Citizens Financial Group, Inc. (CFG)vsJPMorgan Chase & Co (JPM)
CFG
Citizens Financial Group, Inc.
$63.73
-0.76%
FINANCIAL SERVICES · Cap: $27.16B
JPM
JPMorgan Chase & Co
$302.10
-1.36%
FINANCIAL SERVICES · Cap: $820.65B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 2101% more annual revenue ($173.56B vs $7.88B). JPM leads profitability with a 33.9% profit margin vs 25.1%. CFG appears more attractively valued with a PEG of 1.65. CFG earns a higher WallStSmart Score of 77/100 (B+).
CFG
Strong Buy77
out of 100
Grade: B+
JPM
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 32.1%
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 46.8% YoY
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.7%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
ROE of 7.7% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CFG
The strongest argument for CFG centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 25.1% and operating margin at 32.1%. Revenue growth of 13.8% demonstrates continued momentum.
Bull Case : JPM
The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 43.7%. Revenue growth of 12.7% demonstrates continued momentum.
Bear Case : CFG
The primary concerns for CFG are PEG Ratio, Return on Equity, Altman Z-Score.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Debt/Equity, Free Cash Flow.
Key Dynamics to Monitor
CFG carries more volatility with a beta of 1.04 — expect wider price swings.
CFG is growing revenue faster at 13.8% — sustainability is the question.
CFG generates stronger free cash flow (237M), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CFG scores higher overall (77/100 vs 73/100), backed by strong 25.1% margins and 13.8% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Citizens Financial Group, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Citizens Financial Group, Inc. is an American bank headquartered in Providence, Rhode Island.
JPMorgan Chase & Co
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.
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