vs
Citizens Financial Group（CFG）与Fifth Third Bancorp（FITB）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Fifth Third Bancorp的1.4倍（$2.2B vs $1.5B），Fifth Third Bancorp净利率更高（47.7% vs 24.5%，领先23.2%），Citizens Financial Group同比增速更快（8.6% vs 6.4%）
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。
Fifth Third Bancorp是总部位于美国俄亥俄州辛辛那提的银行控股集团，为美国大型银行之一，位列《财富》美国500强第321位。旗下银行在全美12个州共运营1087家分行及2400台自动柜员机，服务覆盖多区域市场。
CFG vs FITB — 直观对比
营收规模更大
CFG
是对方的1.4倍
$1.5B
营收增速更快
CFG
高出2.2%
6.4%
净利率更高
FITB
高出23.2%
24.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.5B |
| 净利润 | $528.0M | $730.0M |
| 毛利率 | — | — |
| 营业利润率 | 31.4% | 59.7% |
| 净利率 | 24.5% | 47.7% |
| 营收同比 | 8.6% | 6.4% |
| 净利润同比 | 31.7% | 17.7% |
| 每股收益（稀释后） | $1.12 | $1.03 |
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CFGFITB
| Q4 25 | $2.2B | $1.5B | ||
| Q3 25 | $2.1B | $1.5B | ||
| Q2 25 | $2.0B | $1.5B | ||
| Q1 25 | $1.9B | $1.4B | ||
| Q4 24 | $2.0B | $1.4B | ||
| Q3 24 | $1.9B | — | ||
| Q2 24 | $2.0B | — | ||
| Q1 24 | $2.0B | — |
净利润CFGFITB
| Q4 25 | $528.0M | $730.0M | ||
| Q3 25 | $494.0M | $649.0M | ||
| Q2 25 | $436.0M | $628.0M | ||
| Q1 25 | $373.0M | $515.0M | ||
| Q4 24 | $401.0M | $620.0M | ||
| Q3 24 | $382.0M | — | ||
| Q2 24 | $392.0M | — | ||
| Q1 24 | $334.0M | — |
营业利润率CFGFITB
| Q4 25 | 31.4% | 59.7% | ||
| Q3 25 | 29.7% | 55.1% | ||
| Q2 25 | 27.2% | 54.0% | ||
| Q1 25 | 24.2% | 45.4% | ||
| Q4 24 | 25.6% | 53.3% | ||
| Q3 24 | 24.7% | — | ||
| Q2 24 | 24.5% | — | ||
| Q1 24 | 21.9% | — |
净利率CFGFITB
| Q4 25 | 24.5% | 47.7% | ||
| Q3 25 | 23.3% | 42.7% | ||
| Q2 25 | 21.4% | 42.0% | ||
| Q1 25 | 19.3% | 35.8% | ||
| Q4 24 | 20.2% | 43.1% | ||
| Q3 24 | 20.1% | — | ||
| Q2 24 | 20.0% | — | ||
| Q1 24 | 17.0% | — |
每股收益（稀释后）CFGFITB
| Q4 25 | $1.12 | $1.03 | ||
| Q3 25 | $1.05 | $0.91 | ||
| Q2 25 | $0.92 | $0.88 | ||
| Q1 25 | $0.77 | $0.71 | ||
| Q4 24 | $0.83 | $0.85 | ||
| Q3 24 | $0.77 | — | ||
| Q2 24 | $0.78 | — | ||
| Q1 24 | $0.65 | — |
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 | $13.6B |
| 股东权益账面价值 | $26.3B | $21.7B |
| 总资产 | $226.4B | $214.4B |
| 负债/权益比越低杠杆越低 | 0.43× | 0.63× |
8季度趋势，按日历期对齐
总债务CFGFITB
| Q4 25 | $11.2B | $13.6B | ||
| Q3 25 | $10.4B | $13.7B | ||
| Q2 25 | $12.5B | $14.5B | ||
| Q1 25 | $12.3B | $14.5B | ||
| Q4 24 | $12.4B | $14.3B | ||
| Q3 24 | $13.9B | — | ||
| Q2 24 | $13.1B | — | ||
| Q1 24 | $13.8B | — |
股东权益CFGFITB
| Q4 25 | $26.3B | $21.7B | ||
| Q3 25 | $25.8B | $21.1B | ||
| Q2 25 | $25.2B | $21.1B | ||
| Q1 25 | $24.9B | $20.4B | ||
| Q4 24 | $24.3B | $19.6B | ||
| Q3 24 | $24.9B | — | ||
| Q2 24 | $23.9B | — | ||
| Q1 24 | $23.8B | — |
总资产CFGFITB
| Q4 25 | $226.4B | $214.4B | ||
| Q3 25 | $222.7B | $212.9B | ||
| Q2 25 | $218.3B | $210.0B | ||
| Q1 25 | $220.1B | $212.7B | ||
| Q4 24 | $217.5B | $212.9B | ||
| Q3 24 | $219.7B | — | ||
| Q2 24 | $219.9B | — | ||
| Q1 24 | $220.4B | — |
负债/权益比CFGFITB
| Q4 25 | 0.43× | 0.63× | ||
| Q3 25 | 0.40× | 0.65× | ||
| Q2 25 | 0.50× | 0.69× | ||
| Q1 25 | 0.49× | 0.71× | ||
| Q4 24 | 0.51× | 0.73× | ||
| 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 | $929.0M |
| 自由现金流经营现金流 - 资本支出 | — | $765.0M |
| 自由现金流率自由现金流/营收 | — | 50.0% |
| 资本支出强度资本支出/营收 | — | 10.7% |
| 现金转化率经营现金流/净利润 | 4.19× | 1.27× |
| 过去12个月自由现金流最近4个季度 | — | $3.9B |
8季度趋势，按日历期对齐
经营现金流CFGFITB
| Q4 25 | $2.2B | $929.0M | ||
| Q3 25 | $1.7B | $1.0B | ||
| Q2 25 | $886.0M | $1.3B | ||
| Q1 25 | $-213.0M | $1.2B | ||
| Q4 24 | $2.0B | $-101.0M | ||
| Q3 24 | $130.0M | — | ||
| Q2 24 | $834.0M | — | ||
| Q1 24 | $554.0M | — |
自由现金流CFGFITB
| Q4 25 | — | $765.0M | ||
| Q3 25 | — | $886.0M | ||
| Q2 25 | — | $1.2B | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | — | $-246.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率CFGFITB
| Q4 25 | — | 50.0% | ||
| Q3 25 | — | 58.3% | ||
| Q2 25 | — | 77.8% | ||
| Q1 25 | — | 77.7% | ||
| Q4 24 | — | -17.1% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度CFGFITB
| Q4 25 | — | 10.7% | ||
| Q3 25 | — | 10.5% | ||
| Q2 25 | — | 9.6% | ||
| Q1 25 | — | 8.1% | ||
| Q4 24 | — | 10.1% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
现金转化率CFGFITB
| Q4 25 | 4.19× | 1.27× | ||
| Q3 25 | 3.43× | 1.61× | ||
| Q2 25 | 2.03× | 2.08× | ||
| Q1 25 | -0.57× | 2.39× | ||
| Q4 24 | 4.99× | -0.16× | ||
| Q3 24 | 0.34× | — | ||
| Q2 24 | 2.13× | — | ||
| 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
