vs
Citizens Financial Group（CFG）与Masco（MAS）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Masco的1.1倍（$2.2B vs $1.9B），Citizens Financial Group净利率更高（24.5% vs 11.9%，领先12.6%），Citizens Financial Group同比增速更快（8.6% vs 6.5%），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。
美国家居建材企业Masco主营家装及新建住宅市场相关产品，旗下拥有20余家子公司，在全球运营近80座生产工厂，其中美国本土近60座，海外地区超20座。公司1969年于纽交所挂牌上市，后实现快速增长，成功跻身美国财富500强榜单。
CFG vs MAS — 直观对比
营收规模更大
CFG
是对方的1.1倍
$1.9B
营收增速更快
CFG
高出2.1%
6.5%
净利率更高
CFG
高出12.6%
11.9%
两年增速更快
CFG
近两年复合增速
-4.2%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.9B |
| 净利润 | $528.0M | $228.0M |
| 毛利率 | — | 35.8% |
| 营业利润率 | 31.4% | 16.5% |
| 净利率 | 24.5% | 11.9% |
| 营收同比 | 8.6% | 6.5% |
| 净利润同比 | 31.7% | 14.5% |
| 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CFGMAS
| Q1 26 | — | $1.9B | ||
| Q4 25 | $2.2B | $1.8B | ||
| Q3 25 | $2.1B | $1.9B | ||
| Q2 25 | $2.0B | $2.1B | ||
| Q1 25 | $1.9B | $1.8B | ||
| Q4 24 | $2.0B | $1.8B | ||
| Q3 24 | $1.9B | $2.0B | ||
| Q2 24 | $2.0B | $2.1B |
净利润CFGMAS
| Q1 26 | — | $228.0M | ||
| Q4 25 | $528.0M | $165.0M | ||
| Q3 25 | $494.0M | $189.0M | ||
| Q2 25 | $436.0M | $270.0M | ||
| Q1 25 | $373.0M | $186.0M | ||
| Q4 24 | $401.0M | $182.0M | ||
| Q3 24 | $382.0M | $167.0M | ||
| Q2 24 | $392.0M | $258.0M |
毛利率CFGMAS
| Q1 26 | — | 35.8% | ||
| Q4 25 | — | 33.9% | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | 37.6% | ||
| Q1 25 | — | 35.8% | ||
| Q4 24 | — | 34.8% | ||
| Q3 24 | — | 36.6% | ||
| Q2 24 | — | 37.5% |
营业利润率CFGMAS
| Q1 26 | — | 16.5% | ||
| Q4 25 | 31.4% | 13.8% | ||
| Q3 25 | 29.7% | 15.8% | ||
| Q2 25 | 27.2% | 20.1% | ||
| Q1 25 | 24.2% | 15.9% | ||
| Q4 24 | 25.6% | 15.9% | ||
| Q3 24 | 24.7% | 18.0% | ||
| Q2 24 | 24.5% | 19.0% |
净利率CFGMAS
| Q1 26 | — | 11.9% | ||
| Q4 25 | 24.5% | 9.2% | ||
| Q3 25 | 23.3% | 9.9% | ||
| Q2 25 | 21.4% | 13.2% | ||
| Q1 25 | 19.3% | 10.3% | ||
| Q4 24 | 20.2% | 10.0% | ||
| Q3 24 | 20.1% | 8.4% | ||
| Q2 24 | 20.0% | 12.3% |
每股收益（稀释后）CFGMAS
| Q1 26 | — | — | ||
| Q4 25 | $1.12 | $0.81 | ||
| Q3 25 | $1.05 | $0.90 | ||
| Q2 25 | $0.92 | $1.28 | ||
| Q1 25 | $0.77 | $0.87 | ||
| Q4 24 | $0.83 | $0.85 | ||
| Q3 24 | $0.77 | $0.77 | ||
| Q2 24 | $0.78 | $1.17 |
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 | $2.9B |
| 股东权益账面价值 | $26.3B | $27.0M |
| 总资产 | $226.4B | $5.2B |
| 负债/权益比越低杠杆越低 | 0.43× | 109.07× |
8季度趋势，按日历期对齐
现金及短期投资CFGMAS
| Q1 26 | — | — | ||
