CFG vs. HSBC: Citizens Financial vs. HSBC Stock Comparison
How do Citizens Financial (CFG) and HSBC (HSBC) 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
Citizens Financial (CFG) and HSBC (HSBC) both belong to the Banks industry, though CFG is classified under Regional Banks while HSBC falls under Diversified Banks.
Citizens Financial (CFG) trades as ordinary local shares, while HSBC (HSBC) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | CFG | HSBC |
|---|---|---|
| Name | Citizens Financial Group Inc. | HSBC Holdings plc Sponsored ADR |
| Country/Region | United States | United Kingdom |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Regional Banks | Diversified Banks |
| Market Capitalization | 26.51 billion USD | 297.66 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 24, 2014 | July 16, 1999 |
| Security Type | Common Stock | ADR |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CFG | HSBC |
|---|---|---|
| Total Return (1Y) | 30.28% | 32.02% |
| Total Return (3Y, Annualized) | 42.95% | 43.61% |
| Total Return (5Y, Annualized) | 10.93% | 33.35% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CFG | HSBC |
|---|---|---|
| Volatility (1Y, Annualized) | 25.87% | 28.54% |
| Beta (5Y) | 1.07 | 0.54 |
| Max Drawdown (5Y) | -56.19% | -31.80% |
| Avg. Volume (3M) | 3.99M | 1.58M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CFG | HSBC |
|---|---|---|
| Sharpe Ratio (1Y) | 1.00 | 0.97 |
| Sortino Ratio (1Y) | 1.50 | 1.52 |
Profitability
ROE (TTM)
HSBC (HSBC) at 14.22% sits in the top ROE quartile, while Citizens Financial (CFG) at 8.90% is in the bottom quartile, showing a clear gap in returns on equity.
CFG
Banks industry group
8.90%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- CFG
- 8.90%
- Min
- 3.64%
HSBC
Banks industry group
14.22%
- Max
- 19.84%
- HSBC
- 14.22%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
HSBC (HSBC) at 41.16% keeps a top-quartile share of each sales dollar as profit, while Citizens Financial (CFG) at 27.02% keeps a bottom-quartile share.
CFG
Banks industry group
27.02%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- CFG
- 27.02%
- Min
- 14.93%
HSBC
Banks industry group
41.16%
- Max
- 47.19%
- HSBC
- 41.16%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Citizens Financial (CFG) in Banks and HSBC (HSBC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | CFG | HSBC |
|---|---|---|
| ROE (TTM) | 8.90% | 14.22% |
| ROA (TTM) | 0.99% | 0.84% |
| Net Margin (TTM) | 27.02% | 41.16% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Citizens Financial (CFG) at 5.61% and HSBC (HSBC) at 5.38% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.
EPS Growth
Citizens Financial (CFG) at 27.39% is around its peer norm for EPS growth, while HSBC (HSBC) at -3.23% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | CFG | HSBC |
|---|---|---|
| Revenue Growth (YoY) | 5.61% | 5.38% |
| Revenue Growth (3Y CAGR) | 0.93% | 9.75% |
| EPS Growth (YoY) | 27.39% | -3.23% |
| EPS Growth (3Y CAGR) | -1.99% | 17.49% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Citizens Financial (CFG) in Banks and HSBC (HSBC) 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: Citizens Financial (CFG) in Banks and HSBC (HSBC) 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 | CFG | HSBC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Citizens Financial (CFG) at 2.88% pays a yield in its industry’s typical range, while HSBC (HSBC) at 0.86% falls in the bottom quartile of its peers.
CFG
Banks industry group
2.88%
- Max
- 5.79%
- Q3
- 3.18%
- CFG
- 2.88%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
HSBC
Banks industry group
0.86%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- HSBC
- 0.86%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Citizens Financial (CFG) at 37.17% pays out a band-typical share of earnings, while HSBC (HSBC) at 53.57% distributes more than its industry norm — less retained, thinner cover.
CFG
Banks industry group
37.17%
- Max
- 70.75%
- Q3
- 41.28%
- CFG
- 37.17%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
HSBC
Banks industry group
53.57%
- Max
- 70.75%
- HSBC
- 53.57%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | CFG | HSBC |
|---|---|---|
| Dividend Yield (TTM) | 2.88% | 0.86% |
| Dividend Payout Ratio (TTM) | 37.17% | 53.57% |
Valuation
P/E Ratio (TTM)
Both Citizens Financial (CFG) at 12.78 and HSBC (HSBC) at 11.38 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
CFG
Banks industry group
12.78
- Max
- 18.16
- Q3
- 13.75
- CFG
- 12.78
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
HSBC
Banks industry group
11.38
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- HSBC
- 11.38
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Citizens Financial (CFG) in Banks and HSBC (HSBC) 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)
Citizens Financial (CFG) at 1.16 sits near its industry’s typical P/B ratio, while HSBC (HSBC) at 6.87 prices above its benchmark range — HSBC looks rich relative to book.
CFG
Banks industry group
1.16
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- CFG
- 1.16
- Q1
- 1.10
- Min
- 0.59
HSBC
Banks industry group
6.87
- HSBC
- 6.87
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | CFG | HSBC |
|---|---|---|
| P/E Ratio (TTM) | 12.78 | 11.38 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.16 | 6.87 |
| Free Cash Flow Yield (TTM) | -- | -- |