vs
CULLEN/FROST BANKERS, INC.（CFR）とCSG SYSTEMS INTERNATIONAL INC（CSGS）の財務データ比較。上の社名をクリックして会社を切り替えられます
CULLEN/FROST BANKERS, INC.の直近四半期売上が大きい（$580.9M vs $323.1M、CSG SYSTEMS INTERNATIONAL INCの約1.8倍）。CULLEN/FROST BANKERS, INC.の純利益率が高く（28.6% vs 2.2%、差は26.5%）。CULLEN/FROST BANKERS, INC.の前年同期比売上増加率が高い（8.3% vs 2.0%）。CULLEN/FROST BANKERS, INC.の直近四半期フリーキャッシュフローが多い（$127.3M vs $55.8M）。過去8四半期でCULLEN/FROST BANKERS, INC.の売上複合成長率が高い（7.6% vs 4.6%）
Frost Bankは米国テキサス州公認の銀行で、本社はサンアントニオに位置し、銀行持株会社カレン/フロスト・バンカーズ・インクの主要子会社です。テキサス州内に200の支店と1750台のATMを展開し、総資産額ベースで米国トップ60の銀行の1つに数えられます。
中国南玻集団股フン有限公司は中国最大級の建築用ガラスメーカーで、浮きガラス、建築用ガラス、ディスプレイ用ガラス、自動車用ガラス、コーティングガラス、鏡、カラーフィルターガラス、太陽光発電用ガラス、省エネガラスなど多種多様なガラス製品の製造・販売を手がけています。
CFR vs CSGS — 直接比較
損益計算書 — Q4 FY2025 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $580.9M | $323.1M |
| 純利益 | $166.3M | $7.0M |
| 粗利率 | — | 50.0% |
| 営業利益率 | 34.1% | 9.0% |
| 純利益率 | 28.6% | 2.2% |
| 売上前年比 | 8.3% | 2.0% |
| 純利益前年比 | 7.4% | -79.7% |
| EPS（希薄化後） | $2.56 | $0.24 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
| Q4 25 | $580.9M | $323.1M | ||
| Q3 25 | $567.3M | $303.6M | ||
| Q2 25 | $546.9M | $297.1M | ||
| Q1 25 | $540.2M | $299.5M | ||
| Q4 24 | $536.3M | $316.7M | ||
| Q3 24 | $518.0M | $295.1M | ||
| Q2 24 | $507.9M | $290.3M | ||
| Q1 24 | $501.4M | $295.1M |
| Q4 25 | $166.3M | $7.0M | ||
| Q3 25 | $174.4M | $20.5M | ||
| Q2 25 | $157.0M | $12.3M | ||
| Q1 25 | $150.9M | $16.1M | ||
| Q4 24 | $154.9M | $34.5M | ||
| Q3 24 | $146.5M | $19.1M | ||
| Q2 24 | $145.5M | $13.8M | ||
| Q1 24 | $135.7M | $19.5M |
| Q4 25 | — | 50.0% | ||
| Q3 25 | — | 48.1% | ||
| Q2 25 | — | 49.5% | ||
| Q1 25 | — | 48.4% | ||
| Q4 24 | — | 51.3% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | 47.3% | ||
| Q1 24 | — | 46.5% |
| Q4 25 | 34.1% | 9.0% | ||
| Q3 25 | 36.7% | 10.0% | ||
| Q2 25 | 34.1% | 10.0% | ||
| Q1 25 | 33.2% | 9.8% | ||
| Q4 24 | 34.3% | 13.4% | ||
| Q3 24 | 33.8% | 10.8% | ||
| Q2 24 | 34.5% | 8.8% | ||
| Q1 24 | 32.2% | 10.8% |
| Q4 25 | 28.6% | 2.2% | ||
| Q3 25 | 30.7% | 6.7% | ||
| Q2 25 | 28.7% | 4.1% | ||
| Q1 25 | 27.9% | 5.4% | ||
| Q4 24 | 28.9% | 10.9% | ||
| Q3 24 | 28.3% | 6.5% | ||
| Q2 24 | 28.6% | 4.8% | ||
| Q1 24 | 27.1% | 6.6% |
| Q4 25 | $2.56 | $0.24 | ||
| Q3 25 | $2.67 | $0.73 | ||
| Q2 25 | $2.39 | $0.44 | ||
| Q1 25 | $2.30 | $0.57 | ||
| Q4 24 | $2.36 | $1.20 | ||
| Q3 24 | $2.24 | $0.67 | ||
| Q2 24 | $2.21 | $0.48 | ||
| Q1 24 | $2.06 | $0.68 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | — | $180.0M |
| 総負債低いほど良い | — | $539.5M |
| 株主資本純資産 | $4.6B | $283.7M |
| 総資産 | $53.0B | $1.5B |
| 負債/資本比率低いほどレバレッジが低い | — | 1.90× |
8四半期トレンド — 暦四半期で整列
| Q4 25 | — | $180.0M | ||
| Q3 25 | — | $158.4M | ||
| Q2 25 | — | $145.9M | ||
