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Citizens Financial Group（CFG）与艺康（ECL）财务数据对比。点击上方公司名可切换其他公司
艺康的季度营收约是Citizens Financial Group的1.9倍（$4.1B vs $2.2B），Citizens Financial Group净利率更高（24.5% vs 10.6%，领先13.8%），艺康同比增速更快（10.0% vs 8.6%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs 1.0%）
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。
艺康（Ecolab）总部位于美国明尼苏达州圣保罗市，是全球领先的水处理、清洁消毒与卫生防护产品提供商，核心客户群体覆盖各领域商业机构与工业企业，可助力客户提升运营效率、保障公共卫生安全、实现可持续发展。
CFG vs ECL — 直观对比
营收规模更大
ECL
是对方的1.9倍
$2.2B
营收增速更快
ECL
高出1.4%
8.6%
净利率更高
CFG
高出13.8%
10.6%
两年增速更快
CFG
近两年复合增速
1.0%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $4.1B |
| 净利润 | $528.0M | $432.6M |
| 毛利率 | — | — |
| 营业利润率 | 31.4% | 15.3% |
| 净利率 | 24.5% | 10.6% |
| 营收同比 | 8.6% | 10.0% |
| 净利润同比 | 31.7% | 1.3% |
| 每股收益（稀释后） | $1.12 | $1.52 |
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CFGECL
| Q2 26 | — | $4.1B | ||
| Q4 25 | $2.2B | $4.2B | ||
| Q3 25 | $2.1B | $4.2B | ||
| Q2 25 | $2.0B | $4.0B | ||
| Q1 25 | $1.9B | $3.7B | ||
| Q4 24 | $2.0B | $4.0B | ||
| Q3 24 | $1.9B | $4.0B | ||
| Q2 24 | $2.0B | $4.0B |
净利润CFGECL
| Q2 26 | — | $432.6M | ||
| Q4 25 | $528.0M | $563.9M | ||
| Q3 25 | $494.0M | $585.0M | ||
| Q2 25 | $436.0M | $524.2M | ||
| Q1 25 | $373.0M | $402.5M | ||
| Q4 24 | $401.0M | $472.9M | ||
| Q3 24 | $382.0M | $736.5M | ||
| Q2 24 | $392.0M | $490.9M |
毛利率CFGECL
| Q2 26 | — | — | ||
| Q4 25 | — | 44.0% | ||
| Q3 25 | — | 44.8% | ||
| Q2 25 | — | 44.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 43.3% | ||
| Q3 24 | — | 43.4% | ||
| Q2 24 | — | 43.8% |
营业利润率CFGECL
| Q2 26 | — | 15.3% | ||
| Q4 25 | 31.4% | 17.0% | ||
| Q3 25 | 29.7% | 18.3% | ||
| Q2 25 | 27.2% | 17.6% | ||
| Q1 25 | 24.2% | 15.0% | ||
| Q4 24 | 25.6% | 14.6% | ||
| Q3 24 | 24.7% | 26.1% | ||
| Q2 24 | 24.5% | 16.5% |
净利率CFGECL
| Q2 26 | — | 10.6% | ||
| Q4 25 | 24.5% | 13.4% | ||
| Q3 25 | 23.3% | 14.0% | ||
| Q2 25 | 21.4% | 13.0% | ||
| Q1 25 | 19.3% | 10.9% | ||
| Q4 24 | 20.2% | 11.8% | ||
| Q3 24 | 20.1% | 18.4% | ||
| Q2 24 | 20.0% | 12.3% |
每股收益（稀释后）CFGECL
| Q2 26 | — | $1.52 | ||
| Q4 25 | $1.12 | $1.98 | ||
| Q3 25 | $1.05 | $2.05 | ||
| Q2 25 | $0.92 | $1.84 | ||
| Q1 25 | $0.77 | $1.41 | ||
| Q4 24 | $0.83 | $1.65 | ||
| Q3 24 | $0.77 | $2.58 | ||
| Q2 24 | $0.78 | $1.71 |
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 | — | $519.8K |
| 总债务越低越好 | $11.2B | $8.5M |
| 股东权益账面价值 | $26.3B | $10.0M |
| 总资产 | $226.4B | $25.0M |
| 负债/权益比越低杠杆越低 | 0.43× | 0.85× |
8季度趋势，按日历期对齐
现金及短期投资CFGECL
| Q2 26 | — | $519.8K | ||
| Q4 25 | — | $646.2M | ||
| Q3 25 | — | $2.0B | ||
