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Citizens Financial Group（CFG）与Compass, Inc.（COMP）财务数据对比。点击上方公司名可切换其他公司
Citizens Financial Group的季度营收约是Compass, Inc.的1.3倍（$2.2B vs $1.7B），Citizens Financial Group净利率更高（24.5% vs -2.5%，领先27.0%），Compass, Inc.同比增速更快（23.1% vs 8.6%），过去两年Compass, Inc.的营收复合增速更高（27.0% vs 4.9%）
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。
Compass, Inc.是美国主营住宅房产经纪业务的企业，其平台旗下有约3.3万名经纪人，大多为独立合同工，运营Compass、21世纪不动产、科威国际不动产、苏富比国际地产、佳士得国际地产等多个知名房产经纪品牌。
CFG vs COMP — 直观对比
营收规模更大
CFG
是对方的1.3倍
$1.7B
营收增速更快
COMP
高出14.5%
8.6%
净利率更高
CFG
高出27.0%
-2.5%
两年增速更快
COMP
近两年复合增速
4.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.7B |
| 净利润 | $528.0M | $-42.6M |
| 毛利率 | — | — |
| 营业利润率 | 31.4% | -2.5% |
| 净利率 | 24.5% | -2.5% |
| 营收同比 | 8.6% | 23.1% |
| 净利润同比 | 31.7% | -5.2% |
| 每股收益（稀释后） | $1.12 | $-0.07 |
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CFGCOMP
| Q4 25 | $2.2B | $1.7B | ||
| Q3 25 | $2.1B | $1.8B | ||
| Q2 25 | $2.0B | $2.1B | ||
| Q1 25 | $1.9B | $1.4B | ||
| Q4 24 | $2.0B | $1.4B | ||
| Q3 24 | $1.9B | $1.5B | ||
| Q2 24 | $2.0B | $1.7B | ||
| Q1 24 | $2.0B | $1.1B |
净利润CFGCOMP
| Q4 25 | $528.0M | $-42.6M | ||
| Q3 25 | $494.0M | $-4.6M | ||
| Q2 25 | $436.0M | $39.4M | ||
| Q1 25 | $373.0M | $-50.7M | ||
| Q4 24 | $401.0M | $-40.5M | ||
| Q3 24 | $382.0M | $-1.7M | ||
| Q2 24 | $392.0M | $20.7M | ||
| Q1 24 | $334.0M | $-132.9M |
营业利润率CFGCOMP
| Q4 25 | 31.4% | -2.5% | ||
| Q3 25 | 29.7% | -0.4% | ||
| Q2 25 | 27.2% | 1.9% | ||
| Q1 25 | 24.2% | -4.0% | ||
| Q4 24 | 25.6% | -2.9% | ||
| Q3 24 | 24.7% | -0.2% | ||
| Q2 24 | 24.5% | 1.3% | ||
| Q1 24 | 21.9% | -12.5% |
净利率CFGCOMP
| Q4 25 | 24.5% | -2.5% | ||
| Q3 25 | 23.3% | -0.2% | ||
| Q2 25 | 21.4% | 1.9% | ||
| Q1 25 | 19.3% | -3.7% | ||
| Q4 24 | 20.2% | -2.9% | ||
| Q3 24 | 20.1% | -0.1% | ||
| Q2 24 | 20.0% | 1.2% | ||
| Q1 24 | 17.0% | -12.6% |
每股收益（稀释后）CFGCOMP
| Q4 25 | $1.12 | $-0.07 | ||
| Q3 25 | $1.05 | $-0.01 | ||
| Q2 25 | $0.92 | $0.07 | ||
| Q1 25 | $0.77 | $-0.09 | ||
| Q4 24 | $0.83 | $-0.08 | ||
| Q3 24 | $0.77 | $0.00 | ||
| Q2 24 | $0.78 | $0.04 | ||
| Q1 24 | $0.65 | $-0.27 |
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 | — | $199.0M |
| 总债务越低越好 | $11.2B | — |
| 股东权益账面价值 | $26.3B | $782.0M |
| 总资产 | $226.4B | $1.5B |
| 负债/权益比越低杠杆越低 | 0.43× | — |
8季度趋势，按日历期对齐
现金及短期投资CFGCOMP
| Q4 25 | — | $199.0M | ||
| Q3 25 | — | $170.3M | ||
