CFG (Citizens Financial Group) Scaled Net Operating Assets: -0.05 (As of Mar. 2026)


CFG Citizens Financial Group Inc CFG
67 GF Score
Price $69.46
GF Value $48.03
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Citizens Financial Group Scaled Net Operating Assets?

Citizens Financial Group CFG +0.68% 67 Scaled Net Operating Assets is -0.05 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Citizens Financial Group's operating assets for the quarter that ended in Mar. 2026 was $178,516 Mil. Citizens Financial Group's operating liabilities for the quarter that ended in Mar. 2026 was $189,432 Mil. Citizens Financial Group's Total Assets for the quarter that ended in Dec. 2025 was $226,351 Mil. Therefore, Citizens Financial Group's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.05.

CFG
67GF Score
Citizens Financial Group Inc CFG
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Financial Group Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Citizens Financial Group's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(212663-188752)/217521
=0.11

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=226351 - 13688
=212663

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=200034 - 9234 - 2048
=188752

Citizens Financial Group's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(178516-189432)/226351
=-0.05

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=227918 - 49402
=178516

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=201746 - 10270 - 2044
=189432

* 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 Scaled Net Operating Assets of -0.05 mean?
Citizens Financial Group (CFG) has a Scaled Net Operating Assets of -0.05 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Citizens Financial Group and its competitors.
Is Citizens Financial Group's Scaled Net Operating Assets too high?
Citizens Financial Group's current Scaled Net Operating Assets is -0.05. 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 Scaled Net Operating Assets compare to BAP and RF?
Citizens Financial Group's Scaled Net Operating Assets of -0.05 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Citizens Financial Group and its competitors. Citizens Financial Group's current Scaled Net Operating Assets is -0.05. 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 Scaled Net Operating Assets is -0.05. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Citizens Financial Group (CFG), the current Scaled Net Operating Assets is -0.05 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:

  • Scaled Net Operating Assets: -0.05
  • GF Value™: $48.03 vs. price of $69.46 (44.6% above fair value)
  • GF Score™: 67/100 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.
67GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$69.46
Price
$48.03
GF Value