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Citizens Financial Group（CFG）与科迪华（CTVA）财务数据对比。点击上方公司名可切换其他公司
科迪华的季度营收约是Citizens Financial Group的1.8倍（$3.9B vs $2.2B），Citizens Financial Group净利率更高（24.5% vs -14.1%，领先38.6%），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 -6.7%）
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。
科迪华是一家美国农业科技企业，主营种子与作物保护产品，涵盖除草剂、杀虫剂、杀菌剂及生物制剂，业务覆盖全球110个国家，总部位于印第安纳州印第安纳波利斯，旗下大部分种子产品以先锋良种国际品牌销售。
CFG vs CTVA — 直观对比
营收规模更大
CTVA
是对方的1.8倍
$2.2B
营收增速更快
CFG
高出10.3%
-1.7%
净利率更高
CFG
高出38.6%
-14.1%
两年增速更快
CFG
近两年复合增速
-6.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $3.9B |
| 净利润 | $528.0M | $-552.0M |
| 毛利率 | — | 42.4% |
| 营业利润率 | 31.4% | -13.6% |
| 净利率 | 24.5% | -14.1% |
| 营收同比 | 8.6% | -1.7% |
| 净利润同比 | 31.7% | -1246.3% |
| 每股收益（稀释后） | $1.12 | $-0.80 |
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CFGCTVA
| Q4 25 | $2.2B | $3.9B | ||
| Q3 25 | $2.1B | $2.6B | ||
| Q2 25 | $2.0B | $6.5B | ||
| Q1 25 | $1.9B | $4.4B | ||
| Q4 24 | $2.0B | $4.0B | ||
| Q3 24 | $1.9B | $2.3B | ||
| Q2 24 | $2.0B | $6.1B | ||
| Q1 24 | $2.0B | $4.5B |
净利润CFGCTVA
| Q4 25 | $528.0M | $-552.0M | ||
| Q3 25 | $494.0M | $-320.0M | ||
| Q2 25 | $436.0M | $1.3B | ||
| Q1 25 | $373.0M | $652.0M | ||
| Q4 24 | $401.0M | $-41.0M | ||
| Q3 24 | $382.0M | $-524.0M | ||
| Q2 24 | $392.0M | $1.1B | ||
| Q1 24 | $334.0M | $419.0M |
毛利率CFGCTVA
| Q4 25 | — | 42.4% | ||
| Q3 25 | — | 37.2% | ||
| Q2 25 | — | 54.6% | ||
| Q1 25 | — | 47.0% | ||
| Q4 24 | — | 37.3% | ||
| Q3 24 | — | 32.7% | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | 43.2% |
营业利润率CFGCTVA
| Q4 25 | 31.4% | -13.6% | ||
| Q3 25 | 29.7% | -14.1% | ||
| Q2 25 | 27.2% | 27.9% | ||
| Q1 25 | 24.2% | 17.7% | ||
| Q4 24 | 25.6% | 2.2% | ||
| Q3 24 | 24.7% | -27.2% | ||
| Q2 24 | 24.5% | 21.9% | ||
| Q1 24 | 21.9% | 10.7% |
净利率CFGCTVA
| Q4 25 | 24.5% | -14.1% | ||
| Q3 25 | 23.3% | -12.2% | ||
| Q2 25 | 21.4% | 20.4% | ||
| Q1 25 | 19.3% | 14.8% | ||
| Q4 24 | 20.2% | -1.0% | ||
| Q3 24 | 20.1% | -22.5% | ||
| Q2 24 | 20.0% | 17.2% | ||
| Q1 24 | 17.0% | 9.3% |
每股收益（稀释后）CFGCTVA
| Q4 25 | $1.12 | $-0.80 | ||
| Q3 25 | $1.05 | $-0.47 | ||
| Q2 25 | $0.92 | $1.92 | ||
| Q1 25 | $0.77 | $0.95 | ||
| Q4 24 | $0.83 | $-0.05 | ||
| Q3 24 | $0.77 | $-0.76 | ||
| Q2 24 | $0.78 | $1.51 | ||
| Q1 24 | $0.65 | $0.60 |
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 | — | $4.5B |
| 总债务越低越好 | $11.2B | $1.7B |
| 股东权益账面价值 | $26.3B | $24.1B |
| 总资产 | $226.4B | $42.8B |
| 负债/权益比越低杠杆越低 | 0.43× | 0.07× |
8季度趋势，按日历期对齐
现金及短期投资CFGCTVA
| Q4 25 | — | $4.5B | ||
| Q3 25 | — | $2.6B | ||
| Q2 25 | — | $2.1B | ||
| Q1 25 | — | $2.0B | ||
| Q4 24 | — | $3.2B | ||
| Q3 24 | — | $2.5B | ||
| Q2 24 | — | $2.0B | ||
