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Citizens Financial Group（CFG）与Floor & Decor Holdings, Inc.（FND）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Floor & Decor Holdings, Inc.的1.9倍（$2.2B vs $1.1B），Citizens Financial Group净利率更高（24.5% vs 3.5%，领先21.0%），Citizens Financial Group同比增速更快（8.6% vs 2.0%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs 1.5%）
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。
Floor & Decor Holdings, Inc.是美国多渠道专业零售企业，对外使用Floor & Decor品牌开展业务，创立于2000年，总部位于美国佐治亚州士麦那，主营各类硬质面地板及相关配套配件，线上线下销售渠道全面覆盖。
CFG vs FND — 直观对比
营收规模更大
CFG
是对方的1.9倍
$1.1B
营收增速更快
CFG
高出6.6%
2.0%
净利率更高
CFG
高出21.0%
3.5%
两年增速更快
CFG
近两年复合增速
1.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.1B |
| 净利润 | $528.0M | $39.3M |
| 毛利率 | — | 43.5% |
| 营业利润率 | 31.4% | 4.6% |
| 净利率 | 24.5% | 3.5% |
| 营收同比 | 8.6% | 2.0% |
| 净利润同比 | 31.7% | -17.2% |
| 每股收益（稀释后） | $1.12 | $0.36 |
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CFGFND
| Q4 25 | $2.2B | $1.1B | ||
| Q3 25 | $2.1B | $1.2B | ||
| 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 | $1.1B |
净利润CFGFND
| Q4 25 | $528.0M | $39.3M | ||
| Q3 25 | $494.0M | $57.3M | ||
| Q2 25 | $436.0M | $63.2M | ||
| Q1 25 | $373.0M | $48.9M | ||
| Q4 24 | $401.0M | $47.5M | ||
| Q3 24 | $382.0M | $51.7M | ||
| Q2 24 | $392.0M | $56.7M | ||
| Q1 24 | $334.0M | $50.0M |
毛利率CFGFND
| Q4 25 | — | 43.5% | ||
| Q3 25 | — | 43.4% | ||
| Q2 25 | — | 43.9% | ||
| Q1 25 | — | 43.8% | ||
| Q4 24 | — | 43.5% | ||
| Q3 24 | — | 43.5% | ||
| Q2 24 | — | 43.3% | ||
| Q1 24 | — | 42.8% |
营业利润率CFGFND
| Q4 25 | 31.4% | 4.6% | ||
| Q3 25 | 29.7% | 6.1% | ||
| Q2 25 | 27.2% | 6.7% | ||
| Q1 25 | 24.2% | 5.5% | ||
| Q4 24 | 25.6% | 5.3% | ||
| Q3 24 | 24.7% | 5.9% | ||
| Q2 24 | 24.5% | 6.3% | ||
| Q1 24 | 21.9% | 5.4% |
净利率CFGFND
| Q4 25 | 24.5% | 3.5% | ||
| Q3 25 | 23.3% | 4.9% | ||
| Q2 25 | 21.4% | 5.2% | ||
| Q1 25 | 19.3% | 4.2% | ||
| Q4 24 | 20.2% | 4.3% | ||
| Q3 24 | 20.1% | 4.6% | ||
| Q2 24 | 20.0% | 5.0% | ||
| Q1 24 | 17.0% | 4.6% |
每股收益（稀释后）CFGFND
| Q4 25 | $1.12 | $0.36 | ||
| Q3 25 | $1.05 | $0.53 | ||
| Q2 25 | $0.92 | $0.58 | ||
| Q1 25 | $0.77 | $0.45 | ||
| Q4 24 | $0.83 | $0.44 | ||
| Q3 24 | $0.77 | $0.48 | ||
| Q2 24 | $0.78 | $0.52 | ||
| Q1 24 | $0.65 | $0.46 |
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 | $2.4B |
| 总资产 | $226.4B | $5.5B |
| 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CFGFND
| Q4 25 | $11.2B | — | ||
| Q3 25 | $10.4B | — | ||
| Q2 25 | $12.5B | — | ||
