C vs. CFG: Citigroup vs. Citizens Financial Stock Comparison
How do Citigroup (C) and Citizens Financial (CFG) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Citigroup (C) and Citizens Financial (CFG) both belong to the Banks industry, though C is classified under Diversified Banks while CFG falls under Regional Banks.
| Profile Item | C | CFG |
|---|---|---|
| Name | Citigroup Inc. | Citizens Financial Group Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Regional Banks |
| Market Capitalization | 197.05 billion USD | 26.51 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 3, 1977 | September 24, 2014 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | C | CFG |
|---|---|---|
| Total Return (1Y) | 23.42% | 30.28% |
| Total Return (3Y, Annualized) | 47.29% | 42.95% |
| Total Return (5Y, Annualized) | 16.24% | 10.93% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | C | CFG |
|---|---|---|
| Volatility (1Y, Annualized) | 29.96% | 25.87% |
| Beta (5Y) | 1.17 | 1.07 |
| Max Drawdown (5Y) | -40.60% | -56.19% |
| Avg. Volume (3M) | 9.35M | 3.99M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | C | CFG |
|---|---|---|
| Sharpe Ratio (1Y) | 0.64 | 1.00 |
| Sortino Ratio (1Y) | 0.90 | 1.50 |
Profitability
ROE (TTM)
Both Citigroup (C) at 9.35% and Citizens Financial (CFG) at 8.90% produce bottom-quartile ROE versus peers, pointing to weaker profit generation on shareholders’ equity.
C
Banks industry group
9.35%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- C
- 9.35%
- Min
- 3.64%
CFG
Banks industry group
8.90%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- CFG
- 8.90%
- Min
- 3.64%
Net Margin (TTM)
Both Citigroup (C) at 23.21% and Citizens Financial (CFG) at 27.02% let more of each sales dollar slip away before the bottom line than peers do, sitting in the lower net margin quartile of their industries.
C
Banks industry group
23.21%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- C
- 23.21%
- Min
- 14.93%
CFG
Banks industry group
27.02%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- CFG
- 27.02%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Citigroup (C) in Banks and Citizens Financial (CFG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | C | CFG |
|---|---|---|
| ROE (TTM) | 9.35% | 8.90% |
| ROA (TTM) | 0.71% | 0.99% |
| Net Margin (TTM) | 23.21% | 27.02% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Citigroup (C) at 5.63% and Citizens Financial (CFG) at 5.61% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.
EPS Growth
Both Citigroup (C) at 17.68% and Citizens Financial (CFG) at 27.39% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | C | CFG |
|---|---|---|
| Revenue Growth (YoY) | 5.63% | 5.61% |
| Revenue Growth (3Y CAGR) | 4.59% | 0.93% |
| EPS Growth (YoY) | 17.68% | 27.39% |
| EPS Growth (3Y CAGR) | -0.05% | -1.99% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Citigroup (C) in Banks and Citizens Financial (CFG) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Citigroup (C) in Banks and Citizens Financial (CFG) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | C | CFG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Citigroup (C) at 2.09% and Citizens Financial (CFG) at 2.88% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
C
Banks industry group
2.09%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- C
- 2.09%
- Q1
- 1.20%
- Min
- 0.00%
CFG
Banks industry group
2.88%
- Max
- 5.79%
- Q3
- 3.18%
- CFG
- 2.88%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Citigroup (C) at 24.07% and Citizens Financial (CFG) at 37.17% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
C
Banks industry group
24.07%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- C
- 24.07%
- Q1
- 18.98%
- Min
- 0.00%
CFG
Banks industry group
37.17%
- Max
- 70.75%
- Q3
- 41.28%
- CFG
- 37.17%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | C | CFG |
|---|---|---|
| Dividend Yield (TTM) | 2.09% | 2.88% |
| Dividend Payout Ratio (TTM) | 24.07% | 37.17% |
Valuation
P/E Ratio (TTM)
Both Citigroup (C) at 11.60 and Citizens Financial (CFG) at 12.78 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
C
Banks industry group
11.60
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- C
- 11.60
- Q1
- 10.64
- Min
- 6.49
CFG
Banks industry group
12.78
- Max
- 18.16
- Q3
- 13.75
- CFG
- 12.78
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Citigroup (C) in Banks and Citizens Financial (CFG) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.
P/B Ratio (MRQ)
Citigroup (C) at 1.03 sits in the lower P/B ratio quartile against book while Citizens Financial (CFG) at 1.16 is valued near its industry’s middle — C is cheaper on assets, though weigh it against ROE and asset quality.
C
Banks industry group
1.03
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- C
- 1.03
- Min
- 0.59
CFG
Banks industry group
1.16
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- CFG
- 1.16
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | C | CFG |
|---|---|---|
| P/E Ratio (TTM) | 11.60 | 12.78 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.03 | 1.16 |
| Free Cash Flow Yield (TTM) | -- | -- |