Citizens Financial Group Inc (CFG) scored on five pillars from its reported financial statements, and ranked against 261 Financials companies.
Citizens Financial Group Inc (CFG) scores 5.5 out of 10 as of , computed from its reported financial statements. That reads as solid quality. The reading rests on solvency, and growth is what holds it back.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
Citizens Financial Group Inc’s filings do not show enough of the signs a moat leaves: 2 of 4 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
On the filings behind it, Citizens Financial Group Inc earns 5.5 out of 10 for business quality as of October 18, 2026. That is solid quality on our scale. A solid reading is a respectable business with clear strengths and at least one area that falls short of the best in its field. The figure is a weighted average of five pillars, each scored from 0 to 10 against sector-aware benchmarks from reported statements.
Among the 261 Financials companies with a published score, that ranks at the 40th percentile, just below the middle of the group. For reference, the middle of the group scores 5.9 and a company needs 6.8 to reach its top quarter, which leaves Citizens Financial Group Inc in line with the median.
Profitability scores 6.0 out of 10, which reads as average. The median across 255 Financials companies is 6.8, so Citizens Financial Group Inc is below its peers on this pillar and ranks at the 35th percentile. Profitability in the middle of the range is neither a moat nor a warning: margins and returns look like those of an ordinary business in this line of work.
Solvency scores 6.8 out of 10, which reads as average. The median across 140 Financials companies is 8.5, so Citizens Financial Group Inc is well below its peers on this pillar and ranks at the 27th percentile. An average solvency reading suggests debt is present but manageable, the normal state for a company that borrows to fund its operations.
Growth scores 2.8 out of 10, which reads as weak. The median across 241 Financials companies is 4.6, so Citizens Financial Group Inc is well below its peers on this pillar and ranks at the 27th percentile. Weak growth means revenue and earnings have been flat or shrinking against peers, which can be cyclical or a sign of a market that is maturing.
Citizens Financial Group Inc’s efficiency score is 5.6 out of 10 (average). Against a median of 5.8 among 211 Financials companies, that is in line with the group and the 45th percentile. Efficiency near the median says the operation is neither unusually lean nor unusually capital hungry.
On predictability, Citizens Financial Group Inc scores 6.3, an average reading. Its peers have a median of 4.9 across 256 Financials companies, which places it above them, at the 79th percentile. Middling predictability suggests some volatility in the record, enough to read the other pillars with a little caution.
This is a lopsided profile. Solvency scores 6.8 but growth only 2.8, a gap of 4.0 points, so the overall hides a business that is excellent in one respect and weak in another. A solvency lead means the balance sheet is the company’s strongest asset, a cushion that buys time when trading gets harder. A growth shortfall often comes with size or a maturing market, and is less of a concern if the other pillars are strong.
The pillar with the most room to move the score is growth. If it rose to the median of Financials companies, 4.6, Citizens Financial Group Inc’s overall score would go from 5.5 to about 5.9. All five pillars could be scored, so the overall uses the full set of weights out of 100: profitability 25, solvency 20, growth 20, efficiency 15, predictability 20.
These are the Financials companies closest to Citizens Financial Group Inc in market value. Each has its own page scored on the same five pillars, so the comparison is like for like.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading Citizens Financial Group Inc scores 5.5 out of 10, which reads as solid quality. Its strongest pillar is solvency, its weakest is growth. Quality is not the same as a good investment: the score says nothing about the price you would pay.
Citizens Financial Group Inc ranks at the 40th percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against Citizens Financial Group Inc’s 5.5.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 18, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for CFG are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
Inside Lemma Analysis the same five pillars run on every company we cover, with the metrics behind each one, current fundamentals, a DCF you control and a watchlist that tells you when the price catches up.
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