vs
Citizens Financial Group（CFG）与好时（HSY）财务数据对比。点击上方公司名可切换其他公司
好时的季度营收约是Citizens Financial Group的1.4倍（$3.1B vs $2.2B），Citizens Financial Group净利率更高（24.5% vs 10.4%，领先14.1%），Citizens Financial Group同比增速更快（8.6% vs 7.0%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs -2.5%）
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。
好时公司是总部位于美国宾夕法尼亚州好时镇的跨国糖果企业，也是全球最大的巧克力生产商之一，由米尔顿·S·好时于1894年创立。公司除核心巧克力产品外，还生产饼干、蛋糕等烘焙食品，同时销售奶昔等多类饮品，产品覆盖多个食品品类。
CFG vs HSY — 直观对比
营收规模更大
HSY
是对方的1.4倍
$2.2B
营收增速更快
CFG
高出1.6%
7.0%
净利率更高
CFG
高出14.1%
10.4%
两年增速更快
CFG
近两年复合增速
-2.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $3.1B |
| 净利润 | $528.0M | $320.0M |
| 毛利率 | — | 37.0% |
| 营业利润率 | 31.4% | 14.4% |
| 净利率 | 24.5% | 10.4% |
| 营收同比 | 8.6% | 7.0% |
| 净利润同比 | 31.7% | -59.8% |
| 每股收益（稀释后） | $1.12 | — |
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CFGHSY
| Q4 25 | $2.2B | $3.1B | ||
| Q3 25 | $2.1B | $3.2B | ||
| Q2 25 | $2.0B | $2.6B | ||
| Q1 25 | $1.9B | $2.8B | ||
| Q4 24 | $2.0B | $2.9B | ||
| Q3 24 | $1.9B | $3.0B | ||
| Q2 24 | $2.0B | $2.1B | ||
| Q1 24 | $2.0B | $3.3B |
净利润CFGHSY
| Q4 25 | $528.0M | $320.0M | ||
| Q3 25 | $494.0M | $276.3M | ||
| Q2 25 | $436.0M | $62.7M | ||
| Q1 25 | $373.0M | $224.2M | ||
| Q4 24 | $401.0M | $796.6M | ||
| Q3 24 | $382.0M | $446.3M | ||
| Q2 24 | $392.0M | $180.9M | ||
| Q1 24 | $334.0M | $797.5M |
毛利率CFGHSY
| Q4 25 | — | 37.0% | ||
| Q3 25 | — | 32.6% | ||
| Q2 25 | — | 30.5% | ||
| Q1 25 | — | 33.7% | ||
| Q4 24 | — | 54.0% | ||
| Q3 24 | — | 41.3% | ||
| Q2 24 | — | 40.2% | ||
| Q1 24 | — | 51.5% |
营业利润率CFGHSY
| Q4 25 | 31.4% | 14.4% | ||
| Q3 25 | 29.7% | 13.7% | ||
| Q2 25 | 27.2% | 7.4% | ||
| Q1 25 | 24.2% | 13.2% | ||
| Q4 24 | 25.6% | 32.5% | ||
| Q3 24 | 24.7% | 20.5% | ||
| Q2 24 | 24.5% | 13.9% | ||
| Q1 24 | 21.9% | 32.5% |
净利率CFGHSY
| Q4 25 | 24.5% | 10.4% | ||
| Q3 25 | 23.3% | 8.7% | ||
| Q2 25 | 21.4% | 2.4% | ||
| Q1 25 | 19.3% | 8.0% | ||
| Q4 24 | 20.2% | 27.6% | ||
| Q3 24 | 20.1% | 14.9% | ||
| Q2 24 | 20.0% | 8.7% | ||
| Q1 24 | 17.0% | 24.5% |
每股收益（稀释后）CFGHSY
| Q4 25 | $1.12 | — | ||
| Q3 25 | $1.05 | — | ||
| Q2 25 | $0.92 | — | ||
| Q1 25 | $0.77 | — | ||
| Q4 24 | $0.83 | — | ||
| Q3 24 | $0.77 | — | ||
| Q2 24 | $0.78 | — | ||
| Q1 24 | $0.65 | — |
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 | $4.7B |
| 股东权益账面价值 | $26.3B | $4.6B |
| 总资产 | $226.4B | $13.7B |
| 负债/权益比越低杠杆越低 | 0.43× | 1.01× |
8季度趋势，按日历期对齐
总债务CFGHSY
| Q4 25 | $11.2B | $4.7B | ||
| Q3 25 | $10.4B | $4.7B | ||
