Is CITIZENS FINANCIAL GROUP INC/RI (CFG-PE) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 32.2% | |
| Net Margin | 24.0% | |
| Return on Equity (ROE) | 7.2% | |
| Return on Assets (ROA) | 0.8% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $2.2B |
| Free Cash Flow | $2.0B |
| Total Debt | $11.3B |
| Total Assets | $226.4B |
Price & Trading
| Last Close | $19.00 |
| 50-Day MA | $19.72 |
| 200-Day MA | $19.81 |
| Avg Volume | 34K |
| Beta | 1.1 |
|
52-Week Range
$17.99
| |
About CITIZENS FINANCIAL GROUP INC/RI (CFG-PE)
Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and education and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.
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Frequently Asked Questions
Is CITIZENS FINANCIAL GROUP INC/RI (CFG-PE) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), CITIZENS FINANCIAL GROUP INC/RI is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is CITIZENS FINANCIAL GROUP INC/RI's debt ratio?
CITIZENS FINANCIAL GROUP INC/RI's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are CITIZENS FINANCIAL GROUP INC/RI's key financial metrics?
CITIZENS FINANCIAL GROUP INC/RI has a market capitalization of N/A, trailing P/E ratio of 4.0, and revenue of $8.2B. Return on equity stands at 7.2%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.