Citizens Financial GroupCFG +0.68%67 ROE % is 7.88% as of Mar. 2026, which is 2% above its 10-year median of 7.75. 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 1,524 Banks companies, Citizens Financial Group ranks worse than 67.06% on this metric.
The historical rank and industry rank for Citizens Financial Group's ROE % or its related term are showing as below:
CFG'
s ROE % Range Over the Past 10 Years
Min: 4.71 Med: 7.75 Max: 10.06
Current: 7.69
During the past 13 years, Citizens Financial Group's highest ROE % was 10.06%. The lowest was 4.71%. And the median was 7.75%.
CFG's ROE % is ranked worse than 67.06% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs CFG: 7.69
Citizens Financial Group (NYSE:CFG) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Group's ROE % distribution charts can be found below:
* The bar in red indicates where Citizens Financial Group's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Citizens Financial Group (CFG) has a ROE % of 7.88% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Citizens Financial Group and its competitors. This is near median its historical median of 7.75. Over the past decade, Citizens Financial Group's ROE % has ranged from 4.71 to 10.06. According to the industry distribution chart, Citizens Financial Group ranks #1022 out of 1524 companies in the Banks industry, placing it in the top 67.1%.
Is Citizens Financial Group's ROE % too high?
Citizens Financial Group's current ROE % of 7.88% is near median its 10-year median of 7.75. Over the past 10 years, this metric has ranged from a low of 4.71 to a high of 10.06. The Banks industry median ROE % is 10.22. Citizens Financial Group's value of 7.88% is 22.9% below this industry median. Based on the distribution chart, Citizens Financial Group ranks #1022 out of 1524 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 ROE % compare to BAP and RF?
According to the Banks industry distribution chart, Citizens Financial Group ranks #1022 out of 1524 companies for ROE %. This places Citizens Financial Group in the lower half of its industry. The industry median ROE % is 10.22. Citizens Financial Group's value of 7.88% is 22.9% below this benchmark. Historically, Citizens Financial Group's own ROE % has ranged from 4.71 to 10.06 over the past decade. While the company's 10-year median is 7.75 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Group's current ROE % of 7.88% is 22.9% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Citizens Financial Group and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Group's current ROE % is 7.88%, which is near median its own 10-year median of 7.75. 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 $48.03, compared to a current price of $69.46 — trading 44.6% above its estimated fair value. The current ROE % is 7.88%, which is near median its 10-year median of 7.75 and 22.9% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Citizens Financial Group (CFG), the current ROE % is 7.88% 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 $69.46 is trading 44.6% above its estimated GF Value™ of $48.03.
GuruFocus considers Citizens Financial Group to be Significantly Overvalued.
Key valuation signals for CFG:
ROE %: 7.88% (near median its 10-year median of 7.75)
GF Value™: $48.03 vs. price of $69.46 (44.6% above fair value)
Industry Position: 22.9% below the Banks median (#1022 of 1524)
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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