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Citizens Financial Group（CFG）与RYDER SYSTEM INC（R）财务数据对比。点击上方公司名可切换其他公司
RYDER SYSTEM INC的季度营收约是Citizens Financial Group的1.4倍（$3.1B vs $2.2B），Citizens Financial Group净利率更高（24.5% vs 3.0%，领先21.5%），Citizens Financial Group同比增速更快（8.6% vs 1.0%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs -0.9%）
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。
Ryder System Inc.是美国专业运输物流服务商，总部位于佛罗里达州科勒尔盖布尔斯，业务覆盖美国及英国，核心业务包含卡车租赁、车队管理、供应链及运输管理，同时提供车辆维保、二手车销售、专业司机派遣、电商履约与最后一公里配送等多元服务。
CFG vs R — 直观对比
营收规模更大
R
是对方的1.4倍
$2.2B
营收增速更快
CFG
高出7.6%
1.0%
净利率更高
CFG
高出21.5%
3.0%
两年增速更快
CFG
近两年复合增速
-0.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $3.1B |
| 净利润 | $528.0M | $93.0M |
| 毛利率 | — | — |
| 营业利润率 | 31.4% | — |
| 净利率 | 24.5% | 3.0% |
| 营收同比 | 8.6% | 1.0% |
| 净利润同比 | 31.7% | -5.1% |
| 每股收益（稀释后） | $1.12 | $2.34 |
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CFGR
| Q1 26 | — | $3.1B | ||
| Q4 25 | $2.2B | $3.2B | ||
| Q3 25 | $2.1B | $3.2B | ||
| Q2 25 | $2.0B | $3.2B | ||
| Q1 25 | $1.9B | $3.1B | ||
| Q4 24 | $2.0B | $3.2B | ||
| Q3 24 | $1.9B | $3.2B | ||
| Q2 24 | $2.0B | $3.2B |
净利润CFGR
| Q1 26 | — | $93.0M | ||
| Q4 25 | $528.0M | $132.0M | ||
| Q3 25 | $494.0M | $138.0M | ||
| Q2 25 | $436.0M | $131.0M | ||
| Q1 25 | $373.0M | $98.0M | ||
| Q4 24 | $401.0M | $135.0M | ||
| Q3 24 | $382.0M | $142.0M | ||
| Q2 24 | $392.0M | $127.0M |
营业利润率CFGR
| Q1 26 | — | — | ||
| Q4 25 | 31.4% | 5.6% | ||
| Q3 25 | 29.7% | 6.0% | ||
| Q2 25 | 27.2% | 5.8% | ||
| Q1 25 | 24.2% | 4.3% | ||
| Q4 24 | 25.6% | 5.7% | ||
| Q3 24 | 24.7% | 5.9% | ||
| Q2 24 | 24.5% | 5.6% |
净利率CFGR
| Q1 26 | — | 3.0% | ||
| Q4 25 | 24.5% | 4.2% | ||
| Q3 25 | 23.3% | 4.4% | ||
| Q2 25 | 21.4% | 4.1% | ||
| Q1 25 | 19.3% | 3.1% | ||
| Q4 24 | 20.2% | 4.2% | ||
| Q3 24 | 20.1% | 4.5% | ||
| Q2 24 | 20.0% | 4.0% |
每股收益（稀释后）CFGR
| Q1 26 | — | $2.34 | ||
| Q4 25 | $1.12 | $3.22 | ||
| Q3 25 | $1.05 | $3.32 | ||
| Q2 25 | $0.92 | $3.13 | ||
| Q1 25 | $0.77 | $2.27 | ||
| Q4 24 | $0.83 | $3.09 | ||
| Q3 24 | $0.77 | $3.24 | ||
| Q2 24 | $0.78 | $2.84 |
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 | — | $182.0M |
| 总债务越低越好 | $11.2B | — |
| 股东权益账面价值 | $26.3B | $2.9B |
| 总资产 | $226.4B | — |
| 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CFGR
| Q1 26 | — | $182.0M | ||
| Q4 25 | — | $198.0M | ||
| Q3 25 | — | $189.0M | ||
| Q2 25 | — | $180.0M | ||
| Q1 25 | — | $151.0M | ||
| Q4 24 | — | $154.0M | ||
| Q3 24 | — | $162.0M | ||
| Q2 24 | — | $164.0M |
总债务CFGR
| Q1 26 | — | — | ||
