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CFG vs V

CFG
Citizens Financial Group, Inc.
NEUTRAL
Price
$63.79
Market Cap
$27.18B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
CFG
15.12
V
28.35
Forward P/E
CFG
9.99
V
20.79
P/B Ratio
CFG
1.13
V
15.09
P/S Ratio
CFG
3.45
V
14.08
EV/EBITDA
CFG
--
V
20.06

Profitability

Gross Margin
CFG
0.0%
V
97.78%
Operating Margin
CFG
32.05%
V
68.3%
Profit Margin
CFG
25.05%
V
50.23%
ROE
CFG
7.74%
V
53.95%
ROA
CFG
0.88%
V
18.36%

Growth

Revenue Growth
CFG
13.8%
V
14.6%
Earnings Growth
CFG
46.8%
V
17.4%

Financial Health

Debt/Equity
CFG
--
V
0.55
Current Ratio
CFG
--
V
1.11
Quick Ratio
CFG
--
V
0.72

Dividends

Dividend Yield
CFG
2.88%
V
0.89%
Payout Ratio
CFG
41.71%
V
22.91%

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
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

CFG vs V: Head-to-Head Comparison

This page compares Citizens Financial Group, Inc. (CFG) and Visa Inc. (V) 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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