Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the operating margin high or low?
The operating margin of 23.63% is in line with its 5-year average of 23.95%, around the middle of its 5-year range (6.45%–49.00%).
As of the fiscal period ended Tuesday, June 30, 2026. 2.48% above its 12-month average of 23.06%.
Reported quarterly operating margin; no daily interpolation.
OPERATING MARGIN
23.63%
OPERATING MARGIN AVG TTM
23.06%
OPERATING MARGIN AVG 3Y
18.11%
OPERATING MARGIN AVG 5Y
23.95%
OPERATING MARGIN AVG 10Y
25.53%
OPERATING MARGIN AVG 15Y
N/A
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
+2.48%
CURRENT VS 3Y AVG
+30.49%
CURRENT VS 5Y AVG
-1.34%
CURRENT VS 10Y AVG
-7.42%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
23.61%
median of 94 covered companies
CURRENT VS SECTOR MEDIAN
+0.11%
vs the sector median at left
Citizens Financial Group, Inc.
Market Cap
$31.52B
Operating Margin
23.63%
TTM Avg
23.06%
3Y Avg
18.11%
5Y Avg
23.95%
Market Cap
$30.74B
Operating Margin
22.23%
TTM Avg
14.66%
3Y Avg
14.25%
5Y Avg
15.24%
Market Cap
$30.61B
Operating Margin
35.18%
TTM Avg
29.47%
3Y Avg
24.84%
5Y Avg
23.62%
Market Cap
$34.34B
Operating Margin
27.38%
TTM Avg
25.31%
3Y Avg
22.05%
5Y Avg
20.79%
Market Cap
$34.69B
Operating Margin
28.66%
TTM Avg
23.30%
3Y Avg
20.62%
5Y Avg
18.97%
Market Cap
$34.90B
Operating Margin
19.83%
TTM Avg
16.52%
3Y Avg
16.98%
5Y Avg
20.79%
Market Cap
$27.14B
Operating Margin
29.77%
TTM Avg
26.83%
3Y Avg
30.14%
5Y Avg
31.51%
Market Cap
$36.06B
Operating Margin
20.36%
TTM Avg
20.81%
3Y Avg
24.63%
5Y Avg
23.87%
Market Cap
$26.48B
Operating Margin
29.83%
TTM Avg
24.40%
3Y Avg
15.24%
5Y Avg
19.88%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Citizens Financial Group, Inc. (CFG) | $31.52B | 23.63% | 23.06% | 18.11% | 23.95% |
| Willis Towers Watson Public Limited Company (WTW)vs › | $30.74B | 22.23% | 14.66% | 14.25% | 15.24% |
| Cboe Global Markets, Inc. (CBOE)vs › | $30.61B | 35.18% | 29.47% | 24.84% | 23.62% |
| Arch Capital Group Ltd. (ACGL)vs › | $34.34B | 27.38% | 25.31% | 22.05% | 20.79% |
| Raymond James Financial, Inc. (RJF)vs › | $34.69B | 28.66% | 23.30% | 20.62% | 18.97% |
| Northern Trust Corporation (NTRS)vs › | $34.90B | 19.83% | 16.52% | 16.98% | 20.79% |
| Regions Financial Corporation (RF)vs › | $27.14B | 29.77% | 26.83% | 30.14% | 31.51% |
| Huntington Bancshares Incorporated (HBAN)vs › | $36.06B | 20.36% | 20.81% | 24.63% | 23.87% |
| Cincinnati Financial Corporation (CINF)vs › | $26.48B | 29.83% | 24.40% | 15.24% | 19.88% |
| W. R. Berkley Corporation (WRB)vs › | $26.20B | 13.69% | 16.23% | 15.58% | 14.10% |
Gross Margin
72.4%
Operating Margin
23.6%
Operating Margin = Operating Income / Revenue
Operating margin is the percentage of revenue remaining after operating expenses, reflecting operating efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | OPERATING MARGIN |
|---|---|
| 2026-06-30 | 23.63% |
| 2026-03-31 | 21.48% |
| 2025-12-31 | 31.39% |
| 2025-09-30 | 20.37% |
| 2025-06-30 | 18.42% |
| 2025-03-31 | 16.16% |
| 2024-12-31 | 16.79% |
| 2024-09-30 | 15.29% |
| 2024-06-30 | 15.36% |
| 2024-03-31 | 13.75% |
| 2023-12-31 | 6.45% |
| 2023-09-30 | 17.78% |
| 2023-06-30 | 20.15% |
| 2023-03-31 | 23.00% |
| 2022-12-31 | 29.70% |
| 2022-09-30 | 32.77% |
| 2022-06-30 | 22.88% |
| 2022-03-31 | 31.33% |
| 2021-12-31 | 38.06% |
| 2021-09-30 | 39.23% |
| 2021-06-30 | 49.00% |
| 2021-03-31 | 44.45% |
| 2020-12-31 | 31.25% |
| 2020-09-30 | 19.39% |
| 2020-06-30 | 15.82% |
| 2020-03-31 | 2.28% |
| 2019-12-31 | 27.12% |
| 2019-09-30 | 27.77% |
| 2019-06-30 | 28.40% |
| 2019-03-31 | 28.41% |
| 2018-12-31 | 28.45% |
| 2018-09-30 | 30.43% |
| 2018-06-30 | 30.52% |
| 2018-03-31 | 29.49% |
| 2017-12-31 | 29.68% |
| 2017-09-30 | 31.19% |
| 2017-06-30 | 29.33% |
| 2017-03-31 | 28.20% |
| 2016-12-31 | 27.53% |
| 2016-09-30 | 28.30% |
| 2016-06-30 | 25.77% |
| 2016-03-31 | 24.61% |
| 2015-12-31 | 24.61% |
| 2015-09-30 | 25.24% |
| 2015-06-30 | 21.49% |
| 2015-03-31 | 24.44% |
| 2014-12-31 | 28.53% |
| 2014-09-30 | 21.85% |
| 2014-06-30 | 37.51% |
| 2014-03-31 | 18.78% |
| 2013-12-31 | 16.57% |
| 2013-09-30 | 17.52% |
| 2013-06-30 | -320.64% |
| 2013-03-31 | 21.38% |
| 2012-12-31 | 37.62% |
