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Citizens Financial Group（CFG）与CSX Corporation（CSX）财务数据对比。点击上方公司名可切换其他公司
CSX Corporation的季度营收约是Citizens Financial Group的1.6倍（$3.5B vs $2.2B），Citizens Financial Group净利率更高（24.5% vs 23.2%，领先1.3%），Citizens Financial Group同比增速更快（8.6% vs 1.7%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs -3.0%）
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。
CSX运输是美国一级货运铁路企业，业务覆盖美国东部区域及加拿大安大略省、魁北克省，运营铁路总里程约3.4万公里，隶属于总部位于佛罗里达州杰克逊维尔市的财富500强企业CSX Corporation，是其旗下核心子公司。
CFG vs CSX — 直观对比
营收规模更大
CSX
是对方的1.6倍
$2.2B
营收增速更快
CFG
高出6.9%
1.7%
净利率更高
CFG
高出1.3%
23.2%
两年增速更快
CFG
近两年复合增速
-3.0%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $3.5B |
| 净利润 | $528.0M | $807.0M |
| 毛利率 | — | — |
| 营业利润率 | 31.4% | 29.9% |
| 净利率 | 24.5% | 23.2% |
| 营收同比 | 8.6% | 1.7% |
| 净利润同比 | 31.7% | 401.2% |
| 每股收益（稀释后） | $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CFGCSX
| Q1 26 | — | $3.5B | ||
| Q4 25 | $2.2B | $3.5B | ||
| Q3 25 | $2.1B | $3.6B | ||
| Q2 25 | $2.0B | $3.6B | ||
| Q1 25 | $1.9B | $3.4B | ||
| Q4 24 | $2.0B | $3.5B | ||
| Q3 24 | $1.9B | $3.6B | ||
| Q2 24 | $2.0B | $3.7B |
净利润CFGCSX
| Q1 26 | — | $807.0M | ||
| Q4 25 | $528.0M | $720.0M | ||
| Q3 25 | $494.0M | $694.0M | ||
| Q2 25 | $436.0M | $829.0M | ||
| Q1 25 | $373.0M | $646.0M | ||
| Q4 24 | $401.0M | $720.0M | ||
| Q3 24 | $382.0M | $894.0M | ||
| Q2 24 | $392.0M | $963.0M |
营业利润率CFGCSX
| Q1 26 | — | 29.9% | ||
| Q4 25 | 31.4% | 31.6% | ||
| Q3 25 | 29.7% | 30.3% | ||
| Q2 25 | 27.2% | 35.9% | ||
| Q1 25 | 24.2% | 30.4% | ||
| Q4 24 | 25.6% | 30.8% | ||
| Q3 24 | 24.7% | 37.4% | ||
| Q2 24 | 24.5% | 39.1% |
净利率CFGCSX
| Q1 26 | — | 23.2% | ||
| Q4 25 | 24.5% | 20.5% | ||
| Q3 25 | 23.3% | 19.3% | ||
| Q2 25 | 21.4% | 23.2% | ||
| Q1 25 | 19.3% | 18.9% | ||
| Q4 24 | 20.2% | 20.3% | ||
| Q3 24 | 20.1% | 24.7% | ||
| Q2 24 | 20.0% | 26.0% |
每股收益（稀释后）CFGCSX
| Q1 26 | — | — | ||
| Q4 25 | $1.12 | $0.39 | ||
| Q3 25 | $1.05 | $0.37 | ||
| Q2 25 | $0.92 | $0.44 | ||
| Q1 25 | $0.77 | $0.34 | ||
| Q4 24 | $0.83 | $0.38 | ||
| Q3 24 | $0.77 | $0.46 | ||
| Q2 24 | $0.78 | $0.49 |
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 | — | $1.1B |
| 总债务越低越好 | $11.2B | $18.9B |
| 股东权益账面价值 | $26.3B | $13.6B |
| 总资产 | $226.4B | $44.2B |
| 负债/权益比越低杠杆越低 | 0.43× | 1.39× |
8季度趋势，按日历期对齐
现金及短期投资CFGCSX
| Q1 26 | — | $1.1B | ||
| Q4 25 | — | $5.0M | ||
| Q3 25 | — | $6.0M | ||
| Q2 25 | — | $6.0M | ||
| Q1 25 | — | $8.0M | ||
| Q4 24 | — | $72.0M | ||