| Q2 25 | — | $1.9B | ||
| Q1 25 | — | $1.2B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | — | $1.3B | ||
| Q2 24 | — | $384.0M |
总债务CFGECL
| Q2 26 | — | $8.5M | ||
| Q4 25 | $11.2B | $7.4B | ||
| Q3 25 | $10.4B | $8.1B | ||
| Q2 25 | $12.5B | $7.5B | ||
| Q1 25 | $12.3B | $7.0B | ||
| Q4 24 | $12.4B | $6.9B | ||
| Q3 24 | $13.9B | $7.0B | ||
| Q2 24 | $13.1B | $7.5B |
股东权益CFGECL
| Q2 26 | — | $10.0M | ||
| Q4 25 | $26.3B | $9.8B | ||
| Q3 25 | $25.8B | $9.7B | ||
| Q2 25 | $25.2B | $9.3B | ||
| Q1 25 | $24.9B | $8.9B | ||
| Q4 24 | $24.3B | $8.8B | ||
| Q3 24 | $24.9B | $8.5B | ||
| Q2 24 | $23.9B | $8.3B |
总资产CFGECL
| Q2 26 | — | $25.0M | ||
| Q4 25 | $226.4B | $24.7B | ||
| Q3 25 | $222.7B | $23.9B | ||
| Q2 25 | $218.3B | $23.7B | ||
| Q1 25 | $220.1B | $22.4B | ||
| Q4 24 | $217.5B | $22.4B | ||
| Q3 24 | $219.7B | $22.1B | ||
| Q2 24 | $219.9B | $21.5B |
负债/权益比CFGECL
| Q2 26 | — | 0.85× | ||
| Q4 25 | 0.43× | 0.75× | ||
| Q3 25 | 0.40× | 0.83× | ||
| Q2 25 | 0.50× | 0.81× | ||
| Q1 25 | 0.49× | 0.79× | ||
| Q4 24 | 0.51× | 0.79× | ||
| Q3 24 | 0.56× | 0.82× | ||
| Q2 24 | 0.55× | 0.91× |
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 | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 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× | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流CFGECL
| Q2 26 | — | — | ||
| Q4 25 | $2.2B | $1.1B | ||
| Q3 25 | $1.7B | $791.3M | ||
| Q2 25 | $886.0M | $701.8M | ||
| Q1 25 | $-213.0M | $369.4M | ||
| Q4 24 | $2.0B | $766.7M | ||
| Q3 24 | $130.0M | $786.7M | ||
| Q2 24 | $834.0M | $611.1M |
自由现金流CFGECL
| Q2 26 | — | — | ||
| Q4 25 | — | $758.0M | ||
| Q3 25 | — | $529.7M | ||
| Q2 25 | — | $485.1M | ||
| Q1 25 | — | $131.5M | ||
| Q4 24 | — | $407.0M | ||
| Q3 24 | — | $550.3M | ||
| Q2 24 | — | $414.2M |
自由现金流率CFGECL
| Q2 26 | — | — | ||
| Q4 25 | — | 18.1% | ||
| Q3 25 | — | 12.7% | ||
| Q2 25 | — | 12.1% | ||
| Q1 25 | — | 3.6% | ||
| Q4 24 | — | 10.2% | ||
| Q3 24 | — | 13.8% | ||
| Q2 24 | — | 10.4% |
资本支出强度CFGECL
| Q2 26 | — | — | ||
| Q4 25 | — | 7.9% | ||
| Q3 25 | — | 6.3% | ||
| Q2 25 | — | 5.4% | ||
| Q1 25 | — | 6.4% | ||
| Q4 24 | — | 9.0% | ||
| Q3 24 | — | 5.9% | ||
| Q2 24 | — | 4.9% |
现金转化率CFGECL
| Q2 26 | — | — | ||
| Q4 25 | 4.19× | 1.93× | ||
| Q3 25 | 3.43× | 1.35× | ||
| Q2 25 | 2.03× | 1.34× | ||
| Q1 25 | -0.57× | 0.92× | ||
| Q4 24 | 4.99× | 1.62× | ||
| Q3 24 | 0.34× | 1.07× | ||
| Q2 24 | 2.13× | 1.24× |
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
ECL
| Product and equipment sales | $3.2B | 78% |
| Service and lease sales | $891.5M | 22% |
