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花旗集团（C）与RYDER SYSTEM INC（R）财务数据对比。点击上方公司名可切换其他公司
花旗集团的季度营收约是RYDER SYSTEM INC的6.4倍（$19.9B vs $3.1B），花旗集团净利率更高（12.4% vs 3.0%，领先9.5%），花旗集团自由现金流更多（$24.9B vs $273.0M）
花旗集团（常简称Citi）是总部位于美国纽约的跨国投资银行及金融服务巨头。集团于1998年由花旗银行的控股公司花旗公司与旅行者集团合并成立，2002年旅行者相关业务被拆分独立运营。
Ryder System Inc.是美国专业运输物流服务商，总部位于佛罗里达州科勒尔盖布尔斯，业务覆盖美国及英国，核心业务包含卡车租赁、车队管理、供应链及运输管理，同时提供车辆维保、二手车销售、专业司机派遣、电商履约与最后一公里配送等多元服务。
C vs R — 直观对比
营收规模更大
C
是对方的6.4倍
$3.1B
净利率更高
C
高出9.5%
3.0%
自由现金流更多
C
多$24.7B
$273.0M
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $19.9B | $3.1B |
| 净利润 | $2.5B | $93.0M |
| 毛利率 | — | — |
| 营业利润率 | 19.2% | — |
| 净利率 | 12.4% | 3.0% |
| 营收同比 | — | 1.0% |
| 净利润同比 | — | -5.1% |
| 每股收益（稀释后） | $1.21 | $2.34 |
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CR
| Q1 26 | — | $3.1B | ||
| Q4 25 | $19.9B | $3.2B | ||
| Q3 25 | $22.1B | $3.2B | ||
| Q2 25 | $21.7B | $3.2B | ||
| Q1 25 | $21.6B | $3.1B | ||
| Q4 24 | — | $3.2B | ||
| Q3 24 | $20.3B | $3.2B | ||
| Q2 24 | $20.1B | $3.2B |
净利润CR
| Q1 26 | — | $93.0M | ||
| Q4 25 | $2.5B | $132.0M | ||
| Q3 25 | $3.8B | $138.0M | ||
| Q2 25 | $4.0B | $131.0M | ||
| Q1 25 | $4.1B | $98.0M | ||
| Q4 24 | — | $135.0M | ||
| Q3 24 | $3.2B | $142.0M | ||
| Q2 24 | $3.2B | $127.0M |
营业利润率CR
| Q1 26 | — | — | ||
| Q4 25 | 19.2% | 5.6% | ||
| Q3 25 | 24.2% | 6.0% | ||
| Q2 25 | 24.1% | 5.8% | ||
| Q1 25 | 25.2% | 4.3% | ||
| Q4 24 | — | 5.7% | ||
| Q3 24 | 21.6% | 5.9% | ||
| Q2 24 | 21.4% | 5.6% |
净利率CR
| Q1 26 | — | 3.0% | ||
| Q4 25 | 12.4% | 4.2% | ||
| Q3 25 | 17.0% | 4.4% | ||
| Q2 25 | 18.5% | 4.1% | ||
| Q1 25 | 18.8% | 3.1% | ||
| Q4 24 | — | 4.2% | ||
| Q3 24 | 15.9% | 4.5% | ||
| Q2 24 | 16.0% | 4.0% |
每股收益（稀释后）CR
| Q1 26 | — | $2.34 | ||
| Q4 25 | $1.21 | $3.22 | ||
| Q3 25 | $1.86 | $3.32 | ||
| Q2 25 | $1.96 | $3.13 | ||
| Q1 25 | $1.96 | $2.27 | ||
| Q4 24 | — | $3.09 | ||
| Q3 24 | $1.51 | $3.24 | ||
| Q2 24 | $1.52 | $2.84 |
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 | — | $182.0M |
| 总债务越低越好 | $315.8B | — |
| 股东权益账面价值 | $212.3B | $2.9B |
| 总资产 | $2657.2B | — |
| 负债/权益比越低杠杆越低 | 1.49× | — |
8季度趋势，按日历期对齐
现金及短期投资CR
| Q1 26 | — | $182.0M | ||
| Q4 25 | — | $198.0M | ||
| Q3 25 | — | $189.0M | ||
| Q2 25 | — | $180.0M | ||
| Q1 25 | — | $151.0M | ||
| Q4 24 | — | $154.0M | ||
| Q3 24 | — | $162.0M | ||
| Q2 24 | — | $164.0M |
总债务CR
| Q1 26 | — | — | ||
| Q4 25 | $315.8B | $6.8B | ||
| Q3 25 | $315.8B | $7.3B | ||
| Q2 25 | $317.8B | $7.0B | ||
| Q1 25 | $295.7B | $6.7B | ||
| Q4 24 | — | $6.7B | ||
| Q3 24 | $299.1B | $6.6B | ||
| Q2 24 | $280.3B | $6.5B |
股东权益CR
