vs
Citizens Financial Group（CFG）与格罗方德（GFS）财务数据对比。点击上方公司名可切换其他公司
Citizens Financial Group的季度营收约是格罗方德的1.3倍（$2.2B vs $1.7B），Citizens Financial Group净利率更高（23.8% vs 14.8%，领先9.1%），Citizens Financial Group同比增速更快（12.0% vs -2.9%），过去两年Citizens Financial Group的营收复合增速更高（5.1% vs -4.3%）
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。
格罗方德是跨国半导体代工及设计企业，注册地为开曼群岛，总部位于美国纽约州马耳他。公司2009年3月由AMD制造业务分拆成立，2021年10月完成首次公开募股，阿联酋主权财富基金穆巴达拉投资公司目前仍持有其82%的多数股权。
CFG vs GFS — 直观对比
营收规模更大
CFG
是对方的1.3倍
$1.7B
营收增速更快
CFG
高出15.0%
-2.9%
净利率更高
CFG
高出9.1%
14.8%
两年增速更快
CFG
近两年复合增速
-4.3%
损益表 — Q1 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.7B |
| 净利润 | $517.0M | $249.0M |
| 毛利率 | — | 24.8% |
| 营业利润率 | — | 11.6% |
| 净利率 | 23.8% | 14.8% |
| 营收同比 | 12.0% | -2.9% |
| 净利润同比 | 38.6% | 39.9% |
| 每股收益（稀释后） | $1.13 | $0.44 |
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CFGGFS
| Q1 26 | $2.2B | — | ||
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.1B | $1.7B | ||
| Q2 25 | $2.0B | $1.7B | ||
| Q1 25 | $1.9B | $1.6B | ||
| Q4 24 | $2.0B | — | ||
| Q3 24 | $1.9B | $1.7B | ||
| Q2 24 | $2.0B | $1.6B |
净利润CFGGFS
| Q1 26 | $517.0M | — | ||
| Q4 25 | $528.0M | — | ||
| Q3 25 | $494.0M | $249.0M | ||
| Q2 25 | $436.0M | $228.0M | ||
| Q1 25 | $373.0M | $211.0M | ||
| Q4 24 | $401.0M | — | ||
| Q3 24 | $382.0M | $178.0M | ||
| Q2 24 | $392.0M | $155.0M |
毛利率CFGGFS
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 24.8% | ||
| Q2 25 | — | 24.2% | ||
| Q1 25 | — | 22.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 23.8% | ||
| Q2 24 | — | 24.2% |
营业利润率CFGGFS
| Q1 26 | — | — | ||
| Q4 25 | 31.4% | — | ||
| Q3 25 | 29.7% | 11.6% | ||
| Q2 25 | 27.2% | 11.6% | ||
| Q1 25 | 24.2% | 9.5% | ||
| Q4 24 | 25.6% | — | ||
| Q3 24 | 24.7% | 10.6% | ||
| Q2 24 | 24.5% | 9.5% |
净利率CFGGFS
| Q1 26 | 23.8% | — | ||
| Q4 25 | 24.5% | — | ||
| Q3 25 | 23.3% | 14.8% | ||
| Q2 25 | 21.4% | 13.5% | ||
| Q1 25 | 19.3% | 13.3% | ||
| Q4 24 | 20.2% | — | ||
| Q3 24 | 20.1% | 10.2% | ||
| Q2 24 | 20.0% | 9.5% |
每股收益（稀释后）CFGGFS
| Q1 26 | $1.13 | — | ||
| Q4 25 | $1.12 | — | ||
| Q3 25 | $1.05 | $0.44 | ||
| Q2 25 | $0.92 | $0.41 | ||
| Q1 25 | $0.77 | $0.38 | ||
| Q4 24 | $0.83 | — | ||
| Q3 24 | $0.77 | $0.32 | ||
| Q2 24 | $0.78 | $0.28 |
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 | — | $2.0B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $26.2B | $11.8B |
| 总资产 | $227.9B | $16.7B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CFGGFS
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $2.0B | ||
| Q2 25 | — | $1.8B | ||
| Q1 25 | — | $1.6B | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $2.3B | ||
| Q2 24 | — | $2.2B |
总债务CFGGFS
| Q1 26 | — | — | ||
| 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 | — |
股东权益CFGGFS
| Q1 26 | $26.2B | — | ||
| Q4 25 | $26.3B | — | ||
| Q3 25 | $25.8B | $11.8B | ||
| Q2 25 | $25.2B | $11.5B | ||
| Q1 25 | $24.9B | $11.1B | ||
| Q4 24 | $24.3B | — | ||
| Q3 24 | $24.9B | $11.6B | ||
| Q2 24 | $23.9B | $11.3B |
总资产CFGGFS
| Q1 26 | $227.9B | — | ||
| Q4 25 | $226.4B | — | ||
| Q3 25 | $222.7B | $16.7B | ||
| Q2 25 | $218.3B | $16.8B | ||
| Q1 25 | $220.1B | $16.5B | ||
| Q4 24 | $217.5B | — | ||
| Q3 24 | $219.7B | $18.1B | ||
| Q2 24 | $219.9B | — |
负债/权益比CFGGFS
| Q1 26 | — | — | ||
| 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× | — |
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 | — | $595.0M |
| 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 | — | 2.39× |
| 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CFGGFS
| Q1 26 | — | — | ||
| Q4 25 | $2.2B | — | ||
| Q3 25 | $1.7B | $595.0M | ||
| Q2 25 | $886.0M | $431.0M | ||
| Q1 25 | $-213.0M | $331.0M | ||
| Q4 24 | $2.0B | — | ||
| Q3 24 | $130.0M | $375.0M | ||
| Q2 24 | $834.0M | $402.0M |
现金转化率CFGGFS
| Q1 26 | — | — | ||
| Q4 25 | 4.19× | — | ||
| Q3 25 | 3.43× | 2.39× | ||
| Q2 25 | 2.03× | 1.89× | ||
| Q1 25 | -0.57× | 1.57× | ||
| Q4 24 | 4.99× | — | ||
| Q3 24 | 0.34× | 2.11× | ||
| Q2 24 | 2.13× | 2.59× |
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
GFS
| Smart Mobile Devices | $752.0M | 45% |
| Automotive | $306.0M | 18% |
| Home And Industrial Io T | $258.0M | 15% |
| Goods Or Services Transferred Over Time | $198.0M | 12% |
| Communications Infrastructure Datacenter | $175.0M | 10% |
