CFG vs. JPM: Citizens Financial vs. JPMorgan Chase Stock Comparison
How do Citizens Financial (CFG) and JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) both belong to the Banks industry, though CFG is classified under Regional Banks while JPM falls under Diversified Banks.
| Profile Item | CFG | JPM |
|---|---|---|
| Name | Citizens Financial Group Inc. | JPMorgan Chase & Co. |
| Country/Region | United States | United States |
| 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 | 888.27 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 24, 2014 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CFG | JPM |
|---|---|---|
| Total Return (1Y) | 30.28% | 11.23% |
| Total Return (3Y, Annualized) | 42.95% | 36.31% |
| Total Return (5Y, Annualized) | 10.93% | 18.27% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CFG | JPM |
|---|---|---|
| Volatility (1Y, Annualized) | 25.87% | 23.08% |
| Beta (5Y) | 1.07 | 1.02 |
| Max Drawdown (5Y) | -56.19% | -37.93% |
| Avg. Volume (3M) | 3.99M | 7.03M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CFG | JPM |
|---|---|---|
| Sharpe Ratio (1Y) | 1.00 | 0.30 |
| Sortino Ratio (1Y) | 1.50 | 0.42 |
Profitability
ROE (TTM)
JPMorgan Chase (JPM) at 18.01% 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%
JPM
Banks industry group
18.01%
- Max
- 19.84%
- JPM
- 18.01%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
JPMorgan Chase (JPM) at 34.59% 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%
JPM
Banks industry group
34.59%
- Max
- 47.19%
- Q3
- 35.25%
- JPM
- 34.59%
- 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 JPMorgan Chase (JPM) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | CFG | JPM |
|---|---|---|
| ROE (TTM) | 8.90% | 18.01% |
| ROA (TTM) | 0.99% | 1.37% |
| Net Margin (TTM) | 27.02% | 34.59% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
JPMorgan Chase (JPM) at 7.32% is around its peer norm for revenue growth, while Citizens Financial (CFG) at 5.61% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Citizens Financial (CFG) at 27.39% is around its peer norm for EPS growth, while JPMorgan Chase (JPM) at 1.37% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | CFG | JPM |
|---|---|---|
| Revenue Growth (YoY) | 5.61% | 7.32% |
| Revenue Growth (3Y CAGR) | 0.93% | 12.50% |
| EPS Growth (YoY) | 27.39% | 1.37% |
| EPS Growth (3Y CAGR) | -1.99% | 18.31% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Citizens Financial (CFG) in Banks and JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) 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 | JPM |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Citizens Financial (CFG) at 2.88% and JPMorgan Chase (JPM) at 1.82% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
CFG
Banks industry group
2.88%
- Max
- 5.79%
- Q3
- 3.18%
- CFG
- 2.88%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
JPM
Banks industry group
1.82%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- JPM
- 1.82%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Citizens Financial (CFG) at 37.17% and JPMorgan Chase (JPM) at 25.80% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
CFG
Banks industry group
37.17%
- Max
- 70.75%
- Q3
- 41.28%
- CFG
- 37.17%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
JPM
Banks industry group
25.80%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- JPM
- 25.80%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | CFG | JPM |
|---|---|---|
| Dividend Yield (TTM) | 2.88% | 1.82% |
| Dividend Payout Ratio (TTM) | 37.17% | 25.80% |
Valuation
P/E Ratio (TTM)
Citizens Financial (CFG) at 12.78 is near its industry’s usual P/E ratio, while JPMorgan Chase (JPM) at 14.03 sits in the richer quartile — JPM needs stronger growth or earnings quality to justify the premium.
CFG
Banks industry group
12.78
- Max
- 18.16
- Q3
- 13.75
- CFG
- 12.78
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
JPM
Banks industry group
14.03
- Max
- 18.16
- JPM
- 14.03
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Citizens Financial (CFG) in Banks and JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) at 2.53 prices above its benchmark range — JPM 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
JPM
Banks industry group
2.53
- JPM
- 2.53
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | CFG | JPM |
|---|---|---|
| P/E Ratio (TTM) | 12.78 | 14.03 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.16 | 2.53 |
| Free Cash Flow Yield (TTM) | -- | -- |