| Q1 25 | — | $136.0M | ||
| Q4 24 | — | $161.8M | ||
| Q3 24 | — | $118.4M | ||
| Q2 24 | — | $110.4M | ||
| Q1 24 | — | $120.8M |
| Q4 25 | — | $539.5M | ||
| Q3 25 | — | $538.6M | ||
| Q2 25 | — | $537.8M | ||
| Q1 25 | — | $537.6M | ||
| Q4 24 | — | $538.5M | ||
| Q3 24 | — | $539.5M | ||
| Q2 24 | — | $540.5M | ||
| Q1 24 | — | $541.5M |
| Q4 25 | $4.6B | $283.7M | ||
| Q3 25 | $4.5B | $289.5M | ||
| Q2 25 | $4.2B | $290.7M | ||
| Q1 25 | $4.1B | $283.1M | ||
| Q4 24 | $3.9B | $282.6M | ||
| Q3 24 | $4.1B | $288.4M | ||
| Q2 24 | $3.7B | $273.3M | ||
| Q1 24 | $3.6B | $269.3M |
| Q4 25 | $53.0B | $1.5B | ||
| Q3 25 | $52.5B | $1.5B | ||
| Q2 25 | $51.4B | $1.4B | ||
| Q1 25 | $52.0B | $1.4B | ||
| Q4 24 | $52.5B | $1.5B | ||
| Q3 24 | $51.0B | $1.4B | ||
| Q2 24 | $48.8B | $1.4B | ||
| Q1 24 | $49.5B | $1.3B |
| Q4 25 | — | 1.90× | ||
| Q3 25 | — | 1.86× | ||
| Q2 25 | — | 1.85× | ||
| Q1 25 | — | 1.90× | ||
| Q4 24 | — | 1.91× | ||
| Q3 24 | — | 1.87× | ||
| Q2 24 | — | 1.98× | ||
| Q1 24 | — | 2.01× |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $274.0M | $59.2M |
| フリーキャッシュフロー営業CF - 設備投資 | $127.3M | $55.8M |
| FCFマージンFCF / 売上 | 21.9% | 17.3% |
| 設備投資強度設備投資 / 売上 | 25.2% | 1.1% |
| キャッシュ転換率営業CF / 純利益 | 1.65× | 8.46× |
| 直近12ヶ月FCF直近4四半期 | $116.4M | $141.4M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $274.0M | $59.2M | ||
| Q3 25 | $248.6M | $47.9M | ||
| Q2 25 | $140.8M | $37.3M | ||
| Q1 25 | $-296.1M | $11.5M | ||
| Q4 24 | $989.5M | $82.5M | ||
| Q3 24 | $307.2M | $39.5M | ||
| Q2 24 | $129.6M | $43.1M | ||
| Q1 24 | $488.4M | $-29.4M |
| Q4 25 | $127.3M | $55.8M | ||
| Q3 25 | $211.7M | $43.9M | ||
| Q2 25 | $114.5M | $34.6M | ||
| Q1 25 | $-337.1M | $7.1M | ||
| Q4 24 | $861.8M | $76.6M | ||
| Q3 24 | $281.9M | $32.0M | ||
| Q2 24 | $103.0M | $38.8M | ||
| Q1 24 | $450.3M | $-34.1M |
| Q4 25 | 21.9% | 17.3% | ||
| Q3 25 | 37.3% | 14.5% | ||
| Q2 25 | 20.9% | 11.6% | ||
| Q1 25 | -62.4% | 2.4% | ||
| Q4 24 | 160.7% | 24.2% | ||
| Q3 24 | 54.4% | 10.8% | ||
| Q2 24 | 20.3% | 13.4% | ||
| Q1 24 | 89.8% | -11.6% |
| Q4 25 | 25.2% | 1.1% | ||
| Q3 25 | 6.5% | 1.3% | ||
| Q2 25 | 4.8% | 0.9% | ||
| Q1 25 | 7.6% | 1.5% | ||
| Q4 24 | 23.8% | 1.9% | ||
| Q3 24 | 4.9% | 2.5% | ||
| Q2 24 | 5.2% | 1.5% | ||
| Q1 24 | 7.6% | 1.6% |
| Q4 25 | 1.65× | 8.46× | ||
| Q3 25 | 1.43× | 2.34× | ||
| Q2 25 | 0.90× | 3.04× | ||
| Q1 25 | -1.96× | 0.71× | ||
| Q4 24 | 6.39× | 2.39× | ||
| Q3 24 | 2.10× | 2.07× | ||
| Q2 24 | 0.89× | 3.12× | ||
| Q1 24 | 3.60× | -1.51× |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
CFR
セグメントデータなし
CSGS
| Software As A Service And Related Solutions | $287.2M | 89% |
| License And Service | $22.6M | 7% |
| Maintenance | $13.3M | 4% |
