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CFG vs. ING: Citizens Financial vs. ING Groep Stock Comparison

How do Citizens Financial (CFG) and ING Groep (ING) 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 ING Groep (ING) both belong to the Banks industry, though CFG is classified under Regional Banks while ING falls under Diversified Banks.

Citizens Financial (CFG) trades as ordinary local shares, while ING Groep (ING) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile comparison for Citizens Financial (CFG) and ING Groep (ING)
Profile ItemCFGING
NameCitizens Financial Group Inc.ING Groep N.V. Sponsored ADR
Country/RegionUnited StatesNetherlands
GICS SectorFinancialsFinancials
GICS Industry GroupBanksBanks
GICS IndustryBanksBanks
GICS Sub-IndustryRegional BanksDiversified Banks
Market Capitalization26.51 billion USD90.37 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateSeptember 24, 2014May 18, 1994
Security TypeCommon StockADR

Price Performance

Cumulative Growth

CFG
ING
GSPC
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Citizens Financial (CFG) vs. ING Groep (ING), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Citizens Financial (CFG) and ING Groep (ING). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Citizens Financial (CFG) and ING Groep (ING). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Citizens Financial (CFG) and ING Groep (ING)
MetricCFGING
Total Return (1Y)30.28%34.23%
Total Return (3Y, Annualized)42.95%44.65%
Total Return (5Y, Annualized)10.93%24.74%

Risk Profile

Drawdown History

CFG
ING
GSPC
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Citizens Financial (CFG) vs. ING Groep (ING), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Citizens Financial (CFG) and ING Groep (ING). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Citizens Financial (CFG) and ING Groep (ING)
MetricCFGING
Volatility (1Y, Annualized)25.87%28.52%
Beta (5Y)1.070.85
Max Drawdown (5Y)-56.19%-43.39%
Avg. Volume (3M)3.99M2.24M

Risk-Adjusted Performance

Risk-Return Positioning

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CFG and ING are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Citizens Financial (CFG) and ING Groep (ING)
MetricCFGING
Sharpe Ratio (1Y)1.001.05
Sortino Ratio (1Y)1.501.67

Profitability

ROE (TTM)

ING Groep (ING) at 17.76% 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%

ING

Banks industry group

17.76%

Max
19.84%
ING
17.76%
Q3
13.67%
Median
11.49%
Q1
9.50%
Min
3.64%
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Citizens Financial (CFG) vs. ING Groep (ING): A comparison of their ROE against the Banks industry group benchmark.

Net Margin (TTM)

ING Groep (ING) at 34.40% keeps about the industry-typical share of revenue as profit, while Citizens Financial (CFG) at 27.02% retains only 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%

ING

Banks industry group

34.40%

Max
47.19%
Q3
35.25%
ING
34.40%
Median
31.21%
Q1
27.11%
Min
14.93%
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Citizens Financial (CFG) vs. ING Groep (ING): A comparison of their net margin against the Banks industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Citizens Financial (CFG) in Banks and ING Groep (ING) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Profitability metrics for Citizens Financial (CFG) and ING Groep (ING)
MetricCFGING
ROE (TTM)8.90%17.76%
ROA (TTM)0.99%0.79%
Net Margin (TTM)27.02%34.40%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Both Citizens Financial (CFG) at 5.61% and ING Groep (ING) at 1.55% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

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Citizens Financial (CFG) vs. ING Groep (ING): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Citizens Financial (CFG) at 27.39% and ING Groep (ING) at 7.07% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

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Citizens Financial (CFG) vs. ING Groep (ING): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Citizens Financial (CFG) and ING Groep (ING)
MetricCFGING
Revenue Growth (YoY)5.61%1.55%
Revenue Growth (3Y CAGR)0.93%6.63%
EPS Growth (YoY)27.39%7.07%
EPS Growth (3Y CAGR)-1.99%28.04%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Citizens Financial (CFG) in Banks and ING Groep (ING) 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 ING Groep (ING) 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

Financial strength metrics for Citizens Financial (CFG) and ING Groep (ING)
MetricCFGING
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

ING Groep (ING) at 4.55% delivers top-quartile income for its industry, while Citizens Financial (CFG) at 2.88% pays a more typical yield — both are credible income propositions, ING the richer one.

CFG

Banks industry group

2.88%

Max
5.79%
Q3
3.18%
CFG
2.88%
Median
2.39%
Q1
1.20%
Min
0.00%

ING

Banks industry group

4.55%

Max
5.79%
ING
4.55%
Q3
3.18%
Median
2.39%
Q1
1.20%
Min
0.00%
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Citizens Financial (CFG) vs. ING Groep (ING): A comparison of their dividend yield against the Banks industry group benchmark.

Dividend Payout Ratio (TTM)

Citizens Financial (CFG) at 37.17% pays out a band-typical share of earnings, while ING Groep (ING) at 48.14% 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%

ING

Banks industry group

48.14%

Max
70.75%
ING
48.14%
Q3
41.28%
Median
29.26%
Q1
18.98%
Min
0.00%
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Citizens Financial (CFG) vs. ING Groep (ING): A comparison of their payout ratio against the Banks industry group benchmark.

Dividend Metrics

Dividend metrics for Citizens Financial (CFG) and ING Groep (ING)
MetricCFGING
Dividend Yield (TTM)2.88%4.55%
Dividend Payout Ratio (TTM)37.17%48.14%

Valuation

P/E Ratio (TTM)

Both Citizens Financial (CFG) at 12.78 and ING Groep (ING) at 11.70 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

ING

Banks industry group

11.70

Max
18.16
Q3
13.75
Median
11.81
ING
11.70
Q1
10.64
Min
6.49
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Citizens Financial (CFG) vs. ING Groep (ING): A comparison of their P/E ratio against the Banks industry group benchmark.

P/S Ratio (TTM)

P/S ratio is set aside for both Citizens Financial (CFG) in Banks and ING Groep (ING) 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 is valued about in line with its industry on P/B ratio, while ING Groep (ING) at 1.61 carries an above-peer premium to book — ING is pricier on assets.

CFG

Banks industry group

1.16

Max
2.28
Q3
1.58
Median
1.32
CFG
1.16
Q1
1.10
Min
0.59

ING

Banks industry group

1.61

Max
2.28
ING
1.61
Q3
1.58
Median
1.32
Q1
1.10
Min
0.59
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Citizens Financial (CFG) vs. ING Groep (ING): A comparison of their P/B ratio against the Banks industry group benchmark.

Valuation Metrics

Valuation metrics for Citizens Financial (CFG) and ING Groep (ING)
MetricCFGING
P/E Ratio (TTM)12.7811.70
P/S Ratio (TTM)----
P/B Ratio (MRQ)1.161.61
Free Cash Flow Yield (TTM)----