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Citizens Financial Group（CFG）与微芯科技（MCHP）财务数据对比。点击上方公司名可切换其他公司
Citizens Financial Group的季度营收约是微芯科技的1.8倍（$2.2B vs $1.2B），Citizens Financial Group净利率更高（24.5% vs 5.3%，领先19.2%），微芯科技同比增速更快（15.6% vs 8.6%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs -5.4%）
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。
微芯科技（Microchip Technology）是美国知名上市半导体企业，主营微控制器、混合信号芯片、模拟芯片及闪存知识产权（Flash-IP）相关集成电路的研发、生产与销售，产品覆盖工业控制、汽车电子、消费电子、物联网等众多领域，在全球半导体细分市场拥有领先地位。
CFG vs MCHP — 直观对比
营收规模更大
CFG
是对方的1.8倍
$1.2B
营收增速更快
MCHP
高出7.0%
8.6%
净利率更高
CFG
高出19.2%
5.3%
两年增速更快
CFG
近两年复合增速
-5.4%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.2B |
| 净利润 | $528.0M | $62.7M |
| 毛利率 | — | 59.6% |
| 营业利润率 | 31.4% | 12.8% |
| 净利率 | 24.5% | 5.3% |
| 营收同比 | 8.6% | 15.6% |
| 净利润同比 | 31.7% | 217.0% |
| 每股收益（稀释后） | $1.12 | $0.06 |
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CFGMCHP
| Q4 25 | $2.2B | $1.2B | ||
| Q3 25 | $2.1B | $1.1B | ||
| Q2 25 | $2.0B | $1.1B | ||
| Q1 25 | $1.9B | $970.5M | ||
| Q4 24 | $2.0B | $1.0B | ||
| Q3 24 | $1.9B | $1.2B | ||
| Q2 24 | $2.0B | $1.2B | ||
| Q1 24 | $2.0B | $1.3B |
净利润CFGMCHP
| Q4 25 | $528.0M | $62.7M | ||
| Q3 25 | $494.0M | $41.7M | ||
| Q2 25 | $436.0M | $-18.6M | ||
| Q1 25 | $373.0M | $-154.6M | ||
| Q4 24 | $401.0M | $-53.6M | ||
| Q3 24 | $382.0M | $78.4M | ||
| Q2 24 | $392.0M | $129.3M | ||
| Q1 24 | $334.0M | $154.7M |
毛利率CFGMCHP
| Q4 25 | — | 59.6% | ||
| Q3 25 | — | 55.9% | ||
| Q2 25 | — | 53.6% | ||
| Q1 25 | — | 51.6% | ||
| Q4 24 | — | 54.7% | ||
| Q3 24 | — | 57.4% | ||
| Q2 24 | — | 59.4% | ||
| Q1 24 | — | 59.6% |
营业利润率CFGMCHP
| Q4 25 | 31.4% | 12.8% | ||
| Q3 25 | 29.7% | 7.8% | ||
| Q2 25 | 27.2% | 3.0% | ||
| Q1 25 | 24.2% | -10.3% | ||
| Q4 24 | 25.6% | 3.0% | ||
| Q3 24 | 24.7% | 12.6% | ||
| Q2 24 | 24.5% | 17.7% | ||
| Q1 24 | 21.9% | 19.1% |
净利率CFGMCHP
| Q4 25 | 24.5% | 5.3% | ||
| Q3 25 | 23.3% | 3.7% | ||
| Q2 25 | 21.4% | -1.7% | ||
| Q1 25 | 19.3% | -15.9% | ||
| Q4 24 | 20.2% | -5.2% | ||
| Q3 24 | 20.1% | 6.7% | ||
| Q2 24 | 20.0% | 10.4% | ||
| Q1 24 | 17.0% | 11.7% |
每股收益（稀释后）CFGMCHP
| Q4 25 | $1.12 | $0.06 | ||
| Q3 25 | $1.05 | $0.03 | ||
| Q2 25 | $0.92 | $-0.09 | ||
| Q1 25 | $0.77 | $-0.29 | ||
| Q4 24 | $0.83 | $-0.10 | ||
| Q3 24 | $0.77 | $0.14 | ||
| Q2 24 | $0.78 | $0.24 | ||
| Q1 24 | $0.65 | $0.29 |
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 | — | $250.7M |
| 总债务越低越好 | $11.2B | $5.4B |
| 股东权益账面价值 | $26.3B | $6.6B |
| 总资产 | $226.4B | $14.3B |
| 负债/权益比越低杠杆越低 | 0.43× | 0.82× |
8季度趋势，按日历期对齐
现金及短期投资CFGMCHP
| Q4 25 | — | $250.7M | ||
| Q3 25 | — | $236.8M | ||
| Q2 25 | — | $566.5M | ||
| Q1 25 | — | $771.7M | ||
