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Citizens Financial Group（CFG）与荷美尔食品（HRL）财务数据对比。点击上方公司名可切换其他公司
荷美尔食品的季度营收约是Citizens Financial Group的1.5倍（$3.2B vs $2.2B），Citizens Financial Group净利率更高（24.5% vs -1.8%，领先26.2%），Citizens Financial Group同比增速更快（8.6% vs 1.5%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs 3.1%）
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。
荷美尔食品是1891年于美国明尼苏达州奥斯汀成立的跨国食品加工企业，由乔治·A·荷美尔创立。品牌最初主营火腿、香肠等各类畜肉产品的包装与销售，1937年推出斯帕姆午餐肉，上世纪80年代起逐步拓展多元化包装及冷藏食品产品线。
CFG vs HRL — 直观对比
营收规模更大
HRL
是对方的1.5倍
$2.2B
营收增速更快
CFG
高出7.1%
1.5%
净利率更高
CFG
高出26.2%
-1.8%
两年增速更快
CFG
近两年复合增速
3.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $3.2B |
| 净利润 | $528.0M | $-56.1M |
| 毛利率 | — | 14.0% |
| 营业利润率 | 31.4% | 0.1% |
| 净利率 | 24.5% | -1.8% |
| 营收同比 | 8.6% | 1.5% |
| 净利润同比 | 31.7% | -125.5% |
| 每股收益（稀释后） | $1.12 | $-0.10 |
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CFGHRL
| Q4 25 | $2.2B | $3.2B | ||
| Q3 25 | $2.1B | $3.0B | ||
| Q2 25 | $2.0B | $2.9B | ||
| Q1 25 | $1.9B | $3.0B | ||
| Q4 24 | $2.0B | $3.1B | ||
| Q3 24 | $1.9B | $2.9B | ||
| Q2 24 | $2.0B | $2.9B | ||
| Q1 24 | $2.0B | $3.0B |
净利润CFGHRL
| Q4 25 | $528.0M | $-56.1M | ||
| Q3 25 | $494.0M | $183.7M | ||
| Q2 25 | $436.0M | $180.0M | ||
| Q1 25 | $373.0M | $170.6M | ||
| Q4 24 | $401.0M | $220.2M | ||
| Q3 24 | $382.0M | $176.7M | ||
| Q2 24 | $392.0M | $189.3M | ||
| Q1 24 | $334.0M | $218.9M |
毛利率CFGHRL
| Q4 25 | — | 14.0% | ||
| Q3 25 | — | 16.1% | ||
| Q2 25 | — | 16.7% | ||
| Q1 25 | — | 15.9% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 16.8% | ||
| Q2 24 | — | 17.4% | ||
| Q1 24 | — | 17.0% |
营业利润率CFGHRL
| Q4 25 | 31.4% | 0.1% | ||
| Q3 25 | 29.7% | 7.9% | ||
| Q2 25 | 27.2% | 8.6% | ||
| Q1 25 | 24.2% | 7.6% | ||
| Q4 24 | 25.6% | 9.4% | ||
| Q3 24 | 24.7% | 8.2% | ||
| Q2 24 | 24.5% | 8.7% | ||
| Q1 24 | 21.9% | 9.5% |
净利率CFGHRL
| Q4 25 | 24.5% | -1.8% | ||
| Q3 25 | 23.3% | 6.1% | ||
| Q2 25 | 21.4% | 6.2% | ||
| Q1 25 | 19.3% | 5.7% | ||
| Q4 24 | 20.2% | 7.0% | ||
| Q3 24 | 20.1% | 6.1% | ||
| Q2 24 | 20.0% | 6.6% | ||
| Q1 24 | 17.0% | 7.3% |
每股收益（稀释后）CFGHRL
| Q4 25 | $1.12 | $-0.10 | ||
| Q3 25 | $1.05 | $0.33 | ||
| Q2 25 | $0.92 | $0.33 | ||
| Q1 25 | $0.77 | $0.31 | ||
| Q4 24 | $0.83 | $0.41 | ||
| Q3 24 | $0.77 | $0.32 | ||
| Q2 24 | $0.78 | $0.34 | ||
| Q1 24 | $0.65 | $0.40 |
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 | — | $703.6M |
| 总债务越低越好 | $11.2B | $2.9B |
| 股东权益账面价值 | $26.3B | $7.9B |
| 总资产 | $226.4B | $13.4B |
| 负债/权益比越低杠杆越低 | 0.43× | 0.36× |
8季度趋势，按日历期对齐
现金及短期投资CFGHRL
| Q4 25 | — | $703.6M | ||
| Q3 25 | — | $630.7M | ||
| Q2 25 | — | $699.0M | ||
| Q1 25 | — | $866.4M | ||
