vs
Citizens Financial Group（CFG）与北极星（PII）财务数据对比。点击上方公司名可切换其他公司
Citizens Financial Group的季度营收约是北极星的1.3倍（$2.2B vs $1.7B），Citizens Financial Group净利率更高（24.5% vs -2.8%，领先27.3%），Citizens Financial Group同比增速更快（8.6% vs 8.0%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs -8.0%）
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。
北极星公司（Polaris Inc.）是总部位于美国明尼苏达州麦地那的机动车制造企业，创立于明尼苏达州罗索，当地目前仍保留其工程研发与生产设施。公司曾通过胜利摩托子公司生产摩托车，2011年收购印第安摩托品牌后转由该子公司运营摩托业务，此前还曾生产私人水上摩托艇产品。
CFG vs PII — 直观对比
营收规模更大
CFG
是对方的1.3倍
$1.7B
营收增速更快
CFG
高出0.6%
8.0%
净利率更高
CFG
高出27.3%
-2.8%
两年增速更快
CFG
近两年复合增速
-8.0%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.7B |
| 净利润 | $528.0M | $-47.2M |
| 毛利率 | — | 20.2% |
| 营业利润率 | 31.4% | — |
| 净利率 | 24.5% | -2.8% |
| 营收同比 | 8.6% | 8.0% |
| 净利润同比 | 31.7% | 29.2% |
| 每股收益（稀释后） | $1.12 | $-0.83 |
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CFGPII
| Q1 26 | — | $1.7B | ||
| Q4 25 | $2.2B | $1.9B | ||
| Q3 25 | $2.1B | $1.8B | ||
| Q2 25 | $2.0B | $1.9B | ||
| Q1 25 | $1.9B | $1.5B | ||
| Q4 24 | $2.0B | $1.8B | ||
| Q3 24 | $1.9B | $1.7B | ||
| Q2 24 | $2.0B | $2.0B |
净利润CFGPII
| Q1 26 | — | $-47.2M | ||
| Q4 25 | $528.0M | $-303.6M | ||
| Q3 25 | $494.0M | $-15.8M | ||
| Q2 25 | $436.0M | $-79.3M | ||
| Q1 25 | $373.0M | $-66.8M | ||
| Q4 24 | $401.0M | $10.6M | ||
| Q3 24 | $382.0M | $27.7M | ||
| Q2 24 | $392.0M | $68.7M |
毛利率CFGPII
| Q1 26 | — | 20.2% | ||
| Q4 25 | — | 20.0% | ||
| Q3 25 | — | 20.7% | ||
| Q2 25 | — | 19.4% | ||
| Q1 25 | — | 16.0% | ||
| Q4 24 | — | 20.4% | ||
| Q3 24 | — | 20.6% | ||
| Q2 24 | — | 21.6% |
营业利润率CFGPII
| Q1 26 | — | — | ||
| Q4 25 | 31.4% | -16.7% | ||
| Q3 25 | 29.7% | 1.1% | ||
| Q2 25 | 27.2% | -0.7% | ||
| Q1 25 | 24.2% | -2.4% | ||
| Q4 24 | 25.6% | 3.7% | ||
| Q3 24 | 24.7% | 3.8% | ||
| Q2 24 | 24.5% | 6.1% |
净利率CFGPII
| Q1 26 | — | -2.8% | ||
| Q4 25 | 24.5% | -15.8% | ||
| Q3 25 | 23.3% | -0.9% | ||
| Q2 25 | 21.4% | -4.3% | ||
| Q1 25 | 19.3% | -4.3% | ||
| Q4 24 | 20.2% | 0.6% | ||
| Q3 24 | 20.1% | 1.6% | ||
| Q2 24 | 20.0% | 3.5% |
每股收益（稀释后）CFGPII
| Q1 26 | — | $-0.83 | ||
| Q4 25 | $1.12 | $-5.34 | ||
| Q3 25 | $1.05 | $-0.28 | ||
| Q2 25 | $0.92 | $-1.39 | ||
| Q1 25 | $0.77 | $-1.17 | ||
| Q4 24 | $0.83 | $0.18 | ||
| Q3 24 | $0.77 | $0.49 | ||
| Q2 24 | $0.78 | $1.21 |
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 | — | $282.0M |
| 总债务越低越好 | $11.2B | — |
| 股东权益账面价值 | $26.3B | $750.4M |
| 总资产 | $226.4B | $5.2B |
| 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CFGPII
| Q1 26 | — | $282.0M | ||
