vs
Citizens Financial Group（CFG）与Copart（CPRT）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Copart的1.9倍（$2.2B vs $1.2B），Copart净利率更高（35.0% vs 24.5%，领先10.5%），Citizens Financial Group同比增速更快（8.6% vs 0.7%），过去两年Copart的营收复合增速更高（6.4% 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。
Copart是一家跨国在线车辆拍卖及再营销服务提供商，服务保险、租车、车队、金融公司等各类汽车经销商，业务覆盖美国、加拿大、英国、德国等11个国家。总部位于美国得克萨斯州达拉斯，拥有200多处实体网点，运营总面积超1万英亩的车辆存放场地。
CFG vs CPRT — 直观对比
营收规模更大
CFG
是对方的1.9倍
$1.2B
营收增速更快
CFG
高出7.9%
0.7%
净利率更高
CPRT
高出10.5%
24.5%
两年增速更快
CPRT
近两年复合增速
4.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.2B |
| 净利润 | $528.0M | $403.7M |
| 毛利率 | — | — |
| 营业利润率 | 31.4% | 37.3% |
| 净利率 | 24.5% | 35.0% |
| 营收同比 | 8.6% | 0.7% |
| 净利润同比 | 31.7% | 11.5% |
| 每股收益（稀释后） | $1.12 | $0.41 |
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CFGCPRT
| Q4 25 | $2.2B | $1.2B | ||
| Q3 25 | $2.1B | $1.1B | ||
| Q2 25 | $2.0B | $1.2B | ||
| Q1 25 | $1.9B | $1.2B | ||
| Q4 24 | $2.0B | $1.1B | ||
| Q3 24 | $1.9B | $1.1B | ||
| Q2 24 | $2.0B | $1.1B | ||
| Q1 24 | $2.0B | $1.0B |
净利润CFGCPRT
| Q4 25 | $528.0M | $403.7M | ||
| Q3 25 | $494.0M | $396.4M | ||
| Q2 25 | $436.0M | $406.6M | ||
| Q1 25 | $373.0M | $387.4M | ||
| Q4 24 | $401.0M | $362.1M | ||
| Q3 24 | $382.0M | $322.6M | ||
| Q2 24 | $392.0M | $382.3M | ||
| Q1 24 | $334.0M | $325.6M |
营业利润率CFGCPRT
| Q4 25 | 31.4% | 37.3% | ||
| Q3 25 | 29.7% | 36.7% | ||
| Q2 25 | 27.2% | 37.3% | ||
| Q1 25 | 24.2% | 36.6% | ||
| Q4 24 | 25.6% | 35.4% | ||
| Q3 24 | 24.7% | 33.6% | ||
| Q2 24 | 24.5% | 38.8% | ||
| Q1 24 | 21.9% | 37.2% |
净利率CFGCPRT
| Q4 25 | 24.5% | 35.0% | ||
| Q3 25 | 23.3% | 35.2% | ||
| Q2 25 | 21.4% | 33.6% | ||
| Q1 25 | 19.3% | 33.3% | ||
| Q4 24 | 20.2% | 31.6% | ||
| Q3 24 | 20.1% | 30.2% | ||
| Q2 24 | 20.0% | 33.9% | ||
| Q1 24 | 17.0% | 31.9% |
每股收益（稀释后）CFGCPRT
| Q4 25 | $1.12 | $0.41 | ||
| Q3 25 | $1.05 | $0.40 | ||
| Q2 25 | $0.92 | $0.42 | ||
| Q1 25 | $0.77 | $0.40 | ||
| Q4 24 | $0.83 | $0.37 | ||
| Q3 24 | $0.77 | $0.34 | ||
| Q2 24 | $0.78 | $0.39 | ||
| Q1 24 | $0.65 | $0.33 |
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 | $11.2B | — |
| 股东权益账面价值 | $26.3B | $9.6B |
| 总资产 | $226.4B | $10.6B |
| 负债/权益比越低杠杆越低 | 0.43× | — |
8季度趋势，按日历期对齐
总债务CFGCPRT
| Q4 25 | $11.2B | — | ||
| Q3 25 | $10.4B | — | ||
| Q2 25 | $12.5B | — | ||
| Q1 25 | $12.3B | — | ||
| Q4 24 | $12.4B | — | ||