| Q3 24 | — | $12.0M | ||
| Q2 24 | — | $4.0M |
总债务CFGCSX
| Q1 26 | — | $18.9B | ||
| Q4 25 | $11.2B | $18.2B | ||
| Q3 25 | $10.4B | $18.6B | ||
| Q2 25 | $12.5B | $18.6B | ||
| Q1 25 | $12.3B | $18.5B | ||
| Q4 24 | $12.4B | $17.9B | ||
| Q3 24 | $13.9B | $18.5B | ||
| Q2 24 | $13.1B | $18.0B |
股东权益CFGCSX
| Q1 26 | — | $13.6B | ||
| Q4 25 | $26.3B | $13.2B | ||
| Q3 25 | $25.8B | $12.8B | ||
| Q2 25 | $25.2B | $12.4B | ||
| Q1 25 | $24.9B | $12.2B | ||
| Q4 24 | $24.3B | $12.5B | ||
| Q3 24 | $24.9B | $12.9B | ||
| Q2 24 | $23.9B | $12.6B |
总资产CFGCSX
| Q1 26 | — | $44.2B | ||
| Q4 25 | $226.4B | $43.7B | ||
| Q3 25 | $222.7B | $43.3B | ||
| Q2 25 | $218.3B | $42.9B | ||
| Q1 25 | $220.1B | $43.2B | ||
| Q4 24 | $217.5B | $42.8B | ||
| Q3 24 | $219.7B | $43.1B | ||
| Q2 24 | $219.9B | $42.4B |
负债/权益比CFGCSX
| Q1 26 | — | 1.39× | ||
| Q4 25 | 0.43× | 1.38× | ||
| Q3 25 | 0.40× | 1.45× | ||
| Q2 25 | 0.50× | 1.50× | ||
| Q1 25 | 0.49× | 1.52× | ||
| Q4 24 | 0.51× | 1.43× | ||
| Q3 24 | 0.56× | 1.43× | ||
| Q2 24 | 0.55× | 1.42× |
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 | $1.3B |
| 自由现金流经营现金流 - 资本支出 | — | $793.0M |
| 自由现金流率自由现金流/营收 | — | 22.8% |
| 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 | 4.19× | 1.58× |
| 过去12个月自由现金流最近4个季度 | — | $2.0B |
8季度趋势，按日历期对齐
经营现金流CFGCSX
| Q1 26 | — | $1.3B | ||
| Q4 25 | $2.2B | $1.4B | ||
| Q3 25 | $1.7B | $1.3B | ||
| Q2 25 | $886.0M | $635.0M | ||
| Q1 25 | $-213.0M | $1.3B | ||
| Q4 24 | $2.0B | $1.4B | ||
| Q3 24 | $130.0M | $1.7B | ||
| Q2 24 | $834.0M | $1.1B |
自由现金流CFGCSX
| Q1 26 | — | $793.0M | ||
| Q4 25 | — | $709.0M | ||
| Q3 25 | — | $607.0M | ||
| Q2 25 | — | $-141.0M | ||
| Q1 25 | — | $536.0M | ||
| Q4 24 | — | $550.0M | ||
| Q3 24 | — | $1.1B | ||
| Q2 24 | — | $547.0M |
自由现金流率CFGCSX
| Q1 26 | — | 22.8% | ||
| Q4 25 | — | 20.2% | ||
| Q3 25 | — | 16.9% | ||
| Q2 25 | — | -3.9% | ||
| Q1 25 | — | 15.7% | ||
| Q4 24 | — | 15.5% | ||
| Q3 24 | — | 29.3% | ||
| Q2 24 | — | 14.8% |
资本支出强度CFGCSX
| Q1 26 | — | — | ||
| Q4 25 | — | 19.3% | ||
| Q3 25 | — | 20.4% | ||
| Q2 25 | — | 21.7% | ||
| Q1 25 | — | 21.0% | ||
| Q4 24 | — | 23.7% | ||
| Q3 24 | — | 17.3% | ||
| Q2 24 | — | 14.6% |
现金转化率CFGCSX
| Q1 26 | — | 1.58× | ||
| Q4 25 | 4.19× | 1.93× | ||
| Q3 25 | 3.43× | 1.93× | ||
| Q2 25 | 2.03× | 0.77× | ||
| Q1 25 | -0.57× | 1.94× | ||
| Q4 24 | 4.99× | 1.93× | ||
| Q3 24 | 0.34× | 1.89× | ||
| Q2 24 | 2.13× | 1.13× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