| Q4 25 | $11.2B | $6.8B | ||
| Q3 25 | $10.4B | $7.3B | ||
| Q2 25 | $12.5B | $7.0B | ||
| Q1 25 | $12.3B | $6.7B | ||
| Q4 24 | $12.4B | $6.7B | ||
| Q3 24 | $13.9B | $6.6B | ||
| Q2 24 | $13.1B | $6.5B |
股东权益CFGR
| Q1 26 | — | $2.9B | ||
| Q4 25 | $26.3B | $3.1B | ||
| Q3 25 | $25.8B | $3.1B | ||
| Q2 25 | $25.2B | $3.1B | ||
| Q1 25 | $24.9B | $3.0B | ||
| Q4 24 | $24.3B | $3.1B | ||
| Q3 24 | $24.9B | $3.1B | ||
| Q2 24 | $23.9B | $3.1B |
总资产CFGR
| Q1 26 | — | — | ||
| Q4 25 | $226.4B | $16.4B | ||
| Q3 25 | $222.7B | $16.5B | ||
| Q2 25 | $218.3B | $16.5B | ||
| Q1 25 | $220.1B | $16.4B | ||
| Q4 24 | $217.5B | $16.7B | ||
| Q3 24 | $219.7B | $16.5B | ||
| Q2 24 | $219.9B | $16.4B |
负债/权益比CFGR
| Q1 26 | — | — | ||
| Q4 25 | 0.43× | 2.24× | ||
| Q3 25 | 0.40× | 2.35× | ||
| Q2 25 | 0.50× | 2.27× | ||
| Q1 25 | 0.49× | 2.21× | ||
| Q4 24 | 0.51× | 2.14× | ||
| Q3 24 | 0.56× | 2.17× | ||
| Q2 24 | 0.55× | 2.09× |
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 | $583.0M |
| 自由现金流经营现金流 - 资本支出 | — | $273.0M |
| 自由现金流率自由现金流/营收 | — | 8.7% |
| 资本支出强度资本支出/营收 | — | 13.7% |
| 现金转化率经营现金流/净利润 | 4.19× | 6.27× |
| 过去12个月自由现金流最近4个季度 | — | $595.0M |
8季度趋势，按日历期对齐
经营现金流CFGR
| Q1 26 | — | $583.0M | ||
| Q4 25 | $2.2B | $749.0M | ||
| Q3 25 | $1.7B | $442.0M | ||
| Q2 25 | $886.0M | $752.0M | ||
| Q1 25 | $-213.0M | $651.0M | ||
| Q4 24 | $2.0B | $558.0M | ||
| Q3 24 | $130.0M | $629.0M | ||
| Q2 24 | $834.0M | $552.0M |
自由现金流CFGR
| Q1 26 | — | $273.0M | ||
| Q4 25 | — | $344.0M | ||
| Q3 25 | — | $-85.0M | ||
| Q2 25 | — | $63.0M | ||
| Q1 25 | — | $137.0M | ||
| Q4 24 | — | $-201.0M | ||
| Q3 24 | — | $30.0M | ||
| Q2 24 | — | $-87.0M |
自由现金流率CFGR
| Q1 26 | — | 8.7% | ||
| Q4 25 | — | 10.8% | ||
| Q3 25 | — | -2.7% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | 4.4% | ||
| Q4 24 | — | -6.3% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | -2.7% |
资本支出强度CFGR
| Q1 26 | — | 13.7% | ||
| Q4 25 | — | 12.8% | ||
| Q3 25 | — | 16.6% | ||
| Q2 25 | — | 21.6% | ||
| Q1 25 | — | 16.4% | ||
| Q4 24 | — | 23.8% | ||
| Q3 24 | — | 18.9% | ||
| Q2 24 | — | 20.1% |
现金转化率CFGR
| Q1 26 | — | 6.27× | ||
| Q4 25 | 4.19× | 5.67× | ||
| Q3 25 | 3.43× | 3.20× | ||
| Q2 25 | 2.03× | 5.74× | ||
| Q1 25 | -0.57× | 6.64× | ||
| Q4 24 | 4.99× | 4.13× | ||
| Q3 24 | 0.34× | 4.43× | ||
| Q2 24 | 2.13× | 4.35× |
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
R
| Fleet Management Solutions | $1.5B | 47% |
| ChoiceLease | $878.0M | 28% |
| Dedicated Transportation Solutions | $553.0M | 18% |
| Commercial rental | $211.0M | 7% |
