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富兰克林邓普顿（BEN）与Citizens Financial Group（CFG）财务数据对比。点击上方公司名可切换其他公司
富兰克林邓普顿的季度营收约是Citizens Financial Group的1.1倍（$2.3B vs $2.2B），Citizens Financial Group净利率更高（24.5% vs 11.0%，领先13.5%），Citizens Financial Group同比增速更快（8.6% vs 3.4%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs 4.0%）
富兰克林资源（运营品牌为富兰克林邓普顿）是美国跨国投资管理控股集团，1947年创立于纽约，纽交所上市代码为BEN，命名源自创始人敬仰的本杰明·富兰克林，是全球知名的综合投资服务机构。
Citizens Financial Group, Inc.是美国银行控股企业，总部位于罗德岛州普罗维登斯，旗下拥有Citizens Bank国民银行，业务覆盖康涅狄格、特拉华、佛罗里达、纽约等十余个美国州份及华盛顿特区，为当地客户提供各类银行金融服务。
BEN vs CFG — 直观对比
营收规模更大
BEN
是对方的1.1倍
$2.2B
营收增速更快
CFG
高出5.3%
3.4%
净利率更高
CFG
高出13.5%
11.0%
两年增速更快
CFG
近两年复合增速
4.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.3B | $2.2B |
| 净利润 | $255.5M | $528.0M |
| 毛利率 | — | — |
| 营业利润率 | 12.1% | 31.4% |
| 净利率 | 11.0% | 24.5% |
| 营收同比 | 3.4% | 8.6% |
| 净利润同比 | 56.2% | 31.7% |
| 每股收益（稀释后） | $0.46 | $1.12 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收BENCFG
| Q4 25 | $2.3B | $2.2B | ||
| Q3 25 | $2.3B | $2.1B | ||
| Q2 25 | $2.1B | $2.0B | ||
| Q1 25 | $2.1B | $1.9B | ||
| Q4 24 | $2.3B | $2.0B | ||
| Q3 24 | $2.2B | $1.9B | ||
| Q2 24 | $2.1B | $2.0B | ||
| Q1 24 | $2.2B | $2.0B |
净利润BENCFG
| Q4 25 | $255.5M | $528.0M | ||
| Q3 25 | $117.6M | $494.0M | ||
| Q2 25 | $92.3M | $436.0M | ||
| Q1 25 | $151.4M | $373.0M | ||
| Q4 24 | $163.6M | $401.0M | ||
| Q3 24 | $-84.7M | $382.0M | ||
| Q2 24 | $174.0M | $392.0M | ||
| Q1 24 | $124.2M | $334.0M |
营业利润率BENCFG
| Q4 25 | 12.1% | 31.4% | ||
| Q3 25 | 3.6% | 29.7% | ||
| Q2 25 | 7.5% | 27.2% | ||
| Q1 25 | 6.9% | 24.2% | ||
| Q4 24 | 9.7% | 25.6% | ||
| Q3 24 | -6.8% | 24.7% | ||
| Q2 24 | 10.5% | 24.5% | ||
| Q1 24 | 6.0% | 21.9% |
净利率BENCFG
| Q4 25 | 11.0% | 24.5% | ||
| Q3 25 | 5.0% | 23.3% | ||
| Q2 25 | 4.5% | 21.4% | ||
| Q1 25 | 7.2% | 19.3% | ||
| Q4 24 | 7.3% | 20.2% | ||
| Q3 24 | -3.8% | 20.1% | ||
| Q2 24 | 8.2% | 20.0% | ||
| Q1 24 | 5.8% | 17.0% |
每股收益（稀释后）BENCFG
| Q4 25 | $0.46 | $1.12 | ||
| Q3 25 | $0.21 | $1.05 | ||
| Q2 25 | $0.15 | $0.92 | ||
| Q1 25 | $0.26 | $0.77 | ||
| Q4 24 | $0.29 | $0.83 | ||
| Q3 24 | $-0.20 | $0.77 | ||
| Q2 24 | $0.32 | $0.78 | ||
| Q1 24 | $0.23 | $0.65 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | — |
| 总债务越低越好 | $2.4B | $11.2B |
| 股东权益账面价值 | $12.1B | $26.3B |
| 总资产 | $32.5B | $226.4B |
| 负债/权益比越低杠杆越低 | 0.19× | 0.43× |
8季度趋势，按日历期对齐
总债务BENCFG
| Q4 25 | $2.4B | $11.2B | ||
| Q3 25 | $2.4B | $10.4B | ||
| Q2 25 | $2.7B | $12.5B | ||
| Q1 25 | $2.7B | $12.3B | ||
