CFG vs. SAN: Citizens Financial vs. Banco Santander Stock Comparison

Company Profile

Citizens Financial (CFG) and Banco Santander (SAN) both belong to the Banks industry, though CFG is classified under Regional Banks while SAN falls under Diversified Banks.

Citizens Financial (CFG) trades as ordinary local shares, while Banco Santander (SAN) 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

Banco Santander (SAN) at 13.06% 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.

Banco Santander (SAN) at 32.58% 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 Banco Santander (SAN) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Citizens Financial (CFG) at 5.61% and Banco Santander (SAN) at -0.47% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Both Citizens Financial (CFG) at 27.39% and Banco Santander (SAN) at 17.19% 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 Banco Santander (SAN) 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 Banco Santander (SAN) 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

Both Citizens Financial (CFG) at 2.88% and Banco Santander (SAN) at 2.10% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Both Citizens Financial (CFG) at 37.17% and Banco Santander (SAN) at 25.91% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Both Citizens Financial (CFG) at 12.78 and Banco Santander (SAN) at 11.08 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

P/S ratio is set aside for both Citizens Financial (CFG) in Banks and Banco Santander (SAN) 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 Banco Santander (SAN) at 1.33 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics