Citizens Financial Group (CFG) Operating Margin: History & Chart

Citizens Financial Group, Inc.(CFG)

Banks - Regional · Providence, RI

$64.82-0.71 (-1.08%)

Delayed quote: Sep 28, 2026, 11:25 AM EDT

About Citizens Financial Group, Inc.

Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive suite of retail and commercial banking solutions across the United States. It serves a broad spectrum of clients, from individual consumers and small enterprises to large corporations and various institutions. Its business is segmented into two primary divisions: Consumer Banking and Commercial Banking. The Consumer Banking division delivers a robust array of products, encompassing deposit accounts, mortgage and home equity lending, credit cards, and business loans for smaller entities. It also provides wealth management, investment services, and specialized financing for areas like auto, education, and point-of-sale purchases, alongside digital deposit solutions. Clients engage with this segment through contact centers and its advanced online and mobile banking platforms. Conversely, the Commercial Banking segment provides sophisticated financial solutions designed for corporate and institutional clients. These include a wide range of lending and leasing products, treasury and deposit management services, foreign exchange, and risk mitigation tools for interest rates and commodities. Additionally, it offers syndicated loans, corporate finance advice, merger and acquisition (M&A) assistance, and capital markets services for debt and equity. Its client roster spans numerous industries, such as government, non-profit, healthcare, technology, professional services, energy (oil and gas), asset and franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance. The company boasts a substantial physical presence, operating approximately 1,200 branches across 14 states and the District of Columbia. Complementing these are 114 non-branch retail and commercial offices in key national markets and a network of roughly 3,300 automated teller machines. Founded in 1828, Citizens Financial Group, Inc. is headquartered in Providence, Rhode Island. It adopted its current name in April 2014, having previously operated as RBS Citizens Financial Group, Inc.

Providence, RI

17,398 employees

www.citizensbank.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Bruce Winfield Van Saun

View full financials

CFG Operating Margin Metrics

OPERATING MARGIN

23.64%

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

+2.52%

CURRENT VS 3Y AVG

+30.54%

CURRENT VS 5Y AVG

-1.31%

CURRENT VS 10Y AVG

-7.39%

CURRENT VS 15Y AVG

N/A

CURRENT VS 20Y AVG

N/A

SECTOR MEDIAN · FINANCIAL SERVICES

23.64%

median of 103 covered companies

CURRENT VS SECTOR MEDIAN

0.00%

vs the sector median at left

NAME	MARKET CAP	OPERATING MARGIN	TTM	3Y	5Y
Citizens Financial Group, Inc. (CFG)	$27.41B	23.64%	23.06%	18.11%	23.95%
Willis Towers Watson Public Limited Company (WTW)vs ›	$27.11B	22.23%	14.66%	14.25%	15.24%
Cboe Global Markets, Inc. (CBOE)vs ›	$26.67B	35.18%	29.47%	24.84%	23.62%
iShares Silver Trust (SLV)vs ›	$29.69B	0.00%	0.00%	0.00%	0.00%
W. R. Berkley Corporation (WRB)vs ›	$24.94B	13.69%	16.23%	15.58%	14.10%
Cincinnati Financial Corporation (CINF)vs ›	$24.85B	29.78%	24.40%	15.24%	19.88%
Principal Financial Group, Inc. (PFG)vs ›	$24.76B	12.13%	10.39%	15.08%	14.18%
Raymond James Financial, Inc. (RJF)vs ›	$30.55B	28.66%	23.30%	20.62%	18.97%
Huntington Bancshares Incorporated (HBAN)vs ›	$31.09B	20.36%	20.81%	24.63%	23.87%
Regions Financial Corporation (RF)vs ›	$23.37B	29.77%	26.83%	30.14%	31.51%

NAME

MARKET CAP

OPERATING MARGIN

TTM

Citizens Financial Group, Inc. (CFG)

$27.41B

23.64%

23.06%

18.11%

23.95%

Willis Towers Watson Public Limited Company (WTW)vs ›

$27.11B

22.23%

14.66%

14.25%

15.24%

Cboe Global Markets, Inc. (CBOE)vs ›

$26.67B

35.18%

29.47%

24.84%

23.62%

iShares Silver Trust (SLV)vs ›

$29.69B

0.00%

W. R. Berkley Corporation (WRB)vs ›

$24.94B

13.69%

16.23%

15.58%

14.10%

Cincinnati Financial Corporation (CINF)vs ›

$24.85B

29.78%

24.40%

15.24%

19.88%

Principal Financial Group, Inc. (PFG)vs ›

$24.76B

12.13%

10.39%

15.08%

14.18%

Raymond James Financial, Inc. (RJF)vs ›

$30.55B

28.66%

23.30%

20.62%

18.97%

Huntington Bancshares Incorporated (HBAN)vs ›

$31.09B

20.36%

20.81%

24.63%

23.87%

Regions Financial Corporation (RF)vs ›

$23.37B

29.77%

26.83%

30.14%

31.51%

Operating Margin FAQ

What is the operating margin for Citizens Financial Group, Inc. (CFG)?

The operating margin for CFG stock is 23.64%.

Is Citizens Financial Group, Inc.'s operating margin high or low?

The operating margin of 23.64% is in line with its 5-year average of 23.95%, around the middle of its 5-year range (6.45%–49.00%).

What is the TTM average operating margin for Citizens Financial Group, Inc. (CFG)?

The TTM average operating margin for CFG stock is 23.06%.

What is the 3Y average operating margin for Citizens Financial Group, Inc. (CFG)?

The 3Y average operating margin for CFG stock is 18.11%.

What is the 5Y average operating margin for Citizens Financial Group, Inc. (CFG)?

The 5Y average operating margin for CFG stock is 23.95%.

What is the 10Y average operating margin for Citizens Financial Group, Inc. (CFG)?

The 10Y average operating margin for CFG stock is 25.53%.

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%

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%

Operating Margin: 23.64%

CFG Operating Margin

CFG Average Operating Margin Chart

CFG Current vs Average Operating Margin Chart

CFG Operating Margin Metrics

CFG Competitors' Operating Margin

Operating Efficiency

Operating Margin Formula & Definition

Operating Margin FAQ

CFG Operating Margin History

Related Metrics