| Q4 24 | $2.8B | $12.4B | ||
| Q3 24 | $2.8B | $13.9B | ||
| Q2 24 | $3.0B | $13.1B | ||
| Q1 24 | $3.0B | $13.8B |
股东权益BENCFG
| Q4 25 | $12.1B | $26.3B | ||
| Q3 25 | $12.1B | $25.8B | ||
| Q2 25 | $12.2B | $25.2B | ||
| Q1 25 | $12.3B | $24.9B | ||
| Q4 24 | $12.5B | $24.3B | ||
| Q3 24 | $12.5B | $24.9B | ||
| Q2 24 | $12.9B | $23.9B | ||
| Q1 24 | $12.9B | $23.8B |
总资产BENCFG
| Q4 25 | $32.5B | $226.4B | ||
| Q3 25 | $32.4B | $222.7B | ||
| Q2 25 | $32.6B | $218.3B | ||
| Q1 25 | $32.0B | $220.1B | ||
| Q4 24 | $32.4B | $217.5B | ||
| Q3 24 | $32.5B | $219.7B | ||
| Q2 24 | $33.3B | $219.9B | ||
| Q1 24 | $32.9B | $220.4B |
负债/权益比BENCFG
| Q4 25 | 0.19× | 0.43× | ||
| Q3 25 | 0.20× | 0.40× | ||
| Q2 25 | 0.22× | 0.50× | ||
| Q1 25 | 0.22× | 0.49× | ||
| Q4 24 | 0.22× | 0.51× | ||
| Q3 24 | 0.22× | 0.56× | ||
| Q2 24 | 0.24× | 0.55× | ||
| Q1 24 | 0.24× | 0.58× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $-255.1M | $2.2B |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | -1.00× | 4.19× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流BENCFG
| Q4 25 | $-255.1M | $2.2B | ||
| Q3 25 | $-20.7M | $1.7B | ||
| Q2 25 | $1.3B | $886.0M | ||
| Q1 25 | $-50.1M | $-213.0M | ||
| Q4 24 | $-145.2M | $2.0B | ||
| Q3 24 | $558.2M | $130.0M | ||
| Q2 24 | $528.4M | $834.0M | ||
| Q1 24 | $136.6M | $554.0M |
自由现金流BENCFG
| Q4 25 | — | — | ||
| Q3 25 | $-51.9M | — | ||
| Q2 25 | $1.3B | — | ||
| Q1 25 | $-87.6M | — | ||
| Q4 24 | $-217.0M | — | ||
| Q3 24 | $488.4M | — | ||
| Q2 24 | $482.3M | — | ||
| Q1 24 | $94.9M | — |
自由现金流率BENCFG
| Q4 25 | — | — | ||
| Q3 25 | -2.2% | — | ||
| Q2 25 | 61.4% | — | ||
| Q1 25 | -4.1% | — | ||
| Q4 24 | -9.6% | — | ||
| Q3 24 | 22.1% | — | ||
| Q2 24 | 22.7% | — | ||
| Q1 24 | 4.4% | — |
资本支出强度BENCFG
| Q4 25 | — | — | ||
| Q3 25 | 1.3% | — | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | 1.8% | — | ||
| Q4 24 | 3.2% | — | ||
| Q3 24 | 3.2% | — | ||
| Q2 24 | 2.2% | — | ||
| Q1 24 | 1.9% | — |
现金转化率BENCFG
| Q4 25 | -1.00× | 4.19× | ||
| Q3 25 | -0.18× | 3.43× | ||
| Q2 25 | 13.89× | 2.03× | ||
| Q1 25 | -0.33× | -0.57× | ||
| Q4 24 | -0.89× | 4.99× | ||
| Q3 24 | — | 0.34× | ||
| Q2 24 | 3.04× | 2.13× | ||
| Q1 24 | 1.10× | 1.66× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
BEN
| Investment Advisory Management And Administrative Service | $1.8B | 79% |
| Sales And Distribution Fees | $388.7M | 17% |
| Shareholder Service | $70.9M | 3% |
| Service Other | $19.6M | 1% |
CFG
暂无分部数据
