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During the past 12 months, Citizens Financial Group's average EPS without NRI Growth Rate was 38.40% per year.
During the past 3 years, the average EPS without NRI Growth Rate was -7.60% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 1.70% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 8.00% 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Citizens Financial Group was 29.80% per year. The lowest was -15.30% per year. And the median was 15.65% per year.
Citizens Financial Group (NYSE:CFG) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Citizens Financial Group 3-Year EPS without NRI Growth Rate Related Terms
CFG vs BAP, RF, HBAN: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Citizens Financial Group's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Group's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Citizens Financial Group's 3-Year EPS without NRI Growth Rate falls into.
Citizens Financial Group 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of -7.60% mean?
Citizens Financial Group (CFG) has a 3-Year EPS without NRI Growth Rate of -7.60% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Citizens Financial Group and its competitors. According to the industry distribution chart, Citizens Financial Group ranks #1188 out of 1409 companies in the Banks industry, placing it in the top 84.3%.
Is Citizens Financial Group's 3-Year EPS without NRI Growth Rate too high?
Citizens Financial Group's current 3-Year EPS without NRI Growth Rate is -7.60%. Based on the distribution chart, Citizens Financial Group ranks #1188 out of 1409 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 3-Year EPS without NRI Growth Rate compare to BAP and RF?
According to the Banks industry distribution chart, Citizens Financial Group ranks #1188 out of 1409 companies for 3-Year EPS without NRI Growth Rate. This places Citizens Financial Group in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,409 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Citizens Financial Group and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Group's current 3-Year EPS without NRI Growth Rate is -7.60%. 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 $52.17, compared to a current price of $70.18 — trading 34.5% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is -7.60%. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Citizens Financial Group (CFG), the current 3-Year EPS without NRI Growth Rate is -7.60% 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 $70.18 is trading 34.5% above its estimated GF Value™ of $52.17.
GuruFocus considers Citizens Financial Group to be Significantly Overvalued.
Key valuation signals for CFG:
3-Year EPS without NRI Growth Rate: -7.60%
GF Value™: $52.17 vs. price of $70.18 (34.5% 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.
70GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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