| Q1 24 | — | $1.7B |
总债务CFGCTVA
| Q4 25 | $11.2B | $1.7B | ||
| Q3 25 | $10.4B | $1.7B | ||
| Q2 25 | $12.5B | $1.7B | ||
| Q1 25 | $12.3B | $1.8B | ||
| Q4 24 | $12.4B | $2.0B | ||
| Q3 24 | $13.9B | $2.0B | ||
| Q2 24 | $13.1B | $2.5B | ||
| Q1 24 | $13.8B | $2.5B |
股东权益CFGCTVA
| Q4 25 | $26.3B | $24.1B | ||
| Q3 25 | $25.8B | $25.2B | ||
| Q2 25 | $25.2B | $25.9B | ||
| Q1 25 | $24.9B | $24.3B | ||
| Q4 24 | $24.3B | $23.8B | ||
| Q3 24 | $24.9B | $24.7B | ||
| Q2 24 | $23.9B | $25.2B | ||
| Q1 24 | $23.8B | $24.8B |
总资产CFGCTVA
| Q4 25 | $226.4B | $42.8B | ||
| Q3 25 | $222.7B | $42.2B | ||
| Q2 25 | $218.3B | $41.8B | ||
| Q1 25 | $220.1B | $42.1B | ||
| Q4 24 | $217.5B | $40.8B | ||
| Q3 24 | $219.7B | $41.9B | ||
| Q2 24 | $219.9B | $41.5B | ||
| Q1 24 | $220.4B | $43.6B |
负债/权益比CFGCTVA
| Q4 25 | 0.43× | 0.07× | ||
| Q3 25 | 0.40× | 0.07× | ||
| Q2 25 | 0.50× | 0.07× | ||
| Q1 25 | 0.49× | 0.07× | ||
| Q4 24 | 0.51× | 0.08× | ||
| Q3 24 | 0.56× | 0.08× | ||
| Q2 24 | 0.55× | 0.10× | ||
| Q1 24 | 0.58× | 0.10× |
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 | $4.4B |
| 自由现金流经营现金流 - 资本支出 | — | $4.2B |
| 自由现金流率自由现金流/营收 | — | 106.2% |
| 资本支出强度资本支出/营收 | — | 5.7% |
| 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 | — | $2.8B |
8季度趋势，按日历期对齐
经营现金流CFGCTVA
| Q4 25 | $2.2B | $4.4B | ||
| Q3 25 | $1.7B | $193.0M | ||
| Q2 25 | $886.0M | $947.0M | ||
| Q1 25 | $-213.0M | $-2.1B | ||
| Q4 24 | $2.0B | $4.2B | ||
| Q3 24 | $130.0M | $130.0M | ||
| Q2 24 | $834.0M | $451.0M | ||
| Q1 24 | $554.0M | $-2.6B |
自由现金流CFGCTVA
| Q4 25 | — | $4.2B | ||
| Q3 25 | — | $36.0M | ||
| Q2 25 | — | $829.0M | ||
| Q1 25 | — | $-2.2B | ||
| Q4 24 | — | $4.0B | ||
| Q3 24 | — | $-24.0M | ||
| Q2 24 | — | $337.0M | ||
| Q1 24 | — | $-2.8B |
自由现金流率CFGCTVA
| Q4 25 | — | 106.2% | ||
| Q3 25 | — | 1.4% | ||
| Q2 25 | — | 12.8% | ||
| Q1 25 | — | -49.9% | ||
| Q4 24 | — | 100.4% | ||
| Q3 24 | — | -1.0% | ||
| Q2 24 | — | 5.5% | ||
| Q1 24 | — | -61.4% |
资本支出强度CFGCTVA
| Q4 25 | — | 5.7% | ||
| Q3 25 | — | 6.0% | ||
| Q2 25 | — | 1.8% | ||
| Q1 25 | — | 2.1% | ||
| Q4 24 | — | 4.6% | ||
| Q3 24 | — | 6.6% | ||
| Q2 24 | — | 1.9% | ||
| Q1 24 | — | 3.3% |
现金转化率CFGCTVA
| Q4 25 | 4.19× | — | ||
| Q3 25 | 3.43× | — | ||
| Q2 25 | 2.03× | 0.72× | ||
| Q1 25 | -0.57× | -3.23× | ||
| Q4 24 | 4.99× | — | ||
| Q3 24 | 0.34× | — | ||
| Q2 24 | 2.13× | 0.43× | ||
| Q1 24 | 1.66× | -6.23× |
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
CTVA
| Corn | $1.4B | 35% |
| Herbicides | $1.1B | 27% |
| Insecticides | $488.0M | 12% |
| Fungicides | $272.0M | 7% |
| Biologicals | $191.0M | 5% |
| Soybean | $164.0M | 4% |
| Other | $160.0M | 4% |
| Otheroilseeds | $94.0M | 2% |
