls into.


MEX:CFG
59GF Score
Citizens Financial Group Inc MEX:CFG
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citizens Financial Group E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Citizens Financial Group's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=20.377/330.2130*330.2130
=20.377

Current CPI (Mar. 2026) = 330.2130.

Citizens Financial Group Quarterly Data

per share eps CPI Adj_EPS
201606 8.507 241.018 11.655
201609 10.828 241.428 14.810
201612 11.339 241.432 15.509
201703 11.486 243.801 15.557
201706 11.388 244.955 15.352
201709 12.341 246.819 16.511
201712 26.513 246.524 35.514
201803 14.171 249.554 18.751
201806 17.292 251.989 22.660
201809 17.022 252.439 22.266
201812 18.850 251.233 24.776
201903 17.846 254.202 23.182
201906 18.248 256.143 23.525
201909 19.150 256.759 24.628
201912 18.483 256.974 23.751
202003 0.703 258.115 0.899
202006 12.234 257.797 15.671
202009 15.022 260.280 19.058
202012 19.693 260.474 24.966
202103 28.004 264.877 34.912
202106 28.665 271.696 34.839
202109 24.263 274.310 29.208
202112 24.001 278.802 28.427
202203 18.517 287.504 21.268
202206 13.479 296.311 15.021
202209 24.741 296.808 27.526
202212 24.370 296.797 27.114
202303 18.025 301.836 19.720
202306 15.772 305.109 17.070
202309 14.806 307.789 15.885
202312 5.771 306.746 6.212
202403 10.788 312.332 11.406
202406 14.290 314.175 15.019
202409 15.162 315.301 15.879
202412 17.310 315.605 18.111
202503 15.753 319.799 16.266
202506 17.323 322.561 17.734
202509 19.261 324.800 19.582
202512 20.346 324.054 20.733
202603 20.377 330.213 20.377

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of MXN75.10 mean?
Citizens Financial Group (MEX:CFG) has a E10 of MXN75.10 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Citizens Financial Group and its competitors.
Is Citizens Financial Group's E10 too high?
Citizens Financial Group's current E10 is MXN75.10. Overall, Citizens Financial Group has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial Group's E10 compare to BAP and RF?
Citizens Financial Group's E10 of MXN75.10 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Citizens Financial Group and its competitors. Citizens Financial Group's current E10 is MXN75.10. 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 (MEX:CFG) is currently considered Significantly Overvalued. The stock's GF Value™ is MXN798.88, compared to a current price of MXN1,169.99 — trading 46.5% above its estimated fair value. The current E10 is MXN75.10. Citizens Financial Group's overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Citizens Financial Group (MEX:CFG), the current E10 is MXN75.10 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 (MEX:CFG) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens Financial Group stock appears to be overvalued. The current stock price of MXN1,169.99 is trading 46.5% above its estimated GF Value™ of MXN798.88. GuruFocus considers Citizens Financial Group to be Significantly Overvalued.

Key valuation signals for MEX:CFG:

  • E10: MXN75.10
  • GF Value™: MXN798.88 vs. price of MXN1,169.99 (46.5% above fair value)
  • GF Score™: 59/100 with 6 warning signs

No single metric tells the full story. See the MEX: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.
59GF Score

Get the complete analysis for MEX:CFG

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN1,169.99
Price
MXN798.88
GF Value