| Q2 25 | — | $177.3M | ||
| Q1 25 | — | $127.0M | ||
| Q4 24 | — | $223.8M | ||
| Q3 24 | — | $211.2M | ||
| Q2 24 | — | $185.8M | ||
| Q1 24 | — | $165.9M |
总债务CFGCOMP
| Q4 25 | $11.2B | — | ||
| Q3 25 | $10.4B | — | ||
| Q2 25 | $12.5B | — | ||
| Q1 25 | $12.3B | — | ||
| Q4 24 | $12.4B | — | ||
| Q3 24 | $13.9B | — | ||
| Q2 24 | $13.1B | — | ||
| Q1 24 | $13.8B | — |
股东权益CFGCOMP
| Q4 25 | $26.3B | $782.0M | ||
| Q3 25 | $25.8B | $773.3M | ||
| Q2 25 | $25.2B | $719.9M | ||
| Q1 25 | $24.9B | $635.0M | ||
| Q4 24 | $24.3B | $409.4M | ||
| Q3 24 | $24.9B | $428.0M | ||
| Q2 24 | $23.9B | $398.4M | ||
| Q1 24 | $23.8B | $330.3M |
总资产CFGCOMP
| Q4 25 | $226.4B | $1.5B | ||
| Q3 25 | $222.7B | $1.6B | ||
| Q2 25 | $218.3B | $1.6B | ||
| Q1 25 | $220.1B | $1.5B | ||
| Q4 24 | $217.5B | $1.2B | ||
| Q3 24 | $219.7B | $1.2B | ||
| Q2 24 | $219.9B | $1.2B | ||
| Q1 24 | $220.4B | $1.1B |
负债/权益比CFGCOMP
| Q4 25 | 0.43× | — | ||
| Q3 25 | 0.40× | — | ||
| Q2 25 | 0.50× | — | ||
| Q1 25 | 0.49× | — | ||
| Q4 24 | 0.51× | — | ||
| Q3 24 | 0.56× | — | ||
| Q2 24 | 0.55× | — | ||
| Q1 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 | $2.2B | $45.3M |
| 自由现金流经营现金流 - 资本支出 | — | $42.2M |
| 自由现金流率自由现金流/营收 | — | 2.5% |
| 资本支出强度资本支出/营收 | — | 0.2% |
| 现金转化率经营现金流/净利润 | 4.19× | — |
| 过去12个月自由现金流最近4个季度 | — | $203.3M |
8季度趋势，按日历期对齐
经营现金流CFGCOMP
| Q4 25 | $2.2B | $45.3M | ||
| Q3 25 | $1.7B | $75.5M | ||
| Q2 25 | $886.0M | $72.8M | ||
| Q1 25 | $-213.0M | $23.1M | ||
| Q4 24 | $2.0B | $30.5M | ||
| Q3 24 | $130.0M | $37.4M | ||
| Q2 24 | $834.0M | $45.0M | ||
| Q1 24 | $554.0M | $8.6M |
自由现金流CFGCOMP
| Q4 25 | — | $42.2M | ||
| Q3 25 | — | $73.6M | ||
| Q2 25 | — | $68.0M | ||
| Q1 25 | — | $19.5M | ||
| Q4 24 | — | $26.7M | ||
| Q3 24 | — | $32.8M | ||
| Q2 24 | — | $40.4M | ||
| Q1 24 | — | $5.9M |
自由现金流率CFGCOMP
| Q4 25 | — | 2.5% | ||
| Q3 25 | — | 4.0% | ||
| Q2 25 | — | 3.3% | ||
| Q1 25 | — | 1.4% | ||
| Q4 24 | — | 1.9% | ||
| Q3 24 | — | 2.2% | ||
| Q2 24 | — | 2.4% | ||
| Q1 24 | — | 0.6% |
资本支出强度CFGCOMP
| Q4 25 | — | 0.2% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.3% | ||
| Q1 24 | — | 0.3% |
现金转化率CFGCOMP
| Q4 25 | 4.19× | — | ||
| Q3 25 | 3.43× | — | ||
| Q2 25 | 2.03× | 1.85× | ||
| Q1 25 | -0.57× | — | ||
| Q4 24 | 4.99× | — | ||
| Q3 24 | 0.34× | — | ||
| Q2 24 | 2.13× | 2.17× | ||
| Q1 24 | 1.66× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
