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Citizens Financial Group（CFG）与Graham Holdings Co（GHC）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Graham Holdings Co的1.7倍（$2.2B vs $1.3B），Citizens Financial Group净利率更高（24.5% vs 8.7%，领先15.8%），Citizens Financial Group同比增速更快（8.6% vs 0.4%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs 4.2%）
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。
Graham Holdings是一家总部位于美国弗吉尼亚州阿灵顿县、在特拉华州注册的多元化综合控股集团，曾持有知名媒体《华盛顿邮报》与《新闻周刊》的所有权，旗下业务覆盖多个领域，在北美市场拥有深厚的行业运营积淀。
CFG vs GHC — 直观对比
营收规模更大
CFG
是对方的1.7倍
$1.3B
营收增速更快
CFG
高出8.2%
0.4%
净利率更高
CFG
高出15.8%
8.7%
两年增速更快
CFG
近两年复合增速
4.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.3B |
| 净利润 | $528.0M | $108.7M |
| 毛利率 | — | — |
| 营业利润率 | 31.4% | 3.8% |
| 净利率 | 24.5% | 8.7% |
| 营收同比 | 8.6% | 0.4% |
| 净利润同比 | 31.7% | -80.2% |
| 每股收益（稀释后） | $1.12 | $24.76 |
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CFGGHC
| Q4 25 | $2.2B | $1.3B | ||
| Q3 25 | $2.1B | $1.3B | ||
| Q2 25 | $2.0B | $1.2B | ||
| Q1 25 | $1.9B | $1.2B | ||
| Q4 24 | $2.0B | $1.2B | ||
| Q3 24 | $1.9B | $1.2B | ||
| Q2 24 | $2.0B | $1.2B | ||
| Q1 24 | $2.0B | $1.2B |
净利润CFGGHC
| Q4 25 | $528.0M | $108.7M | ||
| Q3 25 | $494.0M | $122.9M | ||
| Q2 25 | $436.0M | $36.7M | ||
| Q1 25 | $373.0M | $23.9M | ||
| Q4 24 | $401.0M | $548.8M | ||
| Q3 24 | $382.0M | $72.5M | ||
| Q2 24 | $392.0M | $-21.0M | ||
| Q1 24 | $334.0M | $124.4M |
营业利润率CFGGHC
| Q4 25 | 31.4% | 3.8% | ||
| Q3 25 | 29.7% | 5.2% | ||
| Q2 25 | 27.2% | 6.0% | ||
| Q1 25 | 24.2% | 4.1% | ||
| Q4 24 | 25.6% | 5.8% | ||
| Q3 24 | 24.7% | 6.8% | ||
| Q2 24 | 24.5% | 2.2% | ||
| Q1 24 | 21.9% | 3.1% |
净利率CFGGHC
| Q4 25 | 24.5% | 8.7% | ||
| Q3 25 | 23.3% | 9.6% | ||
| Q2 25 | 21.4% | 3.0% | ||
| Q1 25 | 19.3% | 2.0% | ||
| Q4 24 | 20.2% | 44.1% | ||
| Q3 24 | 20.1% | 6.0% | ||
| Q2 24 | 20.0% | -1.8% | ||
| Q1 24 | 17.0% | 10.8% |
每股收益（稀释后）CFGGHC
| Q4 25 | $1.12 | $24.76 | ||
| Q3 25 | $1.05 | $27.91 | ||
| Q2 25 | $0.92 | $8.35 | ||
| Q1 25 | $0.77 | $5.45 | ||
| Q4 24 | $0.83 | $124.05 | ||
| Q3 24 | $0.77 | $16.42 | ||
| Q2 24 | $0.78 | $-4.79 | ||
| Q1 24 | $0.65 | $27.72 |
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 | — | $267.0M |
| 总债务越低越好 | $11.2B | — |
| 股东权益账面价值 | $26.3B | $4.8B |
| 总资产 | $226.4B | $8.4B |
| 负债/权益比越低杠杆越低 | 0.43× | — |
8季度趋势，按日历期对齐
现金及短期投资CFGGHC
| Q4 25 | — | $267.0M | ||
| Q3 25 | — | $190.8M | ||
| Q2 25 | — | $176.2M | ||
