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Citizens Financial Group（CFG）与Paychex（PAYX）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Paychex的1.4倍（$2.2B vs $1.5B），Paychex净利率更高（26.3% vs 24.5%，领先1.8%），Paychex同比增速更快（17.4% vs 8.6%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs 3.8%）
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。
Paychex是美国知名人力资源服务提供商，1971年成立，总部位于纽约州罗切斯特，面向中小微企业提供薪资管理、人力资源外包、员工福利外包等服务。目前在美欧地区拥有超100个办事处，服务约80万家薪资客户，位列《财富》500强第681位。
CFG vs PAYX — 直观对比
营收规模更大
CFG
是对方的1.4倍
$1.5B
营收增速更快
PAYX
高出8.8%
8.6%
净利率更高
PAYX
高出1.8%
24.5%
两年增速更快
CFG
近两年复合增速
3.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.5B |
| 净利润 | $528.0M | $395.4M |
| 毛利率 | — | 72.6% |
| 营业利润率 | 31.4% | 38.0% |
| 净利率 | 24.5% | 26.3% |
| 营收同比 | 8.6% | 17.4% |
| 净利润同比 | 31.7% | -4.4% |
| 每股收益（稀释后） | $1.12 | $1.10 |
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CFGPAYX
| Q4 25 | $2.2B | $1.5B | ||
| Q3 25 | $2.1B | $1.5B | ||
| Q2 25 | $2.0B | $1.4B | ||
| Q1 25 | $1.9B | $1.5B | ||
| Q4 24 | $2.0B | $1.3B | ||
| Q3 24 | $1.9B | $1.3B | ||
| Q2 24 | $2.0B | $1.3B | ||
| Q1 24 | $2.0B | $1.4B |
净利润CFGPAYX
| Q4 25 | $528.0M | $395.4M | ||
| Q3 25 | $494.0M | $383.8M | ||
| Q2 25 | $436.0M | $297.2M | ||
| Q1 25 | $373.0M | $519.3M | ||
| Q4 24 | $401.0M | $413.4M | ||
| Q3 24 | $382.0M | $427.4M | ||
| Q2 24 | $392.0M | $379.9M | ||
| Q1 24 | $334.0M | $498.6M |
毛利率CFGPAYX
| Q4 25 | — | 72.6% | ||
| Q3 25 | — | 72.3% | ||
| Q2 25 | — | 71.5% | ||
| Q1 25 | — | 73.6% | ||
| Q4 24 | — | 70.4% | ||
| Q3 24 | — | 70.3% | ||
| Q2 24 | — | 70.1% | ||
| Q1 24 | — | 72.8% |
营业利润率CFGPAYX
| Q4 25 | 31.4% | 38.0% | ||
| Q3 25 | 29.7% | 36.3% | ||
| Q2 25 | 27.2% | 31.2% | ||
| Q1 25 | 24.2% | 47.2% | ||
| Q4 24 | 25.6% | 42.0% | ||
| Q3 24 | 24.7% | 42.7% | ||
| Q2 24 | 24.5% | 38.3% | ||
| Q1 24 | 21.9% | 46.6% |
净利率CFGPAYX
| Q4 25 | 24.5% | 26.3% | ||
| Q3 25 | 23.3% | 25.7% | ||
| Q2 25 | 21.4% | 21.5% | ||
| Q1 25 | 19.3% | 35.4% | ||
| Q4 24 | 20.2% | 32.3% | ||
| Q3 24 | 20.1% | 33.4% | ||
| Q2 24 | 20.0% | 30.2% | ||
| Q1 24 | 17.0% | 35.7% |
每股收益（稀释后）CFGPAYX
| Q4 25 | $1.12 | $1.10 | ||
| Q3 25 | $1.05 | $1.06 | ||
| Q2 25 | $0.92 | $0.83 | ||
| Q1 25 | $0.77 | $1.43 | ||
| Q4 24 | $0.83 | $1.14 | ||
| Q3 24 | $0.77 | $1.18 | ||
| Q2 24 | $0.78 | $1.05 | ||
| Q1 24 | $0.65 | $1.38 |
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 | — | $1.5B |
| 总债务越低越好 | $11.2B | $5.0B |
| 股东权益账面价值 | $26.3B | $3.9B |
| 总资产 | $226.4B | $16.5B |
| 负债/权益比越低杠杆越低 | 0.43× | 1.28× |
8季度趋势，按日历期对齐
现金及短期投资CFGPAYX
| Q4 25 | — | $1.5B | ||
| Q3 25 | — | $1.7B | ||
| Q2 25 | — | $1.7B | ||