| Q3 24 | $13.9B | $0 | ||
| Q2 24 | $13.1B | $427.0K | ||
| Q1 24 | $13.8B | $453.0K |
股东权益CFGCPRT
| Q4 25 | $26.3B | $9.6B | ||
| Q3 25 | $25.8B | $9.2B | ||
| Q2 25 | $25.2B | $8.8B | ||
| Q1 25 | $24.9B | $8.3B | ||
| Q4 24 | $24.3B | $7.9B | ||
| Q3 24 | $24.9B | $7.5B | ||
| Q2 24 | $23.9B | $7.2B | ||
| Q1 24 | $23.8B | $6.8B |
总资产CFGCPRT
| Q4 25 | $226.4B | $10.6B | ||
| Q3 25 | $222.7B | $10.1B | ||
| Q2 25 | $218.3B | $9.7B | ||
| Q1 25 | $220.1B | $9.2B | ||
| Q4 24 | $217.5B | $8.9B | ||
| Q3 24 | $219.7B | $8.4B | ||
| Q2 24 | $219.9B | $8.0B | ||
| Q1 24 | $220.4B | $7.6B |
负债/权益比CFGCPRT
| Q4 25 | 0.43× | — | ||
| Q3 25 | 0.40× | — | ||
| Q2 25 | 0.50× | — | ||
| Q1 25 | 0.49× | — | ||
| Q4 24 | 0.51× | — | ||
| Q3 24 | 0.56× | 0.00× | ||
| Q2 24 | 0.55× | 0.00× | ||
| Q1 24 | 0.58× | 0.00× |
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 | $535.3M |
| 自由现金流经营现金流 - 资本支出 | — | $427.2M |
| 自由现金流率自由现金流/营收 | — | 37.0% |
| 资本支出强度资本支出/营收 | — | 9.4% |
| 现金转化率经营现金流/净利润 | 4.19× | 1.33× |
| 过去12个月自由现金流最近4个季度 | — | $1.4B |
8季度趋势，按日历期对齐
经营现金流CFGCPRT
| Q4 25 | $2.2B | $535.3M | ||
| Q3 25 | $1.7B | $438.5M | ||
| Q2 25 | $886.0M | $700.9M | ||
| Q1 25 | $-213.0M | $178.1M | ||
| Q4 24 | $2.0B | $482.3M | ||
| Q3 24 | $130.0M | $439.2M | ||
| Q2 24 | $834.0M | $496.3M | ||
| Q1 24 | $554.0M | $161.8M |
自由现金流CFGCPRT
| Q4 25 | — | $427.2M | ||
| Q3 25 | — | $350.8M | ||
| Q2 25 | — | $572.9M | ||
| Q1 25 | — | $61.5M | ||
| Q4 24 | — | $245.5M | ||
| Q3 24 | — | $301.3M | ||
| Q2 24 | — | $408.5M | ||
| Q1 24 | — | $38.8M |
自由现金流率CFGCPRT
| Q4 25 | — | 37.0% | ||
| Q3 25 | — | 31.2% | ||
| Q2 25 | — | 47.3% | ||
| Q1 25 | — | 5.3% | ||
| Q4 24 | — | 21.4% | ||
| Q3 24 | — | 28.2% | ||
| Q2 24 | — | 36.2% | ||
| Q1 24 | — | 3.8% |
资本支出强度CFGCPRT
| Q4 25 | — | 9.4% | ||
| Q3 25 | — | 7.8% | ||
| Q2 25 | — | 10.6% | ||
| Q1 25 | — | 10.0% | ||
| Q4 24 | — | 20.6% | ||
| Q3 24 | — | 12.9% | ||
| Q2 24 | — | 7.8% | ||
| Q1 24 | — | 12.1% |
现金转化率CFGCPRT
| Q4 25 | 4.19× | 1.33× | ||
| Q3 25 | 3.43× | 1.11× | ||
| Q2 25 | 2.03× | 1.72× | ||
| Q1 25 | -0.57× | 0.46× | ||
| Q4 24 | 4.99× | 1.33× | ||
| Q3 24 | 0.34× | 1.36× | ||
| Q2 24 | 2.13× | 1.30× | ||
| Q1 24 | 1.66× | 0.50× |
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
CFG
暂无分部数据
CPRT
| Services | $952.1M | 82% |
| Other | $203.0M | 18% |
