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Citizens Financial Group（CFG）与凯悦酒店集团（H）财务数据对比。点击上方公司名可切换其他公司
Citizens Financial Group的季度营收约是凯悦酒店集团的1.2倍（$2.2B vs $1.8B），Citizens Financial Group净利率更高（24.5% vs -1.1%，领先25.6%），凯悦酒店集团同比增速更快（11.7% vs 8.6%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs 2.2%）
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。
凯悦酒店集团是来自美国的跨国酒店管理企业，总部位于芝加哥河畔广场区域，由普利兹克家族运营管理。集团主营高端及商务酒店、度假村、度假物业的管理与特许经营业务，目前在全球69个国家拥有逾1350家酒店及一价全包物业，覆盖六大洲。
CFG vs H — 直观对比
营收规模更大
CFG
是对方的1.2倍
$1.8B
营收增速更快
H
高出3.1%
8.6%
净利率更高
CFG
高出25.6%
-1.1%
两年增速更快
CFG
近两年复合增速
2.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.8B |
| 净利润 | $528.0M | $-20.0M |
| 毛利率 | — | — |
| 营业利润率 | 31.4% | 0.4% |
| 净利率 | 24.5% | -1.1% |
| 营收同比 | 8.6% | 11.7% |
| 净利润同比 | 31.7% | 64.3% |
| 每股收益（稀释后） | $1.12 | $-0.20 |
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CFGH
| Q4 25 | $2.2B | $1.8B | ||
| Q3 25 | $2.1B | $1.8B | ||
| Q2 25 | $2.0B | $1.8B | ||
| Q1 25 | $1.9B | $1.7B | ||
| Q4 24 | $2.0B | $1.6B | ||
| Q3 24 | $1.9B | $1.6B | ||
| Q2 24 | $2.0B | $1.7B | ||
| Q1 24 | $2.0B | $1.7B |
净利润CFGH
| Q4 25 | $528.0M | $-20.0M | ||
| Q3 25 | $494.0M | $-49.0M | ||
| Q2 25 | $436.0M | $-3.0M | ||
| Q1 25 | $373.0M | $20.0M | ||
| Q4 24 | $401.0M | $-56.0M | ||
| Q3 24 | $382.0M | $471.0M | ||
| Q2 24 | $392.0M | $359.0M | ||
| Q1 24 | $334.0M | $522.0M |
营业利润率CFGH
| Q4 25 | 31.4% | 0.4% | ||
| Q3 25 | 29.7% | -1.0% | ||
| Q2 25 | 27.2% | 2.1% | ||
| Q1 25 | 24.2% | 3.0% | ||
| Q4 24 | 25.6% | -3.0% | ||
| Q3 24 | 24.7% | 37.3% | ||
| Q2 24 | 24.5% | 27.1% | ||
| Q1 24 | 21.9% | 31.6% |
净利率CFGH
| Q4 25 | 24.5% | -1.1% | ||
| Q3 25 | 23.3% | -2.7% | ||
| Q2 25 | 21.4% | -0.2% | ||
| Q1 25 | 19.3% | 1.2% | ||
| Q4 24 | 20.2% | -3.5% | ||
| Q3 24 | 20.1% | 28.9% | ||
| Q2 24 | 20.0% | 21.1% | ||
| Q1 24 | 17.0% | 30.5% |
每股收益（稀释后）CFGH
| Q4 25 | $1.12 | $-0.20 | ||
| Q3 25 | $1.05 | $-0.51 | ||
| Q2 25 | $0.92 | $-0.03 | ||
| Q1 25 | $0.77 | $0.19 | ||
| Q4 24 | $0.83 | $-0.37 | ||
| Q3 24 | $0.77 | $4.63 | ||
| Q2 24 | $0.78 | $3.46 | ||
| Q1 24 | $0.65 | $4.93 |
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 | — | $813.0M |
| 总债务越低越好 | $11.2B | — |
| 股东权益账面价值 | $26.3B | $3.3B |
| 总资产 | $226.4B | $14.0B |
| 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CFGH
| Q4 25 | — | $813.0M | ||
| Q3 25 | — | $749.0M | ||
| Q2 25 | — | $912.0M | ||
| Q1 25 | — | $1.8B | ||
| Q4 24 | — | $1.4B | ||
| Q3 24 | — | $1.1B | ||
| Q2 24 | — | $2.0B | ||
| Q1 24 | — | $794.0M |
总债务CFGH
| Q4 25 | $11.2B | — | ||
| Q3 25 | $10.4B | $6.0B | ||
| Q2 25 | $12.5B | $6.0B | ||
| Q1 25 | $12.3B | $4.3B | ||
