Citizens Financial GroupMEX:CFG 62 5-Year Yield-on-Cost % is 3.05 as of Jul. 12, 2026, which is 21% below its 10-year median of 3.85. GuruFocus rates MEX:CFG with a GF Score™ of 62/100 and a GF Value™ of MXN859.87 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,258 Banks companies, Citizens Financial Group ranks worse than 67.81% on this metric.
The historical rank and industry rank for Citizens Financial Group's 5-Year Yield-on-Cost % or its related term are showing as below:
MEX:CFG'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.34 Med: 3.85 Max: 9.41
Current: 3.05
During the past 13 years, Citizens Financial Group's highest Yield on Cost was 9.41. The lowest was 1.34. And the median was 3.85.
MEX:CFG's 5-Year Yield-on-Cost % is ranked worse than 67.81% of 1258
companies
in the Banks industry
Industry Median: 3.89
vs MEX:CFG: 3.05
Citizens Financial Group (MEX:CFG) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Citizens Financial Group 5-Year Yield-on-Cost % Related Terms
MEX:CFG vs BAP, RF, KEY: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Citizens Financial Group's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Citizens Financial Group's 5-Year Yield-on-Cost % falls into.
Citizens Financial Group 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Citizens Financial Group (MEX:CFG) has a 5-Year Yield-on-Cost % of 3.05 as of Jul. 12, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Citizens Financial Group and its competitors. This is 21% below median its historical median of 3.85. Over the past decade, Citizens Financial Group's 5-Year Yield-on-Cost % has ranged from 1.34 to 9.41. According to the industry distribution chart, Citizens Financial Group ranks #853 out of 1258 companies in the Banks industry, placing it in the top 67.8%.
Is Citizens Financial Group's 5-Year Yield-on-Cost % too high?
Citizens Financial Group's current 5-Year Yield-on-Cost % of 3.05 is 21% below median its 10-year median of 3.85. Over the past 10 years, this metric has ranged from a low of 1.34 to a high of 9.41. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Citizens Financial Group's value of 3.05 is 21.6% below this industry median. Based on the distribution chart, Citizens Financial Group ranks #853 out of 1258 companies in the Banks industry, which is below the industry midpoint. Overall, Citizens Financial Group has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial Group's 5-Year Yield-on-Cost % compare to BAP and RF?
According to the Banks industry distribution chart, Citizens Financial Group ranks #853 out of 1258 companies for 5-Year Yield-on-Cost %. This places Citizens Financial Group in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Citizens Financial Group's value of 3.05 is 21.6% below this benchmark. Historically, Citizens Financial Group's own 5-Year Yield-on-Cost % has ranged from 1.34 to 9.41 over the past decade. While the company's 10-year median is 3.85 vs. the industry median of 3.89, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,258 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Group's current 5-Year Yield-on-Cost % of 3.05 is 21.6% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Citizens Financial Group and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Group's current 5-Year Yield-on-Cost % is 3.05, which is 21% below median its own 10-year median of 3.85. 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 (MEX:CFG) is currently considered Significantly Overvalued. The stock's GF Value™ is MXN859.87, compared to a current price of MXN1,169.99 — trading 36.1% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.05, which is 21% below median its 10-year median of 3.85 and 21.6% below the Banks industry median of 3.89. Citizens Financial Group's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Citizens Financial Group (MEX:CFG), the current 5-Year Yield-on-Cost % is 3.05 as of Jul. 12, 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 (MEX:CFG) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Financial Group stock appears to be overvalued.
The current stock price of MXN1,169.99 is trading 36.1% above its estimated GF Value™ of MXN859.87.
GuruFocus considers Citizens Financial Group to be Significantly Overvalued.
Key valuation signals for MEX:CFG:
5-Year Yield-on-Cost %: 3.05 (21% below median its 10-year median of 3.85)
GF Value™: MXN859.87 vs. price of MXN1,169.99 (36.1% above fair value)
Industry Position: 21.6% below the Banks median (#853 of 1258)
No single metric tells the full story. See the MEX: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.
62GF Score
Get the complete analysis for MEX:CFG
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MEX:CFG has been successfully added to your 