| Q1 25 | — | $1.6B | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | — | $1.5B | ||
| Q2 24 | — | $1.5B | ||
| Q1 24 | — | $1.7B |
总债务CFGPAYX
| Q4 25 | $11.2B | $5.0B | ||
| Q3 25 | $10.4B | $5.0B | ||
| Q2 25 | $12.5B | $4.9B | ||
| Q1 25 | $12.3B | — | ||
| Q4 24 | $12.4B | — | ||
| Q3 24 | $13.9B | — | ||
| Q2 24 | $13.1B | $798.6M | ||
| Q1 24 | $13.8B | — |
股东权益CFGPAYX
| Q4 25 | $26.3B | $3.9B | ||
| Q3 25 | $25.8B | $4.0B | ||
| Q2 25 | $25.2B | $4.1B | ||
| Q1 25 | $24.9B | $4.1B | ||
| Q4 24 | $24.3B | $3.9B | ||
| Q3 24 | $24.9B | $3.9B | ||
| Q2 24 | $23.9B | $3.8B | ||
| Q1 24 | $23.8B | $3.7B |
总资产CFGPAYX
| Q4 25 | $226.4B | $16.5B | ||
| Q3 25 | $222.7B | $16.7B | ||
| Q2 25 | $218.3B | $16.6B | ||
| Q1 25 | $220.1B | $11.2B | ||
| Q4 24 | $217.5B | $10.6B | ||
| Q3 24 | $219.7B | $10.5B | ||
| Q2 24 | $219.9B | $10.4B | ||
| Q1 24 | $220.4B | $13.0B |
负债/权益比CFGPAYX
| Q4 25 | 0.43× | 1.28× | ||
| Q3 25 | 0.40× | 1.25× | ||
| Q2 25 | 0.50× | 1.20× | ||
| Q1 25 | 0.49× | — | ||
| Q4 24 | 0.51× | — | ||
| Q3 24 | 0.56× | — | ||
| Q2 24 | 0.55× | 0.21× | ||
| 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 | $444.9M |
| 自由现金流经营现金流 - 资本支出 | — | $382.8M |
| 自由现金流率自由现金流/营收 | — | 25.5% |
| 资本支出强度资本支出/营收 | — | 4.1% |
| 现金转化率经营现金流/净利润 | 4.19× | 1.13× |
| 过去12个月自由现金流最近4个季度 | — | $2.0B |
8季度趋势，按日历期对齐
经营现金流CFGPAYX
| Q4 25 | $2.2B | $444.9M | ||
| Q3 25 | $1.7B | $718.4M | ||
| Q2 25 | $886.0M | $343.8M | ||
| Q1 25 | $-213.0M | $716.0M | ||
| Q4 24 | $2.0B | $295.0M | ||
| Q3 24 | $130.0M | $546.1M | ||
| Q2 24 | $834.0M | $221.7M | ||
| Q1 24 | $554.0M | $671.7M |
自由现金流CFGPAYX
| Q4 25 | — | $382.8M | ||
| Q3 25 | — | $662.5M | ||
| Q2 25 | — | $283.3M | ||
| Q1 25 | — | $667.3M | ||
| Q4 24 | — | $248.0M | ||
| Q3 24 | — | $510.5M | ||
| Q2 24 | — | $180.4M | ||
| Q1 24 | — | $631.0M |
自由现金流率CFGPAYX
| Q4 25 | — | 25.5% | ||
| Q3 25 | — | 44.4% | ||
| Q2 25 | — | 20.5% | ||
| Q1 25 | — | 45.5% | ||
| Q4 24 | — | 19.4% | ||
| Q3 24 | — | 39.9% | ||
| Q2 24 | — | 14.4% | ||
| Q1 24 | — | 45.2% |
资本支出强度CFGPAYX
| Q4 25 | — | 4.1% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 4.4% | ||
| Q1 25 | — | 3.3% | ||
| Q4 24 | — | 3.7% | ||
| Q3 24 | — | 2.8% | ||
| Q2 24 | — | 3.3% | ||
| Q1 24 | — | 2.9% |
现金转化率CFGPAYX
| Q4 25 | 4.19× | 1.13× | ||
| Q3 25 | 3.43× | 1.87× | ||
| Q2 25 | 2.03× | 1.16× | ||
| Q1 25 | -0.57× | 1.38× | ||
| Q4 24 | 4.99× | 0.71× | ||
| Q3 24 | 0.34× | 1.28× | ||
| Q2 24 | 2.13× | 0.58× | ||
| Q1 24 | 1.66× | 1.35× |
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
PAYX
| Management Solutions | $1.2B | 78% |
| Peo And Insurance Solutions | $336.9M | 22% |
