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CFG vs WTW

CFG
Citizens Financial Group, Inc.
NEUTRAL
Price
$63.79
Market Cap
$27.18B
Sector
Financial Services
AI Confidence
85%
WTW
Willis Towers Watson Public Limited Company
NEUTRAL
Price
$290.89
Market Cap
$27.5B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CFG
15.12
WTW
17.89
Forward P/E
CFG
9.99
WTW
12.99
P/B Ratio
CFG
1.13
WTW
3.47
P/S Ratio
CFG
3.45
WTW
2.83
EV/EBITDA
CFG
--
WTW
11.92

Profitability

Gross Margin
CFG
0.0%
WTW
41.58%
Operating Margin
CFG
32.05%
WTW
35.39%
Profit Margin
CFG
25.05%
WTW
16.53%
ROE
CFG
7.74%
WTW
20.08%
ROA
CFG
0.88%
WTW
4.83%

Growth

Revenue Growth
CFG
13.8%
WTW
-3.3%
Earnings Growth
CFG
46.8%
WTW
-38.2%

Financial Health

Debt/Equity
CFG
--
WTW
0.86
Current Ratio
CFG
--
WTW
1.21
Quick Ratio
CFG
--
WTW
0.44

Dividends

Dividend Yield
CFG
2.88%
WTW
1.32%
Payout Ratio
CFG
41.71%
WTW
22.63%

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
WTW NEUTRAL

WTW presents a dichotomy between strong operational profitability and poor deterministic valuation. The Piotroski F-Score of 4/9 indicates stable but mediocre financial health, while the current price of $290.89 trades at a significant premium to both the Graham Number ($175.19) and Intrinsic Value ($113.82). Despite negative YoY revenue and earnings growth, the company maintains a strong ROE of 20.08% and a consistent track record of beating earnings estimates. The outlook is tempered by bearish insider sentiment and a weak technical trend, offsetting the bullish analyst consensus.

Strengths
Strong Return on Equity (ROE) of 20.08%
High Operating Margin of 35.39%
Consistent earnings beat track record (3 of last 4 quarters)
Risks
Significant overvaluation relative to Graham and Intrinsic value baselines
Negative YoY Revenue (-3.30%) and Earnings (-38.20%) growth
Low Quick Ratio (0.44) suggesting potential short-term liquidity constraints

Compare Another Pair

CFG vs WTW: Head-to-Head Comparison

This page compares Citizens Financial Group, Inc. (CFG) and Willis Towers Watson Public Limited Company (WTW) 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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