| Q1 25 | — | $156.7M | ||
| Q4 24 | — | $260.9M | ||
| Q3 24 | — | $244.4M | ||
| Q2 24 | — | $140.7M | ||
| Q1 24 | — | $130.9M |
总债务CFGGHC
| 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CFGGHC
| Q4 25 | $26.3B | $4.8B | ||
| Q3 25 | $25.8B | $4.5B | ||
| Q2 25 | $25.2B | $4.4B | ||
| Q1 25 | $24.9B | $4.3B | ||
| Q4 24 | $24.3B | $4.3B | ||
| Q3 24 | $24.9B | $4.0B | ||
| Q2 24 | $23.9B | $4.0B | ||
| Q1 24 | $23.8B | $4.0B |
总资产CFGGHC
| Q4 25 | $226.4B | $8.4B | ||
| Q3 25 | $222.7B | $7.9B | ||
| Q2 25 | $218.3B | $7.6B | ||
| Q1 25 | $220.1B | $7.6B | ||
| Q4 24 | $217.5B | $7.7B | ||
| Q3 24 | $219.7B | $7.4B | ||
| Q2 24 | $219.9B | $7.2B | ||
| Q1 24 | $220.4B | $7.3B |
负债/权益比CFGGHC
| 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 | $28.3M |
| 自由现金流经营现金流 - 资本支出 | — | $5.0M |
| 自由现金流率自由现金流/营收 | — | 0.4% |
| 资本支出强度资本支出/营收 | — | 1.9% |
| 现金转化率经营现金流/净利润 | 4.19× | 0.26× |
| 过去12个月自由现金流最近4个季度 | — | $275.3M |
8季度趋势，按日历期对齐
经营现金流CFGGHC
| Q4 25 | $2.2B | $28.3M | ||
| Q3 25 | $1.7B | $178.1M | ||
| Q2 25 | $886.0M | $94.8M | ||
| Q1 25 | $-213.0M | $46.0M | ||
| Q4 24 | $2.0B | $116.3M | ||
| Q3 24 | $130.0M | $237.6M | ||
| Q2 24 | $834.0M | $52.0M | ||
| Q1 24 | $554.0M | $1.1M |
自由现金流CFGGHC
| Q4 25 | — | $5.0M | ||
| Q3 25 | — | $161.8M | ||
| Q2 25 | — | $78.0M | ||
| Q1 25 | — | $30.5M | ||
| Q4 24 | — | $91.1M | ||
| Q3 24 | — | $219.4M | ||
| Q2 24 | — | $33.7M | ||
| Q1 24 | — | $-20.2M |
自由现金流率CFGGHC
| Q4 25 | — | 0.4% | ||
| Q3 25 | — | 12.6% | ||
| Q2 25 | — | 6.4% | ||
| Q1 25 | — | 2.6% | ||
| Q4 24 | — | 7.3% | ||
| Q3 24 | — | 18.2% | ||
| Q2 24 | — | 2.8% | ||
| Q1 24 | — | -1.8% |
资本支出强度CFGGHC
| Q4 25 | — | 1.9% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 1.4% | ||
| Q1 25 | — | 1.3% | ||
| Q4 24 | — | 2.0% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 1.5% | ||
| Q1 24 | — | 1.8% |
现金转化率CFGGHC
| Q4 25 | 4.19× | 0.26× | ||
| Q3 25 | 3.43× | 1.45× | ||
| Q2 25 | 2.03× | 2.58× | ||
| Q1 25 | -0.57× | 1.93× | ||
| Q4 24 | 4.99× | 0.21× | ||
| Q3 24 | 0.34× | 3.28× | ||
| Q2 24 | 2.13× | — | ||
| Q1 24 | 1.66× | 0.01× |
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
GHC
| Products | $602.7M | 48% |
| Kaplan International | $251.9M | 20% |
| Manufacturing | $117.8M | 9% |
| Television Broadcasting | $110.5M | 9% |
| Higher Education | $83.8M | 7% |
| Supplemental Education | $74.9M | 6% |
| Related Party | $4.4M | 0% |
