Citizens Financial Group (BSP:C1FG34) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BSP:C1FG34 Citizens Financial Group Inc BSP:C1FG34
10 GF Score
Price R$369.26
GF Value R$253.17
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Citizens Financial Group Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Citizens Financial Group Quality Rank Related Terms

BSP:C1FG34
10GF Score
Citizens Financial Group Inc BSP:C1FG34
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Citizens Financial Group (BSP:C1FG34) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens Financial Group stock appears to be overvalued. The current stock price of R$369.26 is trading 45.9% above its estimated GF Value™ of R$253.17. GuruFocus considers Citizens Financial Group to be Significantly Overvalued.

Key valuation signals for BSP:C1FG34:

  • Quality Rank:
  • GF Value™: R$253.17 vs. price of R$369.26 (45.9% above fair value)
  • GF Score™: 10/100 with 7 warning signs

No single metric tells the full story. See the BSP:C1FG34 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.
10GF Score

Get the complete analysis for BSP:C1FG34

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

R$369.26
Price
R$253.17
GF Value