vs
Citizens Financial Group（CFG）与KOHLS Corp（KSS）财务数据对比。点击上方公司名可切换其他公司
KOHLS Corp的季度营收约是Citizens Financial Group的1.7倍（$3.6B vs $2.2B），Citizens Financial Group净利率更高（24.5% vs 0.2%，领先24.3%），Citizens Financial Group同比增速更快（8.6% vs -3.6%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs -22.5%）
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。
科尔士（Kohl's）是美国知名连锁百货零售商，目前在全美除夏威夷外的各州共开设1174家门店。品牌由波兰移民麦克斯韦·科尔创立，1927年他在威斯康星州密尔沃基开设了一家街角杂货店，在当地发展为成功的连锁品牌后，1962年公司开设首家百货门店，正式进军百货零售领域。
CFG vs KSS — 直观对比
营收规模更大
KSS
是对方的1.7倍
$2.2B
营收增速更快
CFG
高出12.2%
-3.6%
净利率更高
CFG
高出24.3%
0.2%
两年增速更快
CFG
近两年复合增速
-22.5%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $3.6B |
| 净利润 | $528.0M | $8.0M |
| 毛利率 | — | 42.4% |
| 营业利润率 | 31.4% | 2.0% |
| 净利率 | 24.5% | 0.2% |
| 营收同比 | 8.6% | -3.6% |
| 净利润同比 | 31.7% | -63.6% |
| 每股收益（稀释后） | $1.12 | $0.07 |
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CFGKSS
| Q4 25 | $2.2B | $3.6B | ||
| Q3 25 | $2.1B | $3.5B | ||
| Q2 25 | $2.0B | $3.2B | ||
| Q1 25 | $1.9B | $5.4B | ||
| Q4 24 | $2.0B | $3.7B | ||
| Q3 24 | $1.9B | $3.7B | ||
| Q2 24 | $2.0B | $3.4B | ||
| Q1 24 | $2.0B | $6.0B |
净利润CFGKSS
| Q4 25 | $528.0M | $8.0M | ||
| Q3 25 | $494.0M | $153.0M | ||
| Q2 25 | $436.0M | $-15.0M | ||
| Q1 25 | $373.0M | $48.0M | ||
| Q4 24 | $401.0M | $22.0M | ||
| Q3 24 | $382.0M | $66.0M | ||
| Q2 24 | $392.0M | $-27.0M | ||
| Q1 24 | $334.0M | $186.0M |
毛利率CFGKSS
| Q4 25 | — | 42.4% | ||
| Q3 25 | — | 43.3% | ||
| Q2 25 | — | 43.3% | ||
| Q1 25 | — | 35.6% | ||
| Q4 24 | — | 42.4% | ||
| Q3 24 | — | 43.0% | ||
| Q2 24 | — | 43.1% | ||
| Q1 24 | — | 35.2% |
营业利润率CFGKSS
| Q4 25 | 31.4% | 2.0% | ||
| Q3 25 | 29.7% | 7.9% | ||
| Q2 25 | 27.2% | 1.9% | ||
| Q1 25 | 24.2% | 2.3% | ||
| Q4 24 | 25.6% | 2.6% | ||
| Q3 24 | 24.7% | 4.4% | ||
| Q2 24 | 24.5% | 1.3% | ||
| Q1 24 | 21.9% | 5.0% |
净利率CFGKSS
| Q4 25 | 24.5% | 0.2% | ||
| Q3 25 | 23.3% | 4.3% | ||
| Q2 25 | 21.4% | -0.5% | ||
| Q1 25 | 19.3% | 0.9% | ||
| Q4 24 | 20.2% | 0.6% | ||
| Q3 24 | 20.1% | 1.8% | ||
| Q2 24 | 20.0% | -0.8% | ||
| Q1 24 | 17.0% | 3.1% |
每股收益（稀释后）CFGKSS
| Q4 25 | $1.12 | $0.07 | ||
| Q3 25 | $1.05 | $1.35 | ||
| Q2 25 | $0.92 | $-0.13 | ||
| Q1 25 | $0.77 | $0.43 | ||
| Q4 24 | $0.83 | $0.20 | ||
| Q3 24 | $0.77 | $0.59 | ||
| Q2 24 | $0.78 | $-0.24 | ||
| Q1 24 | $0.65 | $1.67 |
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 | — | $144.0M |
| 总债务越低越好 | $11.2B | — |
| 股东权益账面价值 | $26.3B | $3.9B |