| Q1 26 | — | $2.9B | ||
| Q4 25 | $212.3B | $3.1B | ||
| Q3 25 | $213.0B | $3.1B | ||
| Q2 25 | $213.2B | $3.1B | ||
| Q1 25 | $212.4B | $3.0B | ||
| Q4 24 | — | $3.1B | ||
| Q3 24 | $209.1B | $3.1B | ||
| Q2 24 | $208.3B | $3.1B |
总资产CR
| Q1 26 | — | — | ||
| Q4 25 | $2657.2B | $16.4B | ||
| Q3 25 | $2642.5B | $16.5B | ||
| Q2 25 | $2622.8B | $16.5B | ||
| Q1 25 | $2571.5B | $16.4B | ||
| Q4 24 | — | $16.7B | ||
| Q3 24 | $2430.7B | $16.5B | ||
| Q2 24 | $2405.7B | $16.4B |
负债/权益比CR
| Q1 26 | — | — | ||
| Q4 25 | 1.49× | 2.24× | ||
| Q3 25 | 1.48× | 2.35× | ||
| Q2 25 | 1.49× | 2.27× | ||
| Q1 25 | 1.39× | 2.21× | ||
| Q4 24 | — | 2.14× | ||
| Q3 24 | 1.43× | 2.17× | ||
| Q2 24 | 1.35× | 2.09× |
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 | $26.6B | $583.0M |
| 自由现金流经营现金流 - 资本支出 | $24.9B | $273.0M |
| 自由现金流率自由现金流/营收 | 125.4% | 8.7% |
| 资本支出强度资本支出/营收 | 8.2% | 13.7% |
| 现金转化率经营现金流/净利润 | 10.75× | 6.27× |
| 过去12个月自由现金流最近4个季度 | $-74.2B | $595.0M |
8季度趋势，按日历期对齐
经营现金流CR
| Q1 26 | — | $583.0M | ||
| Q4 25 | $26.6B | $749.0M | ||
| Q3 25 | $1.1B | $442.0M | ||
| Q2 25 | $-36.6B | $752.0M | ||
| Q1 25 | $-58.7B | $651.0M | ||
| Q4 24 | — | $558.0M | ||
| Q3 24 | — | $629.0M | ||
| Q2 24 | — | $552.0M |
自由现金流CR
| Q1 26 | — | $273.0M | ||
| Q4 25 | $24.9B | $344.0M | ||
| Q3 25 | $-517.0M | $-85.0M | ||
| Q2 25 | $-38.3B | $63.0M | ||
| Q1 25 | $-60.2B | $137.0M | ||
| Q4 24 | — | $-201.0M | ||
| Q3 24 | — | $30.0M | ||
| Q2 24 | — | $-87.0M |
自由现金流率CR
| Q1 26 | — | 8.7% | ||
| Q4 25 | 125.4% | 10.8% | ||
| Q3 25 | -2.3% | -2.7% | ||
| Q2 25 | -176.9% | 2.0% | ||
| Q1 25 | -278.9% | 4.4% | ||
| Q4 24 | — | -6.3% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | -2.7% |
资本支出强度CR
| Q1 26 | — | 13.7% | ||
| Q4 25 | 8.2% | 12.8% | ||
| Q3 25 | 7.3% | 16.6% | ||
| Q2 25 | 8.1% | 21.6% | ||
| Q1 25 | 7.0% | 16.4% | ||
| Q4 24 | — | 23.8% | ||
| Q3 24 | — | 18.9% | ||
| Q2 24 | — | 20.1% |
现金转化率CR
| Q1 26 | — | 6.27× | ||
| Q4 25 | 10.75× | 5.67× | ||
| Q3 25 | 0.29× | 3.20× | ||
| Q2 25 | -9.10× | 5.74× | ||
| Q1 25 | -14.45× | 6.64× | ||
| Q4 24 | — | 4.13× | ||
| Q3 24 | — | 4.43× | ||
| Q2 24 | — | 4.35× |
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
C
| Services | $5.9B | 30% |
| Markets | $4.5B | 23% |
| Commissions And Fees | $3.1B | 16% |
| Banking Segment | $2.2B | 11% |
| Wealth | $2.1B | 11% |
| Commercial Portfolio Segment | $1.7B | 9% |
| Brokerage Commissions | $249.0M | 1% |
R
| Fleet Management Solutions | $1.5B | 47% |
| ChoiceLease | $878.0M | 28% |
| Dedicated Transportation Solutions | $553.0M | 18% |
| Commercial rental | $211.0M | 7% |