| Q2 25 | $12.5B | $5.2B | ||
| Q1 25 | $12.3B | $5.2B | ||
| Q4 24 | $12.4B | $3.2B | ||
| Q3 24 | $13.9B | $3.2B | ||
| Q2 24 | $13.1B | $3.5B | ||
| Q1 24 | $13.8B | $3.8B |
股东权益CFGHSY
| Q4 25 | $26.3B | $4.6B | ||
| Q3 25 | $25.8B | $4.6B | ||
| Q2 25 | $25.2B | $4.5B | ||
| Q1 25 | $24.9B | $4.7B | ||
| Q4 24 | $24.3B | $4.7B | ||
| Q3 24 | $24.9B | $4.2B | ||
| Q2 24 | $23.9B | $4.0B | ||
| Q1 24 | $23.8B | $4.1B |
总资产CFGHSY
| Q4 25 | $226.4B | $13.7B | ||
| Q3 25 | $222.7B | $13.6B | ||
| Q2 25 | $218.3B | $13.6B | ||
| Q1 25 | $220.1B | $14.0B | ||
| Q4 24 | $217.5B | $12.9B | ||
| Q3 24 | $219.7B | $12.6B | ||
| Q2 24 | $219.9B | $12.4B | ||
| Q1 24 | $220.4B | $12.4B |
负债/权益比CFGHSY
| Q4 25 | 0.43× | 1.01× | ||
| Q3 25 | 0.40× | 1.02× | ||
| Q2 25 | 0.50× | 1.15× | ||
| Q1 25 | 0.49× | 1.11× | ||
| Q4 24 | 0.51× | 0.68× | ||
| Q3 24 | 0.56× | 0.76× | ||
| Q2 24 | 0.55× | 0.87× | ||
| Q1 24 | 0.58× | 0.92× |
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 | $926.6M |
| 自由现金流经营现金流 - 资本支出 | — | $788.5M |
| 自由现金流率自由现金流/营收 | — | 25.5% |
| 资本支出强度资本支出/营收 | — | 4.5% |
| 现金转化率经营现金流/净利润 | 4.19× | 2.90× |
| 过去12个月自由现金流最近4个季度 | — | $1.8B |
8季度趋势，按日历期对齐
经营现金流CFGHSY
| Q4 25 | $2.2B | $926.6M | ||
| Q3 25 | $1.7B | $841.9M | ||
| Q2 25 | $886.0M | $112.2M | ||
| Q1 25 | $-213.0M | $396.7M | ||
| Q4 24 | $2.0B | $941.6M | ||
| Q3 24 | $130.0M | $695.3M | ||
| Q2 24 | $834.0M | $325.6M | ||
| Q1 24 | $554.0M | $569.1M |
自由现金流CFGHSY
| Q4 25 | — | $788.5M | ||
| Q3 25 | — | $756.0M | ||
| Q2 25 | — | $27.1M | ||
| Q1 25 | — | $251.2M | ||
| Q4 24 | — | $807.1M | ||
| Q3 24 | — | $567.3M | ||
| Q2 24 | — | $195.5M | ||
| Q1 24 | — | $355.8M |
自由现金流率CFGHSY
| Q4 25 | — | 25.5% | ||
| Q3 25 | — | 23.8% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 9.0% | ||
| Q4 24 | — | 28.0% | ||
| Q3 24 | — | 19.0% | ||
| Q2 24 | — | 9.4% | ||
| Q1 24 | — | 10.9% |
资本支出强度CFGHSY
| Q4 25 | — | 4.5% | ||
| Q3 25 | — | 2.7% | ||
| Q2 25 | — | 3.3% | ||
| Q1 25 | — | 5.2% | ||
| Q4 24 | — | 4.7% | ||
| Q3 24 | — | 4.3% | ||
| Q2 24 | — | 6.3% | ||
| Q1 24 | — | 6.6% |
现金转化率CFGHSY
| Q4 25 | 4.19× | 2.90× | ||
| Q3 25 | 3.43× | 3.05× | ||
| Q2 25 | 2.03× | 1.79× | ||
| Q1 25 | -0.57× | 1.77× | ||
| Q4 24 | 4.99× | 1.18× | ||
| Q3 24 | 0.34× | 1.56× | ||
| Q2 24 | 2.13× | 1.80× | ||
| Q1 24 | 1.66× | 0.71× |
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
HSY
| Other | $1.8B | 59% |
| North America Salty Snacks Segment | $1.3B | 41% |
