Citizens Financial Group, Inc. (CFG)vsJPMorgan Chase & Co (JPM)
CFG
Citizens Financial Group, Inc.
$63.24
-0.92%
FINANCIAL SERVICES · Cap: $27.49B
JPM
JPMorgan Chase & Co
$334.51
-0.84%
FINANCIAL SERVICES · Cap: $895.04B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 2172% more annual revenue ($190.73B vs $8.39B). JPM leads profitability with a 34.6% profit margin vs 27.0%. JPM appears more attractively valued with a PEG of 1.43. 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 36.6%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 34.3% YoY
Mega-cap, among the largest globally
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 42.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
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 27.0% and operating margin at 36.6%. Revenue growth of 11.9% 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 34.6% and operating margin at 42.6%. Revenue growth of 10.2% demonstrates continued momentum.
Bear Case : CFG
The primary concerns for CFG are PEG Ratio, Altman Z-Score.
Bear Case : JPM
The primary concerns for JPM are Altman Z-Score, Debt/Equity. Debt-to-equity of 3.32 is elevated, increasing financial risk.
Key Dynamics to Monitor
CFG carries more volatility with a beta of 1.06 — expect wider price swings.
CFG is growing revenue faster at 11.9% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CFG scores higher overall (77/100 vs 73/100), backed by strong 27.0% margins and 11.9% 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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