| Q4 25 | — | $138.0M | ||
| Q3 25 | — | $335.5M | ||
| Q2 25 | — | $324.3M | ||
| Q1 25 | — | $291.7M | ||
| Q4 24 | — | $287.8M | ||
| Q3 24 | — | $291.3M | ||
| Q2 24 | — | $322.7M |
总债务CFGPII
| Q1 26 | — | — | ||
| Q4 25 | $11.2B | $1.5B | ||
| Q3 25 | $10.4B | $1.3B | ||
| Q2 25 | $12.5B | $1.4B | ||
| Q1 25 | $12.3B | $1.6B | ||
| Q4 24 | $12.4B | $1.6B | ||
| Q3 24 | $13.9B | $1.7B | ||
| Q2 24 | $13.1B | $2.1B |
股东权益CFGPII
| Q1 26 | — | $750.4M | ||
| Q4 25 | $26.3B | $828.4M | ||
| Q3 25 | $25.8B | $1.1B | ||
| Q2 25 | $25.2B | $1.2B | ||
| Q1 25 | $24.9B | $1.2B | ||
| Q4 24 | $24.3B | $1.3B | ||
| Q3 24 | $24.9B | $1.3B | ||
| Q2 24 | $23.9B | $1.3B |
总资产CFGPII
| Q1 26 | — | $5.2B | ||
| Q4 25 | $226.4B | $4.9B | ||
| Q3 25 | $222.7B | $5.3B | ||
| Q2 25 | $218.3B | $5.4B | ||
| Q1 25 | $220.1B | $5.5B | ||
| Q4 24 | $217.5B | $5.5B | ||
| Q3 24 | $219.7B | $5.6B | ||
| Q2 24 | $219.9B | $5.7B |
负债/权益比CFGPII
| Q1 26 | — | — | ||
| Q4 25 | 0.43× | 1.82× | ||
| Q3 25 | 0.40× | 1.13× | ||
| Q2 25 | 0.50× | 1.17× | ||
| Q1 25 | 0.49× | 1.32× | ||
| Q4 24 | 0.51× | 1.27× | ||
| Q3 24 | 0.56× | 1.29× | ||
| Q2 24 | 0.55× | 1.56× |
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 | — | $-342.5M |
| 自由现金流率自由现金流/营收 | — | -20.6% |
| 资本支出强度资本支出/营收 | — | — |
| 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 | — | $168.0M |
8季度趋势，按日历期对齐
经营现金流CFGPII
| Q1 26 | — | — | ||
| Q4 25 | $2.2B | $178.7M | ||
| Q3 25 | $1.7B | $158.8M | ||
| Q2 25 | $886.0M | $320.3M | ||
| Q1 25 | $-213.0M | $83.2M | ||
| Q4 24 | $2.0B | $206.3M | ||
| Q3 24 | $130.0M | $21.0M | ||
| Q2 24 | $834.0M | $146.3M |
自由现金流CFGPII
| Q1 26 | — | $-342.5M | ||
| Q4 25 | — | $114.0M | ||
| Q3 25 | — | $116.7M | ||
| Q2 25 | — | $279.8M | ||
| Q1 25 | — | $47.6M | ||
| Q4 24 | — | $137.3M | ||
| Q3 24 | — | $-32.4M | ||
| Q2 24 | — | $79.1M |
自由现金流率CFGPII
| Q1 26 | — | -20.6% | ||
| Q4 25 | — | 5.9% | ||
| Q3 25 | — | 6.3% | ||
| Q2 25 | — | 15.1% | ||
| Q1 25 | — | 3.1% | ||
| Q4 24 | — | 7.8% | ||
| Q3 24 | — | -1.9% | ||
| Q2 24 | — | 4.0% |
资本支出强度CFGPII
| Q1 26 | — | — | ||
| Q4 25 | — | 3.4% | ||
| Q3 25 | — | 2.3% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | — | 2.3% | ||
| Q4 24 | — | 3.9% | ||
| Q3 24 | — | 3.1% | ||
| Q2 24 | — | 3.4% |
现金转化率CFGPII
| Q1 26 | — | — | ||
| Q4 25 | 4.19× | — | ||
| Q3 25 | 3.43× | — | ||
| Q2 25 | 2.03× | — | ||
| Q1 25 | -0.57× | — | ||
| Q4 24 | 4.99× | 19.46× | ||
| Q3 24 | 0.34× | 0.76× | ||
| Q2 24 | 2.13× | 2.13× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
