CFG
Citizens Financial Group, Inc.
CFG has the edge over JPM overall, supported by stronger fundamentals and stronger modeled upside.
JPM
JPMorgan Chase & Co.
JPM has slightly lower modeled downside risk, despite its lower overall score.
CFG Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CFG's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CFG.
JPM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JPM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JPM.
CFG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.9x | $39.08 | -40% |
| Forward | 10x | $64.86 | — |
| Fair | 11x | $54.21 | -16% |
| Current | 13x | $64.86 | — |
| Expensive | 16x | $79.51 | +23% |
Historical ranges are pointers, not guarantees.
CFG's PE is in its fair range at 13x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.
JPM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $231 | -33% |
| Fair | 12x | $287 | -16% |
| Current | 14x | $343 | — |
| Forward | 14x | $343 | — |
| Expensive | 15x | $361 | +5.2% |
Historical ranges are pointers, not guarantees.
JPM has the edge over CFG in the historical PE scenario, which offers more potential upside but is not a forecast.
CFG Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
CFG has the edge over JPM on the outlook, with more favorable valuation expectations.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
CFG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.18 | +25% |
| Q3 2026 | $4.96 | +39% |
| Q2 2026 | $4.60 | +40% |
| Q1 2026 | $4.22 | +34% |
| Q4 2025 | $3.86 | +27% |
| Q3 2025 | $3.57 | +39% |
| Q2 2025 | $3.29 | +25% |
| Q1 2025 | $3.15 | +13% |
| Q4 2024 | $3.03 | -3.2% |
CFG earned $4.96 per share over the past year, up 39% from the year before.
JPM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $24.99 | +4.8% |
| Q3 2026 | $23.85 | +18% |
| Q2 2026 | $23.35 | +20% |
| Q1 2026 | $20.89 | +2.5% |
| Q4 2025 | $20.02 | +1.4% |
| Q3 2025 | $20.20 | +12% |
| Q2 2025 | $19.50 | +8.7% |
| Q1 2025 | $20.38 | +23% |
| Q4 2024 | $19.75 | +22% |
JPM's earnings per share have climbed steadily: $23.85 over the past year, up 18% from the year before, and higher year over year for 15 quarters in a row.
CFG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2.3B | +9.6% |
| Q2 2026 | $2.3B | +12% |
| Q1 2026 | $2.2B | +12% |
| Q4 2025 | $2.2B | +8.6% |
| Q3 2025 | $2.1B | +11% |
| Q2 2025 | $2B | +3.8% |
| Q1 2025 | $1.9B | -1.2% |
| Q4 2024 | $2B | -0.1% |
CFG's revenue has grown year over year for six quarters in a row: $2.3B last quarter, up 9.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | +4.9 points |
| Q2 2026 | 33% | +5.9 points |
| Q1 2026 | 30% | +5.8 points |
| Q4 2025 | 31% | +5.8 points |
| Q3 2025 | 30% | +5 points |
| Q2 2025 | 27% | +2.8 points |
| Q1 2025 | 24% | +2.2 points |
| Q4 2024 | 26% | +15 points |
CFG's operating margin was 35% last quarter, up 4.9 points from the same quarter a year ago.
JPM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.2B | +8.1% |
| Q2 2026 | $57.3B | +28% |
| Q1 2026 | $49.8B | +10% |
| Q4 2025 | $45.8B | +7.1% |
| Q3 2025 | $46.4B | +8.8% |
| Q2 2025 | $44.9B | -11% |
| Q1 2025 | $45.3B | +8.1% |
| Q4 2024 | $42.8B | +11% |
JPM's revenue has grown year over year for five quarters in a row: $50.2B last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -0.2 points |
| Q2 2026 | 48% | +7.3 points |
| Q1 2026 | 41% | +0.5 points |
| Q4 2025 | 37% | -3.2 points |
| Q3 2025 | 40% | +0.6 points |
| Q2 2025 | 41% | -6 points |
| Q1 2025 | 41% | -0.6 points |
| Q4 2024 | 41% | +11 points |
JPM has the edge over CFG on profitability, with a higher operating margin.
CFG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $453M | -73% |
| Q2 2026 | $726M | -18% |
| Q1 2026 | $237M | +$450M |
| Q4 2025 | -$158M | -133% |
| Q3 2025 | $1.7B | +1205% |
| Q2 2025 | $886M | +6.2% |
| Q1 2025 | -$213M | -138% |
| Q4 2024 | $483M | -28% |
CFG has the edge over JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
JPM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.2B | +$78.4B |
| Q2 2026 | -$25.3B | -186% |
| Q1 2026 | -$211.8B | +$40.1B |
| Q4 2025 | $119.7B | -19% |
| Q3 2025 | -$45.2B | +$28.9B |
| Q2 2025 | $29.5B | -23% |
| Q1 2025 | -$251.8B | -$97.7B |
| Q4 2024 | $147.8B | +145% |
JPM's free cash flow was −$84.2B over the past year, against −$120B the year before. Free cash flow isn't a meaningful measure for financial services companies like JPM.
