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Citizens Financial Group（CFG）与美盛公司（MOS）财务数据对比。点击上方公司名可切换其他公司
美盛公司的季度营收约是Citizens Financial Group的1.4倍（$3.0B vs $2.2B），Citizens Financial Group净利率更高（23.8% vs -17.5%，领先41.3%），Citizens Financial Group同比增速更快（12.0% vs 5.6%），过去两年美盛公司的营收复合增速更高（5.3% vs 5.1%）
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。
美盛公司（The Mosaic Company）是总部位于美国佛罗里达州坦帕的化工企业，主营磷矿、钾矿开采及尿素采集，依托多元国际分销网络和旗下肥料业务板块生产销售农用肥料，是美国规模最大的钾肥、磷肥生产商。
CFG vs MOS — 直观对比
营收规模更大
MOS
是对方的1.4倍
$2.2B
营收增速更快
CFG
高出6.4%
5.6%
净利率更高
CFG
高出41.3%
-17.5%
两年增速更快
MOS
近两年复合增速
5.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $3.0B |
| 净利润 | $517.0M | $-519.5M |
| 毛利率 | — | 11.5% |
| 营业利润率 | — | -3.4% |
| 净利率 | 23.8% | -17.5% |
| 营收同比 | 12.0% | 5.6% |
| 净利润同比 | 38.6% | -407.4% |
| 每股收益（稀释后） | $1.13 | $-1.63 |
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CFGMOS
| Q1 26 | $2.2B | — | ||
| Q4 25 | $2.2B | $3.0B | ||
| Q3 25 | $2.1B | $3.5B | ||
| Q2 25 | $2.0B | $3.0B | ||
| Q1 25 | $1.9B | $2.6B | ||
| Q4 24 | $2.0B | $2.8B | ||
| Q3 24 | $1.9B | $2.8B | ||
| Q2 24 | $2.0B | $2.8B |
净利润CFGMOS
| Q1 26 | $517.0M | — | ||
| Q4 25 | $528.0M | $-519.5M | ||
| Q3 25 | $494.0M | $411.4M | ||
| Q2 25 | $436.0M | $410.7M | ||
| Q1 25 | $373.0M | $238.1M | ||
| Q4 24 | $401.0M | $169.0M | ||
| Q3 24 | $382.0M | $122.2M | ||
| Q2 24 | $392.0M | $-161.5M |
毛利率CFGMOS
| Q1 26 | — | — | ||
| Q4 25 | — | 11.5% | ||
| Q3 25 | — | 16.0% | ||
| Q2 25 | — | 17.3% | ||
| Q1 25 | — | 18.6% | ||
| Q4 24 | — | 10.7% | ||
| Q3 24 | — | 14.8% | ||
| Q2 24 | — | 14.0% |
营业利润率CFGMOS
| Q1 26 | — | — | ||
| Q4 25 | 31.4% | -3.4% | ||
| Q3 25 | 29.7% | 9.8% | ||
| Q2 25 | 27.2% | 8.1% | ||
| Q1 25 | 24.2% | 12.9% | ||
| Q4 24 | 25.6% | 3.5% | ||
| Q3 24 | 24.7% | 4.1% | ||
| Q2 24 | 24.5% | 8.3% |
净利率CFGMOS
| Q1 26 | 23.8% | — | ||
| Q4 25 | 24.5% | -17.5% | ||
| Q3 25 | 23.3% | 11.9% | ||
| Q2 25 | 21.4% | 13.7% | ||
| Q1 25 | 19.3% | 9.1% | ||
| Q4 24 | 20.2% | 6.0% | ||
| Q3 24 | 20.1% | 4.3% | ||
| Q2 24 | 20.0% | -5.7% |
每股收益（稀释后）CFGMOS
| Q1 26 | $1.13 | — | ||
| Q4 25 | $1.12 | $-1.63 | ||
| Q3 25 | $1.05 | $1.29 | ||
| Q2 25 | $0.92 | $1.29 | ||
| Q1 25 | $0.77 | $0.75 | ||
| Q4 24 | $0.83 | $0.53 | ||
| Q3 24 | $0.77 | $0.38 | ||
| Q2 24 | $0.78 | $-0.50 |
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 | — | $276.6M |
| 总债务越低越好 | — | $4.3B |
| 股东权益账面价值 | $26.2B | $12.1B |
| 总资产 | $227.9B | $24.5B |
| 负债/权益比越低杠杆越低 | — | 0.35× |
8季度趋势，按日历期对齐
现金及短期投资CFGMOS
| Q1 26 | — | — | ||
| Q4 25 | — | $276.6M | ||
