CFG (Citizens Financial Group) Selling, General, & Admin. Expense: $3,176 Mil (TTM As of Mar. 2026)


CFG Citizens Financial Group Inc CFG
70 GF Score
Price $69.30
GF Value $48.26
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Citizens Financial Group Selling, General, & Admin. Expense?

Citizens Financial Group CFG +1.07% 70 Selling, General, & Admin. Expense is $3,176 Mil as of Mar. 2026. GuruFocus rates CFG with a GF Score™ of 70/100 and a GF Value™ of $48.26 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. Citizens Financial Group's selling, general, & admin. expense for the three months ended in Mar. 2026 was $829 Mil. Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Mar. 2026 was $3,176 Mil.


Citizens Financial Group  (NYSE:CFG) Selling, General, & Admin. Expense Explanation

An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.

Warren Buffett likes companies with consistent SGA as the percentage of gross profit.

Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.

If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.


Citizens Financial Group Selling, General, & Admin. Expense Related Terms


Citizens Financial Group Selling, General, & Admin. Expense Historical Data

* Premium members only.

The historical data trend for Citizens Financial Group's Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense Chart

Citizens Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Selling, General, & Admin. Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,309.00 2,811.00 2,951.00 2,989.00 3,121.00

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
Selling, General, & Admin. Expense 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 774.00 764.00 781.00 802.00 829.00

CFG vs BAP, RF, KEY: Selling, General, & Admin. Expense Comparison

For the Banks - Regional subindustry, Citizens Financial Group's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry

For the Banks industry and Financial Services sector, Citizens Financial Group's Selling, General, & Admin. Expense distribution charts can be found below:

* The bar in red indicates where Citizens Financial Group's Selling, General, & Admin. Expense falls into.


CFG
70GF Score
Citizens Financial Group Inc CFG
Selling, General, & Admin. Expense is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citizens Financial Group Selling, General, & Admin. Expense Calculation

Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.

Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3,176 Mil.

* 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.

What does a Selling, General, & Admin. Expense of $3,176 Mil mean?
Citizens Financial Group (CFG) has a Selling, General, & Admin. Expense of $3,176 Mil as of Mar. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Citizens Financial Group and its competitors.
Is Citizens Financial Group's Selling, General, & Admin. Expense too high?
Citizens Financial Group's current Selling, General, & Admin. Expense is $3,176 Mil. 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 Selling, General, & Admin. Expense compare to BAP and RF?
Citizens Financial Group's Selling, General, & Admin. Expense of $3,176 Mil 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 Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Citizens Financial Group and its competitors. Citizens Financial Group's current Selling, General, & Admin. Expense is $3,176 Mil. 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 $48.26, compared to a current price of $69.30 — trading 43.6% above its estimated fair value. The current Selling, General, & Admin. Expense is $3,176 Mil. Citizens Financial Group's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For Citizens Financial Group (CFG), the current Selling, General, & Admin. Expense is $3,176 Mil 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 $69.30 is trading 43.6% above its estimated GF Value™ of $48.26. GuruFocus considers Citizens Financial Group to be Significantly Overvalued.

Key valuation signals for CFG:

  • Selling, General, & Admin. Expense: $3,176 Mil
  • GF Value™: $48.26 vs. price of $69.30 (43.6% above fair value)
  • GF Score™: 70/100 with 6 warning signs

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 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.
70GF Score

Get the complete analysis for CFG

Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$69.30
Price
$48.26
GF Value