Citizens Financial Group vs Regions Financial
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The short version
- Citizens Financial Group is the larger business, with $8.2B of revenue in fiscal 2025 against $7.5B for Regions Financial.
- Regions Financial grew revenue faster (6.3%, against 5.6%).
- Investors pay more for each dollar of Citizens Financial Groupβs earnings: a P/E of 14.2x against 11.6x for Regions Financial.
| Latest fiscal year | CFG Β· FY25 | RF Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $28.5B | $25.5B |
| Revenue | $8.2B | $7.5B |
| Free cash flow | β | β |
| Net income | $1.8B | $2.2B |
| Growth | ||
| Revenue growth | 5.6% | 6.3% |
| 5-year growth | 3.6% | 3.7% |
| Share count change | β3.7% | β2.4% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 22.2% | 28.7% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 7.2% | 11.7% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $1.4B | $2.0B |
| Valuation & quality | ||
| P/E | 14.2x | 11.6x |
| Piotroski F-score | β | β |
Revenue
FY16
CFG $5.3B
RF $5.4B
FY17
CFG $5.7B
RF $5.5B
FY18
CFG $6.1B
RF $5.8B
FY19
CFG $6.5B
RF $5.9B
FY20
CFG $6.9B
RF $6.3B
FY21
CFG $6.6B
RF $6.4B
FY22
CFG $8.0B
RF $7.2B
FY23
CFG $8.2B
RF $7.6B
FY24
CFG $7.8B
RF $7.1B
FY25
CFG $8.2B
RF $7.5B
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Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.