| Q4 25 | — | $647.0M | ||
| Q3 25 | — | $559.0M | ||
| Q2 25 | — | $390.0M | ||
| Q1 25 | — | $377.0M | ||
| Q4 24 | — | $634.0M | ||
| Q3 24 | — | $646.0M | ||
| Q2 24 | — | $398.0M |
总债务CFGMAS
| Q1 26 | — | $2.9B | ||
| Q4 25 | $11.2B | $2.9B | ||
| Q3 25 | $10.4B | — | ||
| Q2 25 | $12.5B | — | ||
| Q1 25 | $12.3B | — | ||
| Q4 24 | $12.4B | $2.9B | ||
| Q3 24 | $13.9B | — | ||
| Q2 24 | $13.1B | — |
股东权益CFGMAS
| Q1 26 | — | $27.0M | ||
| Q4 25 | $26.3B | $-185.0M | ||
| Q3 25 | $25.8B | $-78.0M | ||
| Q2 25 | $25.2B | $-84.0M | ||
| Q1 25 | $24.9B | $-254.0M | ||
| Q4 24 | $24.3B | $-279.0M | ||
| Q3 24 | $24.9B | $-88.0M | ||
| Q2 24 | $23.9B | $-26.0M |
总资产CFGMAS
| Q1 26 | — | $5.2B | ||
| Q4 25 | $226.4B | $5.2B | ||
| Q3 25 | $222.7B | $5.3B | ||
| Q2 25 | $218.3B | $5.3B | ||
| Q1 25 | $220.1B | $5.1B | ||
| Q4 24 | $217.5B | $5.0B | ||
| Q3 24 | $219.7B | $5.3B | ||
| Q2 24 | $219.9B | $5.4B |
负债/权益比CFGMAS
| Q1 26 | — | 109.07× | ||
| 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× | — |
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 | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | 1.8% |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流CFGMAS
| Q1 26 | — | — | ||
| Q4 25 | $2.2B | $418.0M | ||
| Q3 25 | $1.7B | $456.0M | ||
| Q2 25 | $886.0M | $306.0M | ||
| Q1 25 | $-213.0M | $-158.0M | ||
| Q4 24 | $2.0B | $407.0M | ||
| Q3 24 | $130.0M | $416.0M | ||
| Q2 24 | $834.0M | $346.0M |
自由现金流CFGMAS
| Q1 26 | — | — | ||
| Q4 25 | — | $371.0M | ||
| Q3 25 | — | $415.0M | ||
| Q2 25 | — | $270.0M | ||
| Q1 25 | — | $-190.0M | ||
| Q4 24 | — | $351.0M | ||
| Q3 24 | — | $378.0M | ||
| Q2 24 | — | $303.0M |
自由现金流率CFGMAS
| Q1 26 | — | — | ||
| Q4 25 | — | 20.7% | ||
| Q3 25 | — | 21.6% | ||
| Q2 25 | — | 13.2% | ||
| Q1 25 | — | -10.5% | ||
| Q4 24 | — | 19.2% | ||
| Q3 24 | — | 19.1% | ||
| Q2 24 | — | 14.5% |
资本支出强度CFGMAS
| Q1 26 | — | 1.8% | ||
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 2.1% | ||
| Q2 25 | — | 1.8% | ||
| Q1 25 | — | 1.8% | ||
| Q4 24 | — | 3.1% | ||
| Q3 24 | — | 1.9% | ||
| Q2 24 | — | 2.1% |
现金转化率CFGMAS
| Q1 26 | — | — | ||
| Q4 25 | 4.19× | 2.53× | ||
| Q3 25 | 3.43× | 2.41× | ||
| Q2 25 | 2.03× | 1.13× | ||
| Q1 25 | -0.57× | -0.85× | ||
| Q4 24 | 4.99× | 2.24× | ||
| Q3 24 | 0.34× | 2.49× | ||
| Q2 24 | 2.13× | 1.34× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
