Citizens Financial GroupCFG +0.71%67 Net Margin % is 23.85% as of Mar. 2026, which is 1% below its 10-year median of 24.02. GuruFocus rates CFG with a GF Score™ of 67/100 and a GF Value™ of $48.03 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Citizens Financial Group ranks worse than 62.15% on this metric.
The historical rank and industry rank for Citizens Financial Group's Net Margin % or its related term are showing as below:
CFG'
s Net Margin % Range Over the Past 10 Years
Min: 15.31 Med: 24.02 Max: 34.89
Current: 23.29
CFG's Net Margin % is ranked worse than 62.15% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs CFG: 23.29
Citizens Financial Group (NYSE:CFG) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Citizens Financial Group Net Margin % Related Terms
Citizens Financial Group Net Margin % 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.
For the Banks - Regional subindustry, Citizens Financial Group's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Financial Group's Net Margin % 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 Net Margin % of 23.85% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Citizens Financial Group and its competitors. This is near median its historical median of 24.02. Over the past decade, Citizens Financial Group's Net Margin % has ranged from 15.31 to 34.89. According to the industry distribution chart, Citizens Financial Group ranks #949 out of 1527 companies in the Banks industry, placing it in the top 62.1%.
Is Citizens Financial Group's Net Margin % too high?
Citizens Financial Group's current Net Margin % of 23.85% is near median its 10-year median of 24.02. Over the past 10 years, this metric has ranged from a low of 15.31 to a high of 34.89. The Banks industry median Net Margin % is 26.95. Citizens Financial Group's value of 23.85% is 11.5% below this industry median. Based on the distribution chart, Citizens Financial Group ranks #949 out of 1527 companies in the Banks industry, which is below the industry midpoint. 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 Net Margin % compare to BAP and RF?
According to the Banks industry distribution chart, Citizens Financial Group ranks #949 out of 1527 companies for Net Margin %. This places Citizens Financial Group in the lower half of its industry. The industry median Net Margin % is 26.95. Citizens Financial Group's value of 23.85% is 11.5% below this benchmark. Historically, Citizens Financial Group's own Net Margin % has ranged from 15.31 to 34.89 over the past decade. While the company's 10-year median is 24.02 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Group's current Net Margin % of 23.85% is 11.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Citizens Financial Group and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Group's current Net Margin % is 23.85%, which is near median its own 10-year median of 24.02. 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 $48.03, compared to a current price of $69.48 — trading 44.7% above its estimated fair value. The current Net Margin % is 23.85%, which is near median its 10-year median of 24.02 and 11.5% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Citizens Financial Group (CFG), the current Net Margin % is 23.85% 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 $69.48 is trading 44.7% above its estimated GF Value™ of $48.03.
GuruFocus considers Citizens Financial Group to be Significantly Overvalued.
Key valuation signals for CFG:
Net Margin %: 23.85% (near median its 10-year median of 24.02)
GF Value™: $48.03 vs. price of $69.48 (44.7% above fair value)
Industry Position: 11.5% below the Banks median (#949 of 1527)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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