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Citizens Financial GroupCFG -0.11%67 3-Year Share Buyback Ratio is 4.50 as of Mar. 2026, which is 48% above its 10-year median of 3.05. GuruFocus rates CFG with a GF Scoreâ„¢ of 67/100 and a GF Valueâ„¢ of $48.76 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,040 Banks companies, Citizens Financial Group ranks better than 96.63% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Citizens Financial Group's current 3-Year Share Buyback Ratio was 4.50%.
The historical rank and industry rank for Citizens Financial Group's 3-Year Share Buyback Ratio or its related term are showing as below:
CFG'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -4.4 Med: 3.05 Max: 5.4
Current: 4.5
During the past 13 years, Citizens Financial Group's highest 3-Year Share Buyback Ratio was 5.40%. The lowest was -4.40%. And the median was 3.05%.
CFG's 3-Year Share Buyback Ratio is ranked better than 96.63% of 1040
companies
in the Banks industry
Industry Median: -0.2
vs CFG: 4.50
Citizens Financial Group (NYSE:CFG) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Citizens Financial Group 3-Year Share Buyback Ratio Related Terms
CFG vs BAP, RF, HBAN: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, Citizens Financial Group's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Group's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Citizens Financial Group's 3-Year Share Buyback Ratio falls into.
Citizens Financial Group 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 4.50 mean?
Citizens Financial Group (CFG) has a 3-Year Share Buyback Ratio of 4.50 as of Mar. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Citizens Financial Group and its competitors. This is 48% above median its historical median of 3.05. According to the industry distribution chart, Citizens Financial Group ranks #35 out of 1040 companies in the Banks industry, placing it in the top 3.4%.
Is Citizens Financial Group's 3-Year Share Buyback Ratio too high?
Citizens Financial Group's current 3-Year Share Buyback Ratio of 4.50 is 48% above median its 10-year median of 3.05. Based on the distribution chart, Citizens Financial Group ranks #35 out of 1040 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 3-Year Share Buyback Ratio compare to BAP and RF?
According to the Banks industry distribution chart, Citizens Financial Group ranks #35 out of 1040 companies for 3-Year Share Buyback Ratio. This places Citizens Financial Group in the top 3% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Citizens Financial Group and its competitors. Citizens Financial Group's current 3-Year Share Buyback Ratio is 4.50, which is 48% above median its own 10-year median of 3.05. 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 $48.76, compared to a current price of $71.65 — trading 46.9% above its estimated fair value. The current 3-Year Share Buyback Ratio is 4.50, which is 48% above median its 10-year median of 3.05. 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 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Citizens Financial Group (CFG), the current 3-Year Share Buyback Ratio is 4.50 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 $71.65 is trading 46.9% above its estimated GF Value™ of $48.76.
GuruFocus considers Citizens Financial Group to be Significantly Overvalued.
Key valuation signals for CFG:
3-Year Share Buyback Ratio: 4.50 (48% above median its 10-year median of 3.05)
GF Value™: $48.76 vs. price of $71.65 (46.9% above fair value)
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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3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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