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CFG vs SPY

Comparison between Citizens Financial Group Inc (CFG, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceSPY has outperformed CFG, delivering a return of +13.2% compared to +13.1%

CFG vs SPY - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap / Net Assets
CFG
$29B
Winner
SPY
$784B
Expense Ratio
CFG
N/A
SPY
0.09%
Max Drawdown
CFG
68.00%
Winner
SPY
56.47%
Sharpe Ratio
Winner
CFG
2.04
SPY
1.54
5Y Beta
CFG
1.14
Winner
SPY
1.00
Industry
CFG
Banks - Regional
SPY
N/A
P/E Ratio
Winner
CFG
14.60
SPY
27.62
Forward P/E
Winner
CFG
12.02
SPY
21.11
PEG Ratio
CFG
0.46
SPY
N/A
Dividend Yield
CFG
2.62%
SPY
N/A
5Y Dividends CAGR
Winner
CFG
7.31%
SPY
6.00%
5Y EPS CAGR
CFG
3.71%
Winner
SPY
25.30%
Debt to Equity
CFG
47.05%
Winner
SPY
31.11%
Free Cash Flow Yield
CFG
9.31%
SPY
N/A
P/S Ratio
CFG
3.60
Winner
SPY
3.49
P/B Ratio
Winner
CFG
1.18
SPY
5.30

CFG vs SPY - Historical Returns

Returns include dividend reinvestment.

1M
Winner
CFG
+9.70%
SPY
-1.37%
3M
Winner
CFG
+19.83%
SPY
+12.22%
6M
Winner
CFG
+17.56%
SPY
+7.20%
1Y
Winner
CFG
+67.57%
SPY
+23.58%
5Y(CAGR)
CFG
+13.10%
Winner
SPY
+13.19%
10Y(CAGR)
Winner
CFG
+16.32%
SPY
+15.12%
Max(CAGR)
Winner
CFG
+13.62%
SPY
+8.44%

CFG vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearCFGSPY
2026+17.79%+7.95%
2025+39.15%+18.00%
2024+36.46%+25.59%
2023-11.29%+26.72%
2022-16.71%-18.64%
2021+37.87%+30.52%
2020-7.00%+17.28%
2019+38.20%+31.09%
2018-28.63%-5.24%
2017+19.13%+20.78%
2016+40.90%+13.59%
2015+7.46%+1.31%
2014+8.17%+14.56%
2013N/A+29.00%
2012N/A+14.17%
2011N/A+0.85%
2010N/A+13.14%
2009N/A+22.67%
2008N/A-36.25%
2007N/A+5.32%
2006N/A+13.85%
2005N/A+5.32%
2004N/A+10.75%
2003N/A+24.18%
2002N/A-22.42%
2001N/A-10.13%
2000N/A-8.84%
1999N/A+8.61%

CFG vs SPY Drawdown Comparison

The maximum drawdown for CFG was -65.60%, occurring on Mar 18, 2020. Recovery took 771 trading sessions.

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current SPY drawdown is -3.18%.

RankCFGSPY
#1-65.60%
Jan 23, 2018 - Feb 16, 2021		-55.20%
Oct 9, 2007 - Aug 16, 2012
#2-56.14%
Jan 14, 2022 - Jul 17, 2025		-47.50%
Mar 24, 2000 - Oct 26, 2006
#3-35.12%
Jun 5, 2015 - Nov 9, 2016		-33.70%
Feb 19, 2020 - Aug 10, 2020
#4-18.80%
May 17, 2021 - Oct 20, 2021		-24.50%
Jan 3, 2022 - Dec 13, 2023
#5-18.32%
Feb 6, 2026 - Jun 12, 2026		-19.34%
Sep 20, 2018 - Apr 12, 2019
#6-18.25%
Mar 1, 2017 - Nov 29, 2017		-18.76%
Feb 19, 2025 - Jun 26, 2025
#7-12.83%
Nov 24, 2021 - Jan 4, 2022		-13.02%
Jul 20, 2015 - Apr 18, 2016
#8-10.39%
Oct 6, 2025 - Nov 25, 2025		-10.10%
Jan 26, 2018 - Aug 6, 2018
#9-10.00%
Dec 24, 2014 - Feb 13, 2015		-9.44%
Sep 2, 2020 - Nov 11, 2020
#10-8.93%
Feb 24, 2021 - Apr 28, 2021		-9.30%
Jan 19, 2000 - Mar 17, 2000
#11-7.00%
Oct 1, 2014 - Oct 29, 2014		-9.05%
Jul 19, 2007 - Oct 5, 2007
#12-6.44%
Oct 20, 2021 - Nov 23, 2021		-8.88%
Jan 27, 2026 - Apr 14, 2026
#13-6.42%
Dec 27, 2016 - Jan 25, 2017		-8.41%
Jul 16, 2024 - Sep 19, 2024
#14-6.25%
Mar 17, 2015 - Apr 23, 2015		-7.35%
Sep 14, 2012 - Jan 2, 2013
#15-5.67%
Jul 23, 2025 - Aug 22, 2025		-7.27%
Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between CFG and SPY is 0.89 which considered as a strong positive correlation - the stocks tend to move together.

0.89
-101

Dividend Comparison (1999 - 2026)

CFG vs SPY dividend yield comparison.

YearCFGSPY
20261.33%0.50%
20252.94%1.07%
20243.84%1.21%
20235.07%1.40%
20224.11%1.65%
20213.30%1.20%
20204.36%1.52%
20193.35%1.75%
20183.30%2.04%
20171.52%1.80%
20161.29%2.03%
20151.53%2.06%
20140.40%1.87%
20130.00%1.81%
20120.00%2.18%
20110.00%2.05%
20100.00%1.80%
20090.00%1.95%
20080.00%3.02%
20070.00%1.85%
20060.00%1.73%
20050.00%1.73%
20040.00%1.82%
20030.00%1.47%
20020.00%1.70%
20010.00%1.25%
20000.00%1.15%
19990.00%0.24%

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