Citizens Financial Group, Inc. (CFG)vsLloyds Banking Group PLC ADR (LYG)
CFG
Citizens Financial Group, Inc.
$72.67
+0.33%
FINANCIAL SERVICES · Cap: $30.28B
LYG
Lloyds Banking Group PLC ADR
$6.28
+1.45%
FINANCIAL SERVICES · Cap: $90.28B
Smart Verdict
WallStSmart Research — data-driven comparison
Lloyds Banking Group PLC ADR generates 141% more annual revenue ($19.69B vs $8.16B). LYG leads profitability with a 26.4% profit margin vs 26.1%. LYG appears more attractively valued with a PEG of 0.76. CFG earns a higher WallStSmart Score of 77/100 (B+).
CFG
Strong Buy77
out of 100
Grade: B+
LYG
Strong Buy70
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 35.1%
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 41.3% YoY
Reasonable price relative to book value
Strong operational efficiency at 45.0%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
No major concerns identified
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 26.1% and operating margin at 35.1%. Revenue growth of 14.7% demonstrates continued momentum.
Bull Case : LYG
The strongest argument for LYG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.4% and operating margin at 45.0%. Revenue growth of 12.3% demonstrates continued momentum.
Bear Case : CFG
The primary concerns for CFG are PEG Ratio, Altman Z-Score.
Bear Case : LYG
No major red flags identified for LYG, but monitor valuation.
Key Dynamics to Monitor
CFG carries more volatility with a beta of 1.00 — expect wider price swings.
CFG is growing revenue faster at 14.7% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CFG scores higher overall (77/100 vs 70/100), backed by strong 26.1% margins and 14.7% 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.
Lloyds Banking Group PLC ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Lloyds Banking Group plc, offers a range of banking and financial services in the UK and internationally. The company is headquartered in London, the United Kingdom.
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