ALL vs CFG
Allstate vs Citizens Financial Group — AI-powered side-by-side comparison
VS
CFG
Citizens Financial Group
71
Buy
| Metric | ALL | CFG |
|---|
| AI Score |
69
|
71
|
| Price |
$260.67
|
$74.15
|
| P/E Ratio |
5.05×
|
15.93×
|
| ROE |
33.6%
|
7.0%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
42.2%
|
72.4%
|
| Debt / Equity |
0.22×
|
0.62×
|
| Dividend Yield |
1.6%
|
2.5%
|
| RSI (14) |
39.8
|
65.1
|
| Beta |
0.156
|
1.006
|
| Expected Upside |
—
|
—
|
AI Committee View
Current Innellis committee reasoning for ALL versus CFG.
CFG leads by 2 points.
CFG scores 71/100 (Buy) versus ALL at 69/100 (Buy).
ALL Committee View
100% agreement
6 analysts
The primary driver is low leverage (debt-to-equity 0.24) -- balance sheet can absorb a shock. The main limiting factor is sector concentration is already high (hhi 2504.4). The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 4.9 is inexpensive for the broad market — Value
- ROE of 43.1% shows genuine earnings power backing the valuation — Value
- EPS growing 132.8% YoY — Growth
Bear Case
- MACD histogram negative -- bearish momentum — Technical
CFG Committee View
100% agreement
6 analysts
The primary driver is revenue growing 62.7% yoy -- genuine top-line momentum. The main limiting factor is sector concentration is already high (hhi 2504.4). The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 14.6 is inexpensive for the broad market — Value
- Price-to-book of 1.0x is a discount to asset value — Value
- Revenue growing 62.7% YoY -- genuine top-line momentum — Growth
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Weekly RSI at 77 -- overbought on the larger timeframe too — Technical