CFG vs. RY: Citizens Financial vs. Royal Bank of Canada Stock Comparison

Company Profile

Citizens Financial (CFG) and Royal Bank of Canada (RY) both belong to the Banks industry, though CFG is classified under Regional Banks while RY falls under Diversified Banks.

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

Royal Bank of Canada (RY) at 16.21% 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.

Royal Bank of Canada (RY) at 33.87% 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 Royal Bank of Canada (RY) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Royal Bank of Canada (RY) at 15.73% 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.

Only one side can be read here: Citizens Financial (CFG) reports EPS growth of 27.39%, ranked against its industry; Royal Bank of Canada (RY) has no EPS growth figure this period.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Citizens Financial (CFG) in Banks and Royal Bank of Canada (RY) 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 Royal Bank of Canada (RY) 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

Royal Bank of Canada (RY) at 3.23% delivers top-quartile income for its industry, while Citizens Financial (CFG) at 2.88% pays a more typical yield — both are credible income propositions, RY the richer one.

Citizens Financial (CFG) at 37.17% pays out a band-typical share of earnings, while Royal Bank of Canada (RY) at 41.49% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Citizens Financial (CFG) at 12.78 is near its industry’s usual P/E ratio, while Royal Bank of Canada (RY) at 17.58 sits in the richer quartile — RY needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Citizens Financial (CFG) in Banks and Royal Bank of Canada (RY) 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.

Citizens Financial (CFG) at 1.16 sits near its industry’s typical P/B ratio, while Royal Bank of Canada (RY) at 2.92 prices above its benchmark range — RY looks rich relative to book.

Valuation Metrics