| Q1 25 | $12.3B | — | ||
| Q4 24 | $12.4B | — | ||
| Q3 24 | $13.9B | — | ||
| Q2 24 | $13.1B | — | ||
| Q1 24 | $13.8B | — |
股东权益CFGFND
| Q4 25 | $26.3B | $2.4B | ||
| Q3 25 | $25.8B | $2.4B | ||
| Q2 25 | $25.2B | $2.3B | ||
| Q1 25 | $24.9B | $2.2B | ||
| Q4 24 | $24.3B | $2.2B | ||
| Q3 24 | $24.9B | $2.1B | ||
| Q2 24 | $23.9B | $2.0B | ||
| Q1 24 | $23.8B | $2.0B |
总资产CFGFND
| Q4 25 | $226.4B | $5.5B | ||
| Q3 25 | $222.7B | $5.5B | ||
| Q2 25 | $218.3B | $5.4B | ||
| Q1 25 | $220.1B | $5.4B | ||
| Q4 24 | $217.5B | $5.1B | ||
| Q3 24 | $219.7B | $4.9B | ||
| Q2 24 | $219.9B | $4.8B | ||
| Q1 24 | $220.4B | $4.7B |
负债/权益比CFGFND
| Q4 25 | 0.43× | — | ||
| Q3 25 | 0.40× | — | ||
| Q2 25 | 0.50× | — | ||
| Q1 25 | 0.49× | — | ||
| Q4 24 | 0.51× | — | ||
| 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 | $124.1M |
| 自由现金流经营现金流 - 资本支出 | — | $45.1M |
| 自由现金流率自由现金流/营收 | — | 4.0% |
| 资本支出强度资本支出/营收 | — | 7.0% |
| 现金转化率经营现金流/净利润 | 4.19× | 3.15× |
| 过去12个月自由现金流最近4个季度 | — | $64.1M |
8季度趋势，按日历期对齐
经营现金流CFGFND
| Q4 25 | $2.2B | $124.1M | ||
| Q3 25 | $1.7B | $102.5M | ||
| Q2 25 | $886.0M | $84.1M | ||
| Q1 25 | $-213.0M | $71.2M | ||
| Q4 24 | $2.0B | $101.4M | ||
| Q3 24 | $130.0M | $160.3M | ||
| Q2 24 | $834.0M | $194.0M | ||
| Q1 24 | $554.0M | $147.5M |
自由现金流CFGFND
| Q4 25 | — | $45.1M | ||
| Q3 25 | — | $24.5M | ||
| Q2 25 | — | $-10.0M | ||
| Q1 25 | — | $4.4M | ||
| Q4 24 | — | $3.9M | ||
| Q3 24 | — | $36.5M | ||
| Q2 24 | — | $80.0M | ||
| Q1 24 | — | $35.8M |
自由现金流率CFGFND
| Q4 25 | — | 4.0% | ||
| Q3 25 | — | 2.1% | ||
| Q2 25 | — | -0.8% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.4% | ||
| Q3 24 | — | 3.3% | ||
| Q2 24 | — | 7.1% | ||
| Q1 24 | — | 3.3% |
资本支出强度CFGFND
| Q4 25 | — | 7.0% | ||
| Q3 25 | — | 6.6% | ||
| Q2 25 | — | 7.8% | ||
| Q1 25 | — | 5.7% | ||
| Q4 24 | — | 8.8% | ||
| Q3 24 | — | 11.1% | ||
| Q2 24 | — | 10.1% | ||
| Q1 24 | — | 10.2% |
现金转化率CFGFND
| Q4 25 | 4.19× | 3.15× | ||
| Q3 25 | 3.43× | 1.79× | ||
| Q2 25 | 2.03× | 1.33× | ||
| Q1 25 | -0.57× | 1.46× | ||
| Q4 24 | 4.99× | 2.14× | ||
| Q3 24 | 0.34× | 3.10× | ||
| Q2 24 | 2.13× | 3.42× | ||
| Q1 24 | 1.66× | 2.95× |
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
FND
| Laminate And Vinyl | $310.1M | 27% |
| Tile | $259.1M | 23% |
| Installation Materials And Tools | $218.4M | 19% |
| Decorative Accessories And Wall Tile | $177.0M | 16% |
| Wood | $83.2M | 7% |
| Natural Stone | $46.8M | 4% |
| Adjacent Categories | $26.6M | 2% |
| Other | $8.5M | 1% |
