Citizens Financial Group (CFG) vs HDFC Bank (HDB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Citizens Financial Group (CFG) has outperformed HDFC Bank (HDB) over the past year, gaining 18.7% versus a loss of 36.6%. Over five years, CFG leads with a +31.1% price change compared with -41.6% for HDB. HDFC Bank is the larger company by market cap ($113.12 billion vs $26.99 billion), about 4.2 times the size.
On valuation, Citizens Financial Group trades at a lower forward P/E (9.8x vs 15.8x for HDFC Bank). HDFC Bank offers the higher dividend yield (59.06% vs 2.81%). HDFC Bank converts more of its revenue into profit, with a net margin of 30.8% versus 22.2%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CFG | HDB |
|---|---|---|
| Share price | $64.09 | $22.01 |
| Market cap | $26.99B | $113.12B |
| 1-day change | +1.62% | -0.59% |
| YTD return | +7.98% | -39.41% |
| 1-year return | +18.71% | -36.58% |
| 5-year return | +31.15% | -41.55% |
| P/E ratio (TTM) | 13.96 | 14.20 |
| Forward P/E | 9.84 | 15.82 |
| EPS (TTM) | $4.59 | $1.55 |
| Dividend yield | 2.81% | 59.06% |
| Annual dividend | $1.80 | $13.00 |
| Revenue (latest FY) | $8.25B | $25.64B |
| Revenue growth (YoY) | +5.61% | +15.25% |
| Net income (latest FY) | $1.83B | $7.88B |
| Net margin | 22.20% | 30.75% |
| 52-week high | $75.33 | $37.45 |
| 52-week low | $47.96 | $21.71 |
| Distance from 52-week high | -14.92% | -41.23% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +23.48% | +38.71% |
| Average volume | 3.86M | 9.79M |
| Shares outstanding | 421.18M | 5.14B |
| Employees | 17,727 | 212,958 |
| Sector | Finance | Finance |
| Industry | Major Banks | Commercial Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- HDFC Bank is about 4.2 times larger than Citizens Financial Group by market value ($113.12B vs $26.99B).
- CFG has outperformed HDB by 55.3 percentage points over the past year.
- HDFC Bank offers a meaningfully higher dividend yield (59.06% vs 2.81%).
- HDFC Bank is more profitable, keeping 30.8 cents of every revenue dollar as net income versus 22.2 cents for Citizens Financial Group.
- HDFC Bank grew revenue faster in its latest fiscal year (+15.25% vs +5.61%).
About Citizens Financial Group
CFG stock →Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States.
Finance · Major Banks · 17,727 employees
About HDFC Bank
HDB stock →HDFC Bank Limited provides banking and financial products and services to individuals and businesses in India, Bahrain, Hong Kong, Singapore, and Dubai. The company operates through Treasury, Retail Banking, Wholesale Banking, Other Banking Business, Insurance Business, and Other segments.
Finance · Commercial Banks · 212,958 employees
CFG vs HDB FAQ
Which is bigger, Citizens Financial Group or HDFC Bank?
HDFC Bank (HDB) is larger, with a market capitalization of $113.12B compared with $26.99B for Citizens Financial Group (CFG).
Which stock has performed better over the past year, CFG or HDB?
CFG returned +18.71% over the past 12 months, compared with -36.58% for HDB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CFG or HDB?
CFG has the lower trailing P/E at 14.0, versus 14.2 for HDB. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Citizens Financial Group or HDFC Bank?
HDFC Bank has the higher yield at 59.06%, compared with 2.81% for Citizens Financial Group.
Are Citizens Financial Group and HDFC Bank in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for Citizens Financial Group and Commercial Banks for HDFC Bank.