CFG vs. KEY: Citizens Financial vs. KeyCorp Stock Comparison
How do Citizens Financial (CFG) and KeyCorp (KEY) 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 KeyCorp (KEY) both belong to the Banks industry, though CFG is classified under Regional Banks while KEY falls under Diversified Banks.
| Profile Item | CFG | KEY |
|---|---|---|
| Name | Citizens Financial Group Inc. | KeyCorp |
| 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 | 22.02 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 24, 2014 | November 5, 1987 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CFG | KEY |
|---|---|---|
| Total Return (1Y) | 30.28% | 24.10% |
| Total Return (3Y, Annualized) | 42.95% | 31.53% |
| Total Return (5Y, Annualized) | 10.93% | 3.00% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CFG | KEY |
|---|---|---|
| Volatility (1Y, Annualized) | 25.87% | 23.07% |
| Beta (5Y) | 1.07 | 1.06 |
| Max Drawdown (5Y) | -56.19% | -65.23% |
| Avg. Volume (3M) | 3.99M | 14.36M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CFG | KEY |
|---|---|---|
| Sharpe Ratio (1Y) | 1.00 | 0.86 |
| Sortino Ratio (1Y) | 1.50 | 1.25 |
Profitability
ROE (TTM)
KeyCorp (KEY) at 11.17% is around its peer norm for ROE, while Citizens Financial (CFG) at 8.90% drops into the bottom quartile, signaling weaker returns on shareholders’ 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%
KEY
Banks industry group
11.17%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- KEY
- 11.17%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
KeyCorp (KEY) at 27.99% 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%
KEY
Banks industry group
27.99%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- KEY
- 27.99%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Citizens Financial (CFG) in Banks and KeyCorp (KEY) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | CFG | KEY |
|---|---|---|
| ROE (TTM) | 8.90% | 11.17% |
| ROA (TTM) | 0.99% | 1.11% |
| Net Margin (TTM) | 27.02% | 27.99% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
KeyCorp (KEY) at 65.72% delivers above-range revenue growth, while Citizens Financial (CFG) at 5.61% falls into the bottom quartile — a wide split in revenue momentum.
EPS Growth
Only one side can be read here: Citizens Financial (CFG) reports EPS growth of 27.39%, ranked against its industry; KeyCorp (KEY) has no EPS growth figure this period.
Growth Metrics
| Metric | CFG | KEY |
|---|---|---|
| Revenue Growth (YoY) | 5.61% | 65.72% |
| Revenue Growth (3Y CAGR) | 0.93% | 1.21% |
| EPS Growth (YoY) | 27.39% | -- |
| EPS Growth (3Y CAGR) | -1.99% | -7.65% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Citizens Financial (CFG) in Banks and KeyCorp (KEY) 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 KeyCorp (KEY) 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 | KEY |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
KeyCorp (KEY) at 3.91% delivers top-quartile income for its industry, while Citizens Financial (CFG) at 2.88% pays a more typical yield — both are credible income propositions, KEY 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%
KEY
Banks industry group
3.91%
- Max
- 5.79%
- KEY
- 3.91%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Citizens Financial (CFG) at 37.17% pays out a band-typical share of earnings, while KeyCorp (KEY) at 45.05% 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%
KEY
Banks industry group
45.05%
- Max
- 70.75%
- KEY
- 45.05%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | CFG | KEY |
|---|---|---|
| Dividend Yield (TTM) | 2.88% | 3.91% |
| Dividend Payout Ratio (TTM) | 37.17% | 45.05% |
Valuation
P/E Ratio (TTM)
Both Citizens Financial (CFG) at 12.78 and KeyCorp (KEY) at 11.46 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
KEY
Banks industry group
11.46
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- KEY
- 11.46
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Citizens Financial (CFG) in Banks and KeyCorp (KEY) 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)
On P/B ratio, both Citizens Financial (CFG) at 1.16 and KeyCorp (KEY) at 1.39 are valued close to their industries’ norm against book — neither stands out from peers.
CFG
Banks industry group
1.16
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- CFG
- 1.16
- Q1
- 1.10
- Min
- 0.59
KEY
Banks industry group
1.39
- Max
- 2.28
- Q3
- 1.58
- KEY
- 1.39
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | CFG | KEY |
|---|---|---|
| P/E Ratio (TTM) | 12.78 | 11.46 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.16 | 1.39 |
| Free Cash Flow Yield (TTM) | -- | -- |