| Q4 24 | $12.4B | $3.8B | ||
| Q3 24 | $13.9B | $3.1B | ||
| Q2 24 | $13.1B | $3.9B | ||
| Q1 24 | $13.8B | $3.1B |
股东权益CFGH
| Q4 25 | $26.3B | $3.3B | ||
| Q3 25 | $25.8B | $3.5B | ||
| Q2 25 | $25.2B | $3.6B | ||
| Q1 25 | $24.9B | $3.5B | ||
| Q4 24 | $24.3B | $3.5B | ||
| Q3 24 | $24.9B | $3.7B | ||
| Q2 24 | $23.9B | $3.9B | ||
| Q1 24 | $23.8B | $3.7B |
总资产CFGH
| Q4 25 | $226.4B | $14.0B | ||
| Q3 25 | $222.7B | $15.7B | ||
| Q2 25 | $218.3B | $15.9B | ||
| Q1 25 | $220.1B | $14.0B | ||
| Q4 24 | $217.5B | $13.3B | ||
| Q3 24 | $219.7B | $11.9B | ||
| Q2 24 | $219.9B | $12.8B | ||
| Q1 24 | $220.4B | $11.7B |
负债/权益比CFGH
| Q4 25 | 0.43× | — | ||
| Q3 25 | 0.40× | 1.73× | ||
| Q2 25 | 0.50× | 1.69× | ||
| Q1 25 | 0.49× | 1.25× | ||
| Q4 24 | 0.51× | 1.07× | ||
| Q3 24 | 0.56× | 0.85× | ||
| Q2 24 | 0.55× | 1.01× | ||
| Q1 24 | 0.58× | 0.84× |
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 | $313.0M |
| 自由现金流经营现金流 - 资本支出 | — | $236.0M |
| 自由现金流率自由现金流/营收 | — | 13.2% |
| 资本支出强度资本支出/营收 | — | 4.3% |
| 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 | — | $159.0M |
8季度趋势，按日历期对齐
经营现金流CFGH
| Q4 25 | $2.2B | $313.0M | ||
| Q3 25 | $1.7B | $-20.0M | ||
| Q2 25 | $886.0M | $-67.0M | ||
| Q1 25 | $-213.0M | $153.0M | ||
| Q4 24 | $2.0B | $235.0M | ||
| Q3 24 | $130.0M | $-21.0M | ||
| Q2 24 | $834.0M | $177.0M | ||
| Q1 24 | $554.0M | $242.0M |
自由现金流CFGH
| Q4 25 | — | $236.0M | ||
| Q3 25 | — | $-89.0M | ||
| Q2 25 | — | $-111.0M | ||
| Q1 25 | — | $123.0M | ||
| Q4 24 | — | $184.0M | ||
| Q3 24 | — | $-64.0M | ||
| Q2 24 | — | $135.0M | ||
| Q1 24 | — | $208.0M |
自由现金流率CFGH
| Q4 25 | — | 13.2% | ||
| Q3 25 | — | -5.0% | ||
| Q2 25 | — | -6.1% | ||
| Q1 25 | — | 7.2% | ||
| Q4 24 | — | 11.5% | ||
| Q3 24 | — | -3.9% | ||
| Q2 24 | — | 7.9% | ||
| Q1 24 | — | 12.1% |
资本支出强度CFGH
| Q4 25 | — | 4.3% | ||
| Q3 25 | — | 3.9% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 3.2% | ||
| Q3 24 | — | 2.6% | ||
| Q2 24 | — | 2.5% | ||
| Q1 24 | — | 2.0% |
现金转化率CFGH
| Q4 25 | 4.19× | — | ||
| Q3 25 | 3.43× | — | ||
| Q2 25 | 2.03× | — | ||
| Q1 25 | -0.57× | 7.65× | ||
| Q4 24 | 4.99× | — | ||
| Q3 24 | 0.34× | -0.04× | ||
| Q2 24 | 2.13× | 0.49× | ||
| Q1 24 | 1.66× | 0.46× |
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
H
| Other | $627.0M | 35% |
| Rooms Revenue | $326.0M | 18% |
| Net Fees | $290.0M | 16% |
| Distribution Segment | $177.0M | 10% |
| Franchise And Other Fees | $114.0M | 6% |
| Base Management Fees | $112.0M | 6% |
| Incentive Management Fees | $81.0M | 5% |
| Other Owned And Leased Hotel Revenue | $41.0M | 2% |
| Contra Revenue | $17.0M | 1% |
| Other Revenues | $4.0M | 0% |
