Citizens Financial Group vs Fifth Third Bancorp
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KIRAβs take AI analyst
I put Citizens Financial Group and Fifth Third Bancorp side by side, using each oneβs latest annual report. Here is what stands out:
- Fifth Third Bancorp is the larger business, with $9.0B of revenue in fiscal 2025 against $8.2B for Citizens Financial Group.
- Fifth Third Bancorp grew revenue faster (6.4%, against 5.6%).
- Investors pay more for each dollar of Fifth Third Bancorpβs earnings: a P/E of 18.1x against 14.2x for Citizens Financial Group.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Citizens Financial Group
CFG
2/5
5-year growthShare count change
Fifth Third Bancorp
FITB
3/5
Revenue growthNet marginReturn on equity
Side by side
Best in the row
| Latest fiscal year | CFG FY25 | FITB FY25 |
|---|---|---|
| Size | ||
| Market cap | $28.6B | $35.7B |
| Revenue | $8.2B | $9.0B |
| Free cash flow | β | β |
| Net income | $1.8B | $2.5B |
| Growth | ||
| Revenue growth | 5.6% | 6.4% |
| 5-year growth | 3.6% | 3.5% |
| Share count change | β3.7% | β2.2% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 22.2% | 28.0% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 7.2% | 12.2% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $1.4B | $1.7B |
| Valuation & quality | ||
| P/E | 14.2x | 18.1x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
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.