| 总资产 | $226.4B | $14.1B |
| 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CFGKSS
| Q4 25 | — | $144.0M | ||
| Q3 25 | — | $174.0M | ||
| Q2 25 | — | $153.0M | ||
| Q1 25 | — | $134.0M | ||
| Q4 24 | — | $174.0M | ||
| Q3 24 | — | $231.0M | ||
| Q2 24 | — | $228.0M | ||
| Q1 24 | — | $183.0M |
总债务CFGKSS
| 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CFGKSS
| Q4 25 | $26.3B | $3.9B | ||
| Q3 25 | $25.8B | $3.9B | ||
| Q2 25 | $25.2B | $3.8B | ||
| Q1 25 | $24.9B | $3.8B | ||
| Q4 24 | $24.3B | $3.8B | ||
| Q3 24 | $24.9B | $3.8B | ||
| Q2 24 | $23.9B | $3.8B | ||
| Q1 24 | $23.8B | $3.9B |
总资产CFGKSS
| Q4 25 | $226.4B | $14.1B | ||
| Q3 25 | $222.7B | $13.4B | ||
| Q2 25 | $218.3B | $13.6B | ||
| Q1 25 | $220.1B | $13.6B | ||
| Q4 24 | $217.5B | $15.1B | ||
| Q3 24 | $219.7B | $14.2B | ||
| Q2 24 | $219.9B | $14.3B | ||
| Q1 24 | $220.4B | $14.0B |
负债/权益比CFGKSS
| 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 | $124.0M |
| 自由现金流经营现金流 - 资本支出 | — | $16.0M |
| 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 | — | 3.0% |
| 现金转化率经营现金流/净利润 | 4.19× | 15.50× |
| 过去12个月自由现金流最近4个季度 | — | $819.0M |
8季度趋势，按日历期对齐
经营现金流CFGKSS
| Q4 25 | $2.2B | $124.0M | ||
| Q3 25 | $1.7B | $598.0M | ||
| Q2 25 | $886.0M | $-92.0M | ||
| Q1 25 | $-213.0M | $596.0M | ||
| Q4 24 | $2.0B | $-195.0M | ||
| Q3 24 | $130.0M | $254.0M | ||
| Q2 24 | $834.0M | $-7.0M | ||
| Q1 24 | $554.0M | $789.0M |
自由现金流CFGKSS
| Q4 25 | — | $16.0M | ||
| Q3 25 | — | $508.0M | ||
| Q2 25 | — | $-202.0M | ||
| Q1 25 | — | $497.0M | ||
| Q4 24 | — | $-323.0M | ||
| Q3 24 | — | $141.0M | ||
| Q2 24 | — | $-133.0M | ||
| Q1 24 | — | $707.0M |
自由现金流率CFGKSS
| Q4 25 | — | 0.4% | ||
| Q3 25 | — | 14.3% | ||
| Q2 25 | — | -6.2% | ||
| Q1 25 | — | 9.2% | ||
| Q4 24 | — | -8.7% | ||
| Q3 24 | — | 3.8% | ||
| Q2 24 | — | -3.9% | ||
| Q1 24 | — | 11.9% |
资本支出强度CFGKSS
| Q4 25 | — | 3.0% | ||
| Q3 25 | — | 2.5% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | 1.8% | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | 3.0% | ||
| Q2 24 | — | 3.7% | ||
| Q1 24 | — | 1.4% |
现金转化率CFGKSS
| Q4 25 | 4.19× | 15.50× | ||
| Q3 25 | 3.43× | 3.91× | ||
| Q2 25 | 2.03× | — | ||
| Q1 25 | -0.57× | 12.42× | ||
| Q4 24 | 4.99× | -8.86× | ||
| Q3 24 | 0.34× | 3.85× | ||
| Q2 24 | 2.13× | — | ||
| Q1 24 | 1.66× | 4.24× |
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
KSS
| Products | $3.4B | 95% |
| Other | $168.0M | 5% |
| Gift Card | $17.0M | 0% |
