Live Report · Updated January 21, 2026

Citizens vs Principal Financial

Citizens vs Principal Financial: this page compares the two organisations' business models, financial performance and market context in a neutral, accessible way. It outlines how each company approaches customers, risk and growth within the financial services sector. Educational content, not financial advice.

Citizens vs Principal Financial: this page compares the two organisations' business models, financial performance and market context in a neutral, accessible way. It outlines how each company approach...

Comparison Snapshot

Key Financial Metrics

CFG

Metric

PFG

$25.69B

Market Cap

$19.45B

-3.49%

Potential Profit

-2.66%

Buy

Analyst Rating

Hold

Why It's Moving

CFG Stock Braces for Pivotal Q4 Earnings Drop as Wall Street Bets on Robust Growth.

Wall Street projects $1.11-$1.12 EPS and $2.15B revenue, signaling 30%+ year-over-year earnings growth and highlighting resilience in consumer and commercial banking.
CFG's track record shines with four straight EPS beats, including a 2.94% surprise last quarter, building optimism for margin tailwinds from expiring rate hedges.
Strategic pushes into AI-driven cost savings and maturing private banking position CFG for 30% earnings surge in 2026, offsetting risks like commercial real estate.

Sentiment:

🐃Bullish

CFG Stock Braces for Pivotal Q4 Earnings Drop as Wall Street Bets on Robust Growth.

Wall Street projects $1.11-$1.12 EPS and $2.15B revenue, signaling 30%+ year-over-year earnings growth and highlighting resilience in consumer and commercial banking.
CFG's track record shines with four straight EPS beats, including a 2.94% surprise last quarter, building optimism for margin tailwinds from expiring rate hedges.
Strategic pushes into AI-driven cost savings and maturing private banking position CFG for 30% earnings surge in 2026, offsetting risks like commercial real estate.

Sentiment:

🐃Bullish

Investment Analysis

Citizens

CFG

Pros

Citizens Financial Group maintains a strong net interest margin, outperforming many peers in challenging rate environments.
The company has a diversified revenue base, with growth in private banking and wealth management services.
CFG offers a reliable and above-average dividend yield, supported by solid profitability and a manageable debt-to-equity ratio.

Considerations

Recent revenue and earnings have declined year-on-year, reflecting headwinds in the banking sector.
The stock's valuation is higher than the sector average, with a price-to-earnings ratio above peer levels.
Operational transformation initiatives carry execution risk and may not deliver expected efficiency gains.

Principal Financial

PFG

Pros

Principal Financial Group manages a vast portfolio of assets, providing scale and diversification across multiple asset classes.
The company's top holdings include leading technology and growth stocks, offering exposure to high-performing sectors.
Principal Financial has a strong presence in retirement and investment solutions, benefiting from long-term demographic trends.

Considerations

Principal's performance is closely tied to financial market conditions, making it sensitive to equity and interest rate volatility.
The company faces intense competition in the asset management and retirement services sectors, pressuring margins.
Principal's portfolio is concentrated in a few large-cap stocks, increasing risk if those holdings underperform.

About The Companies

Citizens (CFG)

Citizens Financial Group, Inc. (CFG) is a US regional bank that provides retail and commercial banking, mortgage, corporate and investment banking, and wealth management services. Headquartered in Providence, Rhode Island, it serves consumers and businesses across the Northeast, Mid‑Atlantic and Midwest. Investors typically watch Citizens for its sensitivity to interest rates, loan growth, credit quality and deposit trends — all key drivers of profitability for regional banks. The bank generates income from net interest margin, fees and lending activity, but is exposed to economic cycles and credit risk; loan losses can rise if the economy weakens. Citizens has historically paid a dividend, though distributions depend on board decisions and regulatory guidance. This summary is educational and not personal financial advice. Bank stocks can be volatile and past performance is not a reliable guide to future returns; anyone considering an investment should assess their own risk tolerance and time horizon and may wish to consult a qualified adviser.

