CFG vs RJF
Citizens Financial Group vs Raymond James Financial — AI-powered side-by-side comparison
CFG
Citizens Financial Group
74
Buy
VS
RJF
Raymond James Financial
59
Buy
| Metric | CFG | RJF |
|---|
| AI Score |
74
|
59
|
| Price |
$74.33
|
$179.53
|
| P/E Ratio |
16.11×
|
15.47×
|
| ROE |
7.0%
|
17.1%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
72.4%
|
83.5%
|
| Debt / Equity |
0.62×
|
0.42×
|
| Dividend Yield |
2.5%
|
1.2%
|
| RSI (14) |
71.3
|
67.5
|
| Beta |
1.006
|
0.92
|
| Expected Upside |
—
|
—
|
AI Committee View
Current Innellis committee reasoning for CFG versus RJF.
CFG leads by 15 points.
CFG scores 74/100 (Buy) versus RJF at 59/100 (Buy).
CFG Committee View
100% agreement
5 analysts
The primary driver is 5 consecutive earnings beats -- consistent execution. The main limiting factor is sector concentration is already high (hhi 2963.04). The committee is constructive but not yet at full conviction.
Bull Case
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- RSI at 71 is in overbought territory — Technical
- Price trading above the upper Bollinger Band -- stretched — Technical
- Weekly RSI at 79 -- overbought on the larger timeframe too — Technical
RJF Committee View
67% agreement
6 analysts
The committee is genuinely divided. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Risk Analyst remains cautious — high leverage (debt-to-equity 5.14) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- ROE of 18.3% shows genuine earnings power backing the valuation — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- Debt-to-equity of 5.14 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — Technical
- Weekly RSI at 80 -- overbought on the larger timeframe too — Technical