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 +13.3% compared to +9.7%
CFG vs SPY - Performance Comparison
Key Characteristics
Financial metrics and valuation ratios
Market Cap / Net Assets
CFG
$28B
Winner
SPY
$652B
Expense Ratio
CFG
N/A
SPY
0.09%
Max Drawdown
CFG
68.00%
Winner
SPY
56.47%
Sharpe Ratio
CFG
2.05
Winner
SPY
2.07
5Y Beta
CFG
1.19
Winner
SPY
1.00
Industry
CFG
Banks - Regional
SPY
N/A
P/E Ratio
Winner
CFG
14.28
SPY
28.24
Forward P/E
Winner
CFG
12.39
SPY
21.85
PEG Ratio
CFG
0.45
SPY
N/A
Dividend Yield
CFG
2.74%
SPY
N/A
5Y Dividends CAGR
Winner
CFG
7.31%
SPY
5.43%
5Y EPS CAGR
CFG
3.71%
Winner
SPY
25.79%
Debt to Equity
CFG
47.05%
Winner
SPY
22.35%
Free Cash Flow Yield
CFG
9.52%
SPY
N/A
P/S Ratio
Winner
CFG
3.52
SPY
3.55
P/B Ratio
Winner
CFG
1.13
SPY
5.29
CFG vs SPY - Historical Returns
Returns include dividend reinvestment.
1M
CFG
+0.63%
Winner
SPY
+9.11%
3M
CFG
-5.20%
Winner
SPY
+6.59%
6M
Winner
CFG
+25.00%
SPY
+10.56%
1Y
Winner
CFG
+68.69%
SPY
+32.04%
5Y(CAGR)
CFG
+9.68%
Winner
SPY
+13.35%
10Y(CAGR)
Winner
CFG
+15.55%
SPY
+15.49%
Max(CAGR)
Winner
CFG
+13.00%
SPY
+8.50%
CFG vs SPY - Annual Returns (1999 - 2026)
Returns include dividend reinvestment.
| Year | CFG | SPY |
|---|---|---|
| 2026 | +8.81% | +8.27% |
| 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% |
| 2013 | N/A | +29.00% |
| 2012 | N/A | +14.17% |
| 2011 | N/A | +0.85% |
| 2010 | N/A | +13.14% |
| 2009 | N/A | +22.67% |
| 2008 | N/A | -36.25% |
| 2007 | N/A | +5.32% |
| 2006 | N/A | +13.85% |
| 2005 | N/A | +5.32% |
| 2004 | N/A | +10.75% |
| 2003 | N/A | +24.18% |
| 2002 | N/A | -22.42% |
| 2001 | N/A | -10.13% |
| 2000 | N/A | -8.84% |
| 1999 | N/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 CFG drawdown is -5.78%.
| Rank | CFG | SPY |
|---|---|---|
| #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 - Mar 13, 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 0.88 which considered as a strong positive correlation - the stocks tend to move together.
0.88
-101
Dividend Comparison (1999 - 2026)
CFG vs SPY dividend yield comparison.
| Year | CFG | SPY |
|---|---|---|
| 2026 | 1.44% | 0.24% |
| 2025 | 2.94% | 1.07% |
| 2024 | 3.84% | 1.21% |
| 2023 | 5.07% | 1.40% |
| 2022 | 4.11% | 1.65% |
| 2021 | 3.30% | 1.20% |
| 2020 | 4.36% | 1.52% |
| 2019 | 3.35% | 1.75% |
| 2018 | 3.30% | 2.04% |
| 2017 | 1.52% | 1.80% |
| 2016 | 1.29% | 2.03% |
| 2015 | 1.53% | 2.06% |
| 2014 | 0.40% | 1.87% |
| 2013 | 0.00% | 1.81% |
| 2012 | 0.00% | 2.18% |
| 2011 | 0.00% | 2.05% |
| 2010 | 0.00% | 1.80% |
| 2009 | 0.00% | 1.95% |
| 2008 | 0.00% | 3.02% |
| 2007 | 0.00% | 1.85% |
| 2006 | 0.00% | 1.73% |
| 2005 | 0.00% | 1.73% |
| 2004 | 0.00% | 1.82% |
| 2003 | 0.00% | 1.47% |
| 2002 | 0.00% | 1.70% |
| 2001 | 0.00% | 1.25% |
| 2000 | 0.00% | 1.15% |
| 1999 | 0.00% | 0.24% |
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