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Citizens Financial Group, Inc. (CFG) vs KeyCorp (KEY)

Citizens Financial Group, Inc. and KeyCorp are both Banks Regional companies. Citizens Financial Group, Inc. is the larger, with a market value of $26.8B against $22.1B — 1.2× the size. KeyCorp trades at the lower P/E: 11.5× against 12.8×. KeyCorp grew revenue faster over the last twelve months: 8.99% against 4.39%. KeyCorp has the higher net margin (17.6% vs 16.9%) and the higher return on invested capital (12.2% vs 6.30%). Both pay a dividend; KeyCorp yields more (3.91% vs 2.97%). Across the 19 metrics below, KeyCorp leads on 14 and Citizens Financial Group, Inc. on 5.

Valuation

Metric CFG KEY Banks Regional median
P/E 12.78 11.47 12.02
P/S 2.15 1.97 2.36
P/B 1.17 1.40 1.23
Price to free cash flow 32.96 14.57 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.83% 8.72% 8.21%
Free cash flow yield 3.03% 6.86% 9.23%

Profitability

Metric CFG KEY Banks Regional median
Gross margin 71.13% 70.72% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.93% 17.55% 18.82%
Free cash flow margin 8.43% 13.54% 17.97%
Return on equity 9.11% 11.79% 10.28%
Return on assets 0.93% 1.04% 1.13%
Return on invested capital 6.30% 12.15% 8.45%

Growth

Metric CFG KEY Banks Regional median
Revenue growth (TTM) 4.39% 8.99% 6.37%
EPS growth (last fiscal year) 27.39% 575.00% 18.85%
Revenue growth, 5-year CAGR 9.45% 8.88% 12.65%
Net income growth, 5-year CAGR 12.18% 6.39% 9.81%

Health

Metric CFG KEY Banks Regional median
Debt to equity 0.68 0.64 0.17
Current ratio 0.86 0.84 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFG KEY Banks Regional median
Dividend yield 2.97% 3.91% 2.49%
Payout ratio 0.38 0.45 0.29

Size

Metric CFG KEY Banks Regional median
Market cap 26.76b 22.13b 934.85m

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