CFG vs SAN
Citizens Financial Group vs Banco Santander, S.A. — AI-powered side-by-side comparison
CFG
Citizens Financial Group
72
Buy
VS
SAN
Banco Santander, S.A.
70
Buy
| Metric | CFG | SAN |
|---|
| AI Score |
72
|
70
|
| Price |
$72.99
|
$14.70
|
| P/E Ratio |
15.73×
|
11.57×
|
| ROE |
7.0%
|
13.7%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
72.4%
|
72.3%
|
| Debt / Equity |
0.62×
|
4.12×
|
| Dividend Yield |
2.5%
|
1.9%
|
| RSI (14) |
54.0
|
68.6
|
| Beta |
1.006
|
0.934
|
| Expected Upside |
—
|
—
|
AI Committee View
Current Innellis committee reasoning for CFG versus SAN.
CFG leads by 2 points.
CFG scores 72/100 (Buy) versus SAN at 70/100 (Buy).
CFG Committee View
100% agreement
5 analysts
The primary driver is revenue growing 62.7% yoy -- genuine top-line momentum. The main limiting factor is 2 existing position pair(s) are highly correlated already. The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 14.4 is inexpensive for the broad market — Value
- Price-to-book of 1.0x is a discount to asset value — Value
- Dividend yield of 2.5% pays you to wait — Value
Bear Case
- MACD histogram negative -- bearish momentum — Technical
SAN Committee View
83% agreement
6 analysts
The primary driver is revenue growing 57.2% yoy -- genuine top-line momentum. The main limiting factor is high leverage (debt-to-equity 3.14) amplifies downside in a stress scenario. The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 11.6 is inexpensive for the broad market — Value
- Price-to-book of 1.5x is a discount to asset value — Value
- ROE of 15.5% shows genuine earnings power backing the valuation — Value
Bear Case
- Debt-to-equity of 3.14 adds balance-sheet risk to the value case — Value
- High leverage (debt-to-equity 3.14) amplifies downside in a stress scenario — Risk