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Citizens Financial Group（CFG）与NICE Ltd.（NICE）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NICE Ltd.的1.6倍（$2.2B vs $1.3B），Citizens Financial Group净利率更高（24.5% vs 16.8%，领先7.7%）
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。
NICE Ltd.是一家美国科技企业，专注于客户关系管理软件、人工智能技术、数字化交互与劳动力参与管理解决方案的研发，旗下产品可帮助各行业企业优化运营效率，提升客户服务体验。
CFG vs NICE — 直观对比
营收规模更大
CFG
是对方的1.6倍
$1.3B
净利率更高
CFG
高出7.7%
16.8%
损益表 — Q4 FY2025 vs Q2 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.3B |
| 净利润 | $528.0M | $222.2M |
| 毛利率 | — | 66.2% |
| 营业利润率 | 31.4% | 18.9% |
| 净利率 | 24.5% | 16.8% |
| 营收同比 | 8.6% | — |
| 净利润同比 | 31.7% | — |
| 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CFGNICE
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.1B | — | ||
| Q2 25 | $2.0B | $1.3B | ||
| Q1 25 | $1.9B | — | ||
| Q4 24 | $2.0B | — | ||
| Q3 24 | $1.9B | — | ||
| Q2 24 | $2.0B | $1.2B | ||
| Q1 24 | $2.0B | — |
净利润CFGNICE
| Q4 25 | $528.0M | — | ||
| Q3 25 | $494.0M | — | ||
| Q2 25 | $436.0M | $222.2M | ||
| Q1 25 | $373.0M | — | ||
| Q4 24 | $401.0M | — | ||
| Q3 24 | $382.0M | — | ||
| Q2 24 | $392.0M | $164.3M | ||
| Q1 24 | $334.0M | — |
毛利率CFGNICE
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 66.2% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 67.4% | ||
| Q1 24 | — | — |
营业利润率CFGNICE
| Q4 25 | 31.4% | — | ||
| Q3 25 | 29.7% | — | ||
| Q2 25 | 27.2% | 18.9% | ||
| Q1 25 | 24.2% | — | ||
| Q4 24 | 25.6% | — | ||
| Q3 24 | 24.7% | — | ||
| Q2 24 | 24.5% | 17.3% | ||
| Q1 24 | 21.9% | — |
净利率CFGNICE
| Q4 25 | 24.5% | — | ||
| Q3 25 | 23.3% | — | ||
| Q2 25 | 21.4% | 16.8% | ||
| Q1 25 | 19.3% | — | ||
| Q4 24 | 20.2% | — | ||
| Q3 24 | 20.1% | — | ||
| Q2 24 | 20.0% | 14.2% | ||
| Q1 24 | 17.0% | — |
每股收益（稀释后）CFGNICE
| 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 | — | $481.7M |
| 总债务越低越好 | $11.2B | — |
| 股东权益账面价值 | $26.3B | $3.6B |
| 总资产 | $226.4B | $5.3B |
| 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CFGNICE
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $481.7M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $511.8M | ||
| Q1 24 | — | — |
总债务CFGNICE
| 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CFGNICE
| Q4 25 | $26.3B | — | ||
| Q3 25 | $25.8B | — | ||
| Q2 25 | $25.2B | $3.6B | ||
| Q1 25 | $24.9B | — | ||
| Q4 24 | $24.3B | — | ||
| Q3 24 | $24.9B | — | ||
| Q2 24 | $23.9B | $3.4B | ||
| Q1 24 | $23.8B | — |
总资产CFGNICE
| Q4 25 | $226.4B | — | ||
| Q3 25 | $222.7B | — | ||
| Q2 25 | $218.3B | $5.3B | ||
| Q1 25 | $220.1B | — | ||
| Q4 24 | $217.5B | — | ||
| Q3 24 | $219.7B | — | ||
| Q2 24 | $219.9B | $5.1B | ||
| Q1 24 | $220.4B | — |
负债/权益比CFGNICE
| 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 | $424.2M |
| 自由现金流经营现金流 - 资本支出 | — | $407.2M |
| 自由现金流率自由现金流/营收 | — | 30.8% |
| 资本支出强度资本支出/营收 | — | 1.3% |
| 现金转化率经营现金流/净利润 | 4.19× | 1.91× |
| 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CFGNICE
| Q4 25 | $2.2B | — | ||
| Q3 25 | $1.7B | — | ||
| Q2 25 | $886.0M | $424.2M | ||
| Q1 25 | $-213.0M | — | ||
| Q4 24 | $2.0B | — | ||
| Q3 24 | $130.0M | — | ||
| Q2 24 | $834.0M | $260.3M | ||
| Q1 24 | $554.0M | — |
自由现金流CFGNICE
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $407.2M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $242.7M | ||
| Q1 24 | — | — |
自由现金流率CFGNICE
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 30.8% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 21.1% | ||
| Q1 24 | — | — |
资本支出强度CFGNICE
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 1.3% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 1.5% | ||
| Q1 24 | — | — |
现金转化率CFGNICE
| Q4 25 | 4.19× | — | ||
| Q3 25 | 3.43× | — | ||
| Q2 25 | 2.03× | 1.91× | ||
| Q1 25 | -0.57× | — | ||
| Q4 24 | 4.99× | — | ||
| Q3 24 | 0.34× | — | ||
| Q2 24 | 2.13× | 1.58× | ||
| Q1 24 | 1.66× | — |
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
NICE
| Cloud | $950.1M | 72% |
| Services | $296.5M | 22% |
| Product | $77.1M | 6% |