CFG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -1M shares |
| 1 year | -2.3% | -9.8M shares |
| 3 years | -9.7% | -45.5M shares |
| 5 years | -0.5% | -2.2M shares |
| Available history | -5.7% | -25.6M shares |
CFG has 426M diluted shares, down 2.3% from a year ago, with $775M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $125M |
| Q2 2026 | $225M |
| Q1 2026 | $300M |
| Q4 2025 | $125M |
| Q3 2025 | $75M |
| Q2 2025 | $200M |
| Q1 2025 | $200M |
| Q4 2024 | $225M |
CFG spent $775M buying back its own shares over the past year, up 11% from the year before.
JPM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -11.2M shares |
| 1 year | -3.1% | -84.6M shares |
| 3 years | -8.5% | -249M shares |
| 5 years | -11% | -322M shares |
| Available history | -17% | -547M shares |
JPM has the edge over CFG on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $6.8B |
| Q1 2026 | $8.3B |
| Q4 2025 | $8.3B |
| Q3 2025 | $8.3B |
| Q2 2025 | $7.5B |
| Q1 2025 | $7.5B |
| Q4 2024 | $4.3B |
JPM spent $24.5B buying back its own shares over the past year, down 11% from the year before.
CFG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 5.1x | High |
| Q2 2026 | 4.8x | High |
| Q1 2026 | 3.8x | Elevated |
| Q4 2025 | 3.5x | Elevated |
| Q3 2025 | 3.6x | Elevated |
| Q2 2025 | 4.7x | High |
| Q1 2025 | 4.6x | High |
| Q4 2024 | 4.6x | High |
CFG's net debt is about 5.1 years of its operating earnings (EBITDA), up from 3.5 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CFG.
JPM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.4x | Very low |
JPM has the edge over CFG on leverage, with a lower net debt burden relative to earnings.
CFG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.3 | Neutral |
| Stochastic | 16.2 | Oversold |
CFG's weekly RSI is 47 (neutral) and its Stochastic is 16 (oversold).
JPM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 31.5 | Neutral |
JPM's weekly RSI is 55 (neutral) and its Stochastic is 31 (neutral).
CFG PE vs Financial Services Sector
| Metric | CFG | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.5% above |
| PE % | 60 | 63 | 3 pts below |
CFG has the edge over JPM on valuation relative to its sector.
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM is trading at 14x earnings, a 10% premium to the Financial Services sector's median of 13x.
CFG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $64.2 | 1% above |
| 20 week MA | $68.3 | 5.1% below |
| 50 week MA | $64.6 | 0.4% above |
| 100 week MA | $55.2 | 18% above |
| 200 week MA | $44.7 | 45% above |
CFG's trend is mixed: it's above four of its five weekly moving averages, and 45% above its 200-week average.
JPM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $336.8 | 1.8% above |
| 20 week MA | $345.3 | 0.7% below |
| 50 week MA | $323.2 | 6.1% above |
| 100 week MA | $298.9 | 15% above |
| 200 week MA | $236.6 | 45% above |
JPM's trend is mixed: it's above four of its five weekly moving averages, and 45% above its 200-week average.
CFG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $40.5 | $35.1 | -13% |
| 2021 | $35.1 | $46.6 | +33% |
| 2022 | $46.6 | $38.9 | -17% |
| 2023 | $38.9 | $33.1 | -15% |
| 2024 | $33.1 | $43.6 | +32% |
| 2025 | $43.6 | $59.8 | +37% |
| 2026 YTD | $59.8 | $64.9 | +8.4% |
CFG has the edge over JPM on returns for 2026, with the stronger performance.
JPM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $139.1 | $124.5 | -11% |
| 2021 | $124.5 | $157.3 | +26% |
| 2022 | $157.3 | $131.3 | -17% |
| 2023 | $131.3 | $170.1 | +30% |
| 2024 | $170.1 | $241.2 | +42% |
| 2025 | $241.2 | $327.9 | +36% |
| 2026 YTD | $327.9 | $342.8 | +4.5% |
JPM has finished higher in four of the last six years. It's up 4.5% so far in 2026.