| Q4 24 | — | $766.6M | ||
| Q3 24 | — | $561.9M | ||
| Q2 24 | — | $1.5B | ||
| Q1 24 | — | $981.9M |
总债务CFGHRL
| Q4 25 | $11.2B | $2.9B | ||
| Q3 25 | $10.4B | $2.9B | ||
| Q2 25 | $12.5B | $2.9B | ||
| Q1 25 | $12.3B | $2.9B | ||
| Q4 24 | $12.4B | $2.9B | ||
| Q3 24 | $13.9B | $2.9B | ||
| Q2 24 | $13.1B | $2.9B | ||
| Q1 24 | $13.8B | $2.4B |
股东权益CFGHRL
| Q4 25 | $26.3B | $7.9B | ||
| Q3 25 | $25.8B | $8.1B | ||
| Q2 25 | $25.2B | $8.0B | ||
| Q1 25 | $24.9B | $8.0B | ||
| Q4 24 | $24.3B | $8.0B | ||
| Q3 24 | $24.9B | $7.9B | ||
| Q2 24 | $23.9B | $7.9B | ||
| Q1 24 | $23.8B | $7.8B |
总资产CFGHRL
| Q4 25 | $226.4B | $13.4B | ||
| Q3 25 | $222.7B | $13.5B | ||
| Q2 25 | $218.3B | $13.4B | ||
| Q1 25 | $220.1B | $13.4B | ||
| Q4 24 | $217.5B | $13.4B | ||
| Q3 24 | $219.7B | $13.1B | ||
| Q2 24 | $219.9B | $14.1B | ||
| Q1 24 | $220.4B | $13.5B |
负债/权益比CFGHRL
| Q4 25 | 0.43× | 0.36× | ||
| Q3 25 | 0.40× | 0.35× | ||
| Q2 25 | 0.50× | 0.35× | ||
| Q1 25 | 0.49× | 0.36× | ||
| Q4 24 | 0.51× | 0.36× | ||
| Q3 24 | 0.56× | 0.36× | ||
| Q2 24 | 0.55× | 0.36× | ||
| Q1 24 | 0.58× | 0.30× |
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 | $322.9M |
| 自由现金流经营现金流 - 资本支出 | — | $231.4M |
| 自由现金流率自由现金流/营收 | — | 7.3% |
| 资本支出强度资本支出/营收 | — | 2.9% |
| 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 | — | $534.3M |
8季度趋势，按日历期对齐
经营现金流CFGHRL
| Q4 25 | $2.2B | $322.9M | ||
| Q3 25 | $1.7B | $156.7M | ||
| Q2 25 | $886.0M | $56.4M | ||
| Q1 25 | $-213.0M | $309.2M | ||
| Q4 24 | $2.0B | $408.6M | ||
| Q3 24 | $130.0M | $218.0M | ||
| Q2 24 | $834.0M | $236.1M | ||
| Q1 24 | $554.0M | $404.0M |
自由现金流CFGHRL
| Q4 25 | — | $231.4M | ||
| Q3 25 | — | $84.5M | ||
| Q2 25 | — | $-18.6M | ||
| Q1 25 | — | $237.0M | ||
| Q4 24 | — | $324.8M | ||
| Q3 24 | — | $152.5M | ||
| Q2 24 | — | $176.2M | ||
| Q1 24 | — | $356.8M |
自由现金流率CFGHRL
| Q4 25 | — | 7.3% | ||
| Q3 25 | — | 2.8% | ||
| Q2 25 | — | -0.6% | ||
| Q1 25 | — | 7.9% | ||
| Q4 24 | — | 10.4% | ||
| Q3 24 | — | 5.3% | ||
| Q2 24 | — | 6.1% | ||
| Q1 24 | — | 11.9% |
资本支出强度CFGHRL
| Q4 25 | — | 2.9% | ||
| Q3 25 | — | 2.4% | ||
| Q2 25 | — | 2.6% | ||
| Q1 25 | — | 2.4% | ||
| Q4 24 | — | 2.7% | ||
| Q3 24 | — | 2.3% | ||
| Q2 24 | — | 2.1% | ||
| Q1 24 | — | 1.6% |
现金转化率CFGHRL
| Q4 25 | 4.19× | — | ||
| Q3 25 | 3.43× | 0.85× | ||
| Q2 25 | 2.03× | 0.31× | ||
| Q1 25 | -0.57× | 1.81× | ||
| Q4 24 | 4.99× | 1.86× | ||
| Q3 24 | 0.34× | 1.23× | ||
| Q2 24 | 2.13× | 1.25× | ||
| Q1 24 | 1.66× | 1.85× |
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
HRL
| Retail Segment | $1.9B | 60% |
| Foodservice Segment | $1.1B | 34% |
| Other | $174.7M | 5% |
