CFG vs. LYG: Citizens Financial vs. Lloyds Banking Stock Comparison

Company Profile

Citizens Financial (CFG) and Lloyds Banking (LYG) both belong to the Banks industry, though CFG is classified under Regional Banks while LYG falls under Diversified Banks.

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

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Lloyds Banking (LYG) at 13.69% 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.

Lloyds Banking (LYG) at 30.61% keeps about the industry-typical share of revenue as profit, while Citizens Financial (CFG) at 27.02% retains only a bottom-quartile share.

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

Profitability Metrics

Growth

Lloyds Banking (LYG) at 7.66% 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.

Both Citizens Financial (CFG) at 27.39% and Lloyds Banking (LYG) at 11.29% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Citizens Financial (CFG) in Banks and Lloyds Banking (LYG) 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-to-equity ratio is set aside for both: Citizens Financial (CFG) in Banks and Lloyds Banking (LYG) 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

Dividends

Citizens Financial (CFG) at 2.88% pays a yield in its industry’s typical range, while Lloyds Banking (LYG) at 0.77% falls in the bottom quartile of its peers.

Citizens Financial (CFG) at 37.17% pays out a band-typical share of earnings, while Lloyds Banking (LYG) at 41.85% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Lloyds Banking (LYG) at 9.79 sits in the cheaper P/E ratio quartile, while Citizens Financial (CFG) at 12.78 is closer to its industry’s usual earnings multiple — a discount for LYG, though growth and earnings durability still matter.

P/S ratio is set aside for both Citizens Financial (CFG) in Banks and Lloyds Banking (LYG) 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.

On P/B ratio, both Citizens Financial (CFG) at 1.16 and Lloyds Banking (LYG) at 1.19 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics