Citizens Financial Group, Inc. (CFG)vsMizuho Financial Group Inc. (MFG)
CFG
Citizens Financial Group, Inc.
$72.67
+0.33%
FINANCIAL SERVICES · Cap: $30.28B
MFG
Mizuho Financial Group Inc.
$10.71
+0.19%
FINANCIAL SERVICES · Cap: $127.18B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 57954% more annual revenue ($4.74T vs $8.16B). MFG leads profitability with a 29.1% profit margin vs 26.1%. CFG appears more attractively valued with a PEG of 1.65. MFG earns a higher WallStSmart Score of 82/100 (A-).
CFG
Strong Buy77
out of 100
Grade: B+
MFG
Exceptional Buy82
out of 100
Grade: A-
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
Strong operational efficiency at 46.0%
Revenue surging 35.0% year-over-year
Generating 487.7B in free cash flow
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
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 : MFG
The strongest argument for MFG centers on Operating Margin, Revenue Growth, Free Cash Flow. Profitability is solid with margins at 29.1% and operating margin at 46.0%. Revenue growth of 35.0% demonstrates continued momentum.
Bear Case : CFG
The primary concerns for CFG are PEG Ratio, Altman Z-Score.
Bear Case : MFG
The primary concerns for MFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 5.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
CFG profiles as a mature stock while MFG is a growth play — different risk/reward profiles.
CFG carries more volatility with a beta of 1.00 — expect wider price swings.
MFG is growing revenue faster at 35.0% — sustainability is the question.
MFG generates stronger free cash flow (487.7B), providing more financial flexibility.
Bottom Line
MFG scores higher overall (82/100 vs 77/100), backed by strong 29.1% margins and 35.0% revenue growth. Both earn "Exceptional 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.
Mizuho Financial Group Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.
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