| Q3 25 | — | $153.3M | ||
| Q2 25 | — | $286.2M | ||
| Q1 25 | — | $259.2M | ||
| Q4 24 | — | $272.8M | ||
| Q3 24 | — | $301.6M | ||
| Q2 24 | — | $322.0M |
总债务CFGMOS
| Q1 26 | — | — | ||
| Q4 25 | $11.2B | $4.3B | ||
| Q3 25 | $10.4B | $3.4B | ||
| Q2 25 | $12.5B | $3.3B | ||
| Q1 25 | $12.3B | $3.3B | ||
| Q4 24 | $12.4B | $3.3B | ||
| Q3 24 | $13.9B | $3.2B | ||
| Q2 24 | $13.1B | $3.2B |
股东权益CFGMOS
| Q1 26 | $26.2B | — | ||
| Q4 25 | $26.3B | $12.1B | ||
| Q3 25 | $25.8B | $12.8B | ||
| Q2 25 | $25.2B | $12.4B | ||
| Q1 25 | $24.9B | $11.8B | ||
| Q4 24 | $24.3B | $11.5B | ||
| Q3 24 | $24.9B | $11.8B | ||
| Q2 24 | $23.9B | $11.7B |
总资产CFGMOS
| Q1 26 | $227.9B | — | ||
| Q4 25 | $226.4B | $24.5B | ||
| Q3 25 | $222.7B | $24.7B | ||
| Q2 25 | $218.3B | $24.3B | ||
| Q1 25 | $220.1B | $23.2B | ||
| Q4 24 | $217.5B | $22.9B | ||
| Q3 24 | $219.7B | $23.3B | ||
| Q2 24 | $219.9B | $22.6B |
负债/权益比CFGMOS
| Q1 26 | — | — | ||
| Q4 25 | 0.43× | 0.35× | ||
| Q3 25 | 0.40× | 0.26× | ||
| Q2 25 | 0.50× | 0.27× | ||
| Q1 25 | 0.49× | 0.28× | ||
| Q4 24 | 0.51× | 0.29× | ||
| Q3 24 | 0.56× | 0.27× | ||
| Q2 24 | 0.55× | 0.27× |
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 | — | $-56.1M |
| 自由现金流经营现金流 - 资本支出 | — | $-405.7M |
| 自由现金流率自由现金流/营收 | — | -13.6% |
| 资本支出强度资本支出/营收 | — | 11.8% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $-534.6M |
8季度趋势，按日历期对齐
经营现金流CFGMOS
| Q1 26 | — | — | ||
| Q4 25 | $2.2B | $-56.1M | ||
| Q3 25 | $1.7B | $228.5M | ||
| Q2 25 | $886.0M | $609.5M | ||
| Q1 25 | $-213.0M | $42.9M | ||
| Q4 24 | $2.0B | $219.3M | ||
| Q3 24 | $130.0M | $312.9M | ||
| Q2 24 | $834.0M | $847.0M |
自由现金流CFGMOS
| Q1 26 | — | — | ||
| Q4 25 | — | $-405.7M | ||
| Q3 25 | — | $-135.9M | ||
| Q2 25 | — | $304.9M | ||
| Q1 25 | — | $-297.9M | ||
| Q4 24 | — | $-74.8M | ||
| Q3 24 | — | $72.1M | ||
| Q2 24 | — | $513.1M |
自由现金流率CFGMOS
| Q1 26 | — | — | ||
| Q4 25 | — | -13.6% | ||
| Q3 25 | — | -3.9% | ||
| Q2 25 | — | 10.1% | ||
| Q1 25 | — | -11.4% | ||
| Q4 24 | — | -2.7% | ||
| Q3 24 | — | 2.6% | ||
| Q2 24 | — | 18.2% |
资本支出强度CFGMOS
| Q1 26 | — | — | ||
| Q4 25 | — | 11.8% | ||
| Q3 25 | — | 10.6% | ||
| Q2 25 | — | 10.1% | ||
| Q1 25 | — | 13.0% | ||
| Q4 24 | — | 10.4% | ||
| Q3 24 | — | 8.6% | ||
| Q2 24 | — | 11.9% |
现金转化率CFGMOS
| Q1 26 | — | — | ||
| Q4 25 | 4.19× | — | ||
| Q3 25 | 3.43× | 0.56× | ||
| Q2 25 | 2.03× | 1.48× | ||
| Q1 25 | -0.57× | 0.18× | ||
| Q4 24 | 4.99× | 1.30× | ||
| Q3 24 | 0.34× | 2.56× | ||
| Q2 24 | 2.13× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