| Q4 24 | — | $586.0M | ||
| Q3 24 | — | $286.1M | ||
| Q2 24 | — | $315.1M | ||
| Q1 24 | — | $319.7M |
总债务CFGMCHP
| Q4 25 | $11.2B | $5.4B | ||
| Q3 25 | $10.4B | $5.4B | ||
| Q2 25 | $12.5B | $5.5B | ||
| Q1 25 | $12.3B | $5.6B | ||
| Q4 24 | $12.4B | $6.7B | ||
| Q3 24 | $13.9B | $6.4B | ||
| Q2 24 | $13.1B | $6.2B | ||
| Q1 24 | $13.8B | $6.0B |
股东权益CFGMCHP
| Q4 25 | $26.3B | $6.6B | ||
| Q3 25 | $25.8B | $6.7B | ||
| Q2 25 | $25.2B | $6.9B | ||
| Q1 25 | $24.9B | $7.1B | ||
| Q4 24 | $24.3B | $6.0B | ||
| Q3 24 | $24.9B | $6.3B | ||
| Q2 24 | $23.9B | $6.4B | ||
| Q1 24 | $23.8B | $6.7B |
总资产CFGMCHP
| Q4 25 | $226.4B | $14.3B | ||
| Q3 25 | $222.7B | $14.5B | ||
| Q2 25 | $218.3B | $15.0B | ||
| Q1 25 | $220.1B | $15.4B | ||
| Q4 24 | $217.5B | $15.6B | ||
| Q3 24 | $219.7B | $15.6B | ||
| Q2 24 | $219.9B | $15.8B | ||
| Q1 24 | $220.4B | $15.9B |
负债/权益比CFGMCHP
| Q4 25 | 0.43× | 0.82× | ||
| Q3 25 | 0.40× | 0.80× | ||
| Q2 25 | 0.50× | 0.80× | ||
| Q1 25 | 0.49× | 0.80× | ||
| Q4 24 | 0.51× | 1.12× | ||
| Q3 24 | 0.56× | 1.02× | ||
| Q2 24 | 0.55× | 0.96× | ||
| Q1 24 | 0.58× | 0.90× |
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 | $341.4M |
| 自由现金流经营现金流 - 资本支出 | — | $318.9M |
| 自由现金流率自由现金流/营收 | — | 26.9% |
| 资本支出强度资本支出/营收 | — | 1.9% |
| 现金转化率经营现金流/净利润 | 4.19× | 5.44× |
| 过去12个月自由现金流最近4个季度 | — | $819.9M |
8季度趋势，按日历期对齐
经营现金流CFGMCHP
| Q4 25 | $2.2B | $341.4M | ||
| Q3 25 | $1.7B | $88.1M | ||
| Q2 25 | $886.0M | $275.6M | ||
| Q1 25 | $-213.0M | $205.9M | ||
| Q4 24 | $2.0B | $271.5M | ||
| Q3 24 | $130.0M | $43.6M | ||
| Q2 24 | $834.0M | $377.1M | ||
| Q1 24 | $554.0M | $430.0M |
自由现金流CFGMCHP
| Q4 25 | — | $318.9M | ||
| Q3 25 | — | $51.6M | ||
| Q2 25 | — | $257.7M | ||
| Q1 25 | — | $191.7M | ||
| Q4 24 | — | $253.4M | ||
| Q3 24 | — | $22.8M | ||
| Q2 24 | — | $304.2M | ||
| Q1 24 | — | $389.9M |
自由现金流率CFGMCHP
| Q4 25 | — | 26.9% | ||
| Q3 25 | — | 4.5% | ||
| Q2 25 | — | 24.0% | ||
| Q1 25 | — | 19.8% | ||
| Q4 24 | — | 24.7% | ||
| Q3 24 | — | 2.0% | ||
| Q2 24 | — | 24.5% | ||
| Q1 24 | — | 29.4% |
资本支出强度CFGMCHP
| Q4 25 | — | 1.9% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | 1.7% | ||
| Q1 25 | — | 1.5% | ||
| Q4 24 | — | 1.8% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 5.9% | ||
| Q1 24 | — | 3.0% |
现金转化率CFGMCHP
| Q4 25 | 4.19× | 5.44× | ||
| Q3 25 | 3.43× | 2.11× | ||
| Q2 25 | 2.03× | — | ||
| Q1 25 | -0.57× | — | ||
| Q4 24 | 4.99× | — | ||
| Q3 24 | 0.34× | 0.56× | ||
| Q2 24 | 2.13× | 2.92× | ||
| Q1 24 | 1.66× | 2.78× |
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
MCHP
| Mixed Signal Microcontrollers | $586.5M | 49% |
| Analog | $322.9M | 27% |
| Other Product Line | $276.6M | 23% |
