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CFG vs JPM

CFG
Citizens Financial Group, Inc.
NEUTRAL
Price
$63.79
Market Cap
$27.18B
Sector
Financial Services
AI Confidence
85%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CFG
15.12
JPM
15.68
Forward P/E
CFG
9.99
JPM
13.42
P/B Ratio
CFG
1.13
JPM
2.47
P/S Ratio
CFG
3.45
JPM
5.03
EV/EBITDA
CFG
--
JPM
--

Profitability

Gross Margin
CFG
0.0%
JPM
0.0%
Operating Margin
CFG
32.05%
JPM
41.06%
Profit Margin
CFG
25.05%
JPM
33.91%
ROE
CFG
7.74%
JPM
16.13%
ROA
CFG
0.88%
JPM
1.35%

Growth

Revenue Growth
CFG
13.8%
JPM
2.5%
Earnings Growth
CFG
46.8%
JPM
-3.6%

Financial Health

Debt/Equity
CFG
--
JPM
--
Current Ratio
CFG
--
JPM
--
Quick Ratio
CFG
--
JPM
--

Dividends

Dividend Yield
CFG
2.88%
JPM
1.91%
Payout Ratio
CFG
41.71%
JPM
28.97%

AI Verdict

CFG NEUTRAL

CFG presents a stark contrast between fundamental value and operational health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is significantly undervalued relative to its Graham Number ($73.23) and Intrinsic Value ($124.49), the low health score and bearish technical trend (10/100) suggest underlying instability. Strong YoY earnings growth of 46.8% and a consistent track record of EPS beats provide a bullish growth narrative, but these are offset by poor deterministic health metrics and bearish insider sentiment.

Strengths
Significant undervaluation relative to Graham Number ($73.23) and Intrinsic Value ($124.49)
Strong earnings growth (YoY +46.8%) and revenue growth (YoY +13.8%)
Excellent earnings track record with consistent beats over 25 quarters
Risks
Critically low Piotroski F-Score (2/9) indicating weak financial health trends
Strongly bearish technical trend (10/100) suggesting negative price momentum
Bearish insider sentiment with net selling activity
JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)

Compare Another Pair

CFG vs JPM: Head-to-Head Comparison

This page compares Citizens Financial Group, Inc. (CFG) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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