Principal Financial (PFG)

Principal Financial Group (PFG) is a US-based financial services company focused on retirement solutions, asset management and insurance products. Its operations include workplace retirement plans, individual retirement accounts, institutional asset management and life and disability insurance. With a market capitalisation around $17.7bn, PFG earns revenue from investment management fees, insurance premiums and plan administration services, making it sensitive to market performance, interest rates and demographic trends. Investors should be aware of equity market volatility, insurance underwriting and longevity risks, plus regulatory and capital requirements that affect insurers. The company historically emphasises steady cash flows and dividends, but past distributions are not a guarantee of future payments. This summary is for general, educational purposes only and not personal investment advice; suitability depends on your individual circumstances and risk tolerance.

Citizens (CFG) Next Earnings Date

Citizens Financial Group will release its fourth quarter and full year 2025 earnings on January 21, 2026, with a press release expected at approximately 6:20 a.m. Eastern Time. The company's earnings call to discuss financial results is scheduled for 9:00 a.m. Eastern Time on that same date. Analysts are currently projecting earnings per share of $1.11 for the quarter. This earnings announcement will provide investors with the company's full-year 2025 performance and guidance on its "Reimagining the Bank" strategy, which emphasizes AI-driven efficiency gains and private banking expansion.

Citizens (CFG) Next Earnings Date

Citizens Financial Group will release its fourth quarter and full year 2025 earnings on January 21, 2026, with a press release expected at approximately 6:20 a.m. Eastern Time. The company's earnings call to discuss financial results is scheduled for 9:00 a.m. Eastern Time on that same date. Analysts are currently projecting earnings per share of $1.11 for the quarter. This earnings announcement will provide investors with the company's full-year 2025 performance and guidance on its "Reimagining the Bank" strategy, which emphasizes AI-driven efficiency gains and private banking expansion.

Which Baskets Do They Appear In?

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Published: September 8, 2025

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Community Banking Catalyst

This carefully selected group of stocks features regional and community banks positioned to benefit from the FDIC's proposed simplification of the Community Reinvestment Act. Our professional analysts identified these financial institutions as potentially gaining from reduced regulatory burdens, which could boost lending capacity and shareholder value.

Published: July 14, 2025

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Banks Unleash Value

Major US banks are flexing their financial muscle by increasing dividends and launching buyback programs after acing the Fed's annual stress tests. These moves signal strength and confidence, creating opportunities for investors seeking both income and growth.

Published: July 2, 2025

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Which Baskets Do They Appear In?

Fed Pivot Stocks: Rate Cut Risks & Opportunities

A weaker-than-expected jobs report has increased the likelihood of a Federal Reserve interest rate cut. This theme focuses on companies poised to benefit from lower borrowing costs, which can stimulate lending and consumer spending.

Published: September 8, 2025

Explore Basket

Community Banking Catalyst

This carefully selected group of stocks features regional and community banks positioned to benefit from the FDIC's proposed simplification of the Community Reinvestment Act. Our professional analysts identified these financial institutions as potentially gaining from reduced regulatory burdens, which could boost lending capacity and shareholder value.

Published: July 14, 2025

Explore Basket

Banks Unleash Value

Major US banks are flexing their financial muscle by increasing dividends and launching buyback programs after acing the Fed's annual stress tests. These moves signal strength and confidence, creating opportunities for investors seeking both income and growth.

Published: July 2, 2025

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Rally in Financials

Goldman Sachs' recent outperformance signals a potential wave of growth in the financial sector. This collection features carefully selected financial institutions positioned to benefit from favorable market conditions, easing yields, and renewed investor confidence.

Published: July 1, 2025

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Banks

These carefully selected banking stocks represent the financial institutions that keep the global economy running. Our professional analysts have handpicked these companies for their role in the digital transformation of financial services and their potential for steady returns.

Published: May 28, 2025

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Comparison Snapshot

Why It's Moving

CFG Stock Braces for Pivotal Q4 Earnings Drop as Wall Street Bets on Robust Growth.

CFG Stock Braces for Pivotal Q4 Earnings Drop as Wall Street Bets on Robust Growth.