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Citizens Financial Group（CFG）与利氏兄弟拍卖行（RBA）财务数据对比。点击上方公司名可切换其他公司
Citizens Financial Group的季度营收约是利氏兄弟拍卖行的1.8倍（$2.2B vs $1.2B），Citizens Financial Group净利率更高（24.5% vs 9.1%，领先15.4%），Citizens Financial Group同比增速更快（8.6% vs 5.4%），过去两年利氏兄弟拍卖行的营收复合增速更高（6.3% vs 4.9%）
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。
利氏兄弟拍卖行（股票代码RBA）是全球知名的工业资产拍卖服务商，注册地位于加拿大，属公开上市企业，总部设在美国伊利诺伊州韦斯特切斯特，普通股同时在多伦多证券交易所与纽约证券交易所挂牌交易。
CFG vs RBA — 直观对比
营收规模更大
CFG
是对方的1.8倍
$1.2B
营收增速更快
CFG
高出3.2%
5.4%
净利率更高
CFG
高出15.4%
9.1%
两年增速更快
RBA
近两年复合增速
4.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.2B |
| 净利润 | $528.0M | $109.7M |
| 毛利率 | — | — |
| 营业利润率 | 31.4% | 14.7% |
| 净利率 | 24.5% | 9.1% |
| 营收同比 | 8.6% | 5.4% |
| 净利润同比 | 31.7% | -7.4% |
| 每股收益（稀释后） | $1.12 | $0.53 |
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CFGRBA
| Q4 25 | $2.2B | $1.2B | ||
| Q3 25 | $2.1B | $1.1B | ||
| Q2 25 | $2.0B | $1.2B | ||
| Q1 25 | $1.9B | $1.1B | ||
| Q4 24 | $2.0B | $1.1B | ||
| Q3 24 | $1.9B | $981.8M | ||
| Q2 24 | $2.0B | $1.1B | ||
| Q1 24 | $2.0B | $1.1B |
净利润CFGRBA
| Q4 25 | $528.0M | $109.7M | ||
| Q3 25 | $494.0M | $95.5M | ||
| Q2 25 | $436.0M | $109.8M | ||
| Q1 25 | $373.0M | $113.4M | ||
| Q4 24 | $401.0M | $118.5M | ||
| Q3 24 | $382.0M | $76.1M | ||
| Q2 24 | $392.0M | $111.1M | ||
| Q1 24 | $334.0M | $107.4M |
营业利润率CFGRBA
| Q4 25 | 31.4% | 14.7% | ||
| Q3 25 | 29.7% | 14.5% | ||
| Q2 25 | 27.2% | 15.9% | ||
| Q1 25 | 24.2% | 17.1% | ||
| Q4 24 | 25.6% | 18.1% | ||
| Q3 24 | 24.7% | 15.6% | ||
| Q2 24 | 24.5% | 18.4% | ||
| Q1 24 | 21.9% | 18.7% |
净利率CFGRBA
| Q4 25 | 24.5% | 9.1% | ||
| Q3 25 | 23.3% | 8.7% | ||
| Q2 25 | 21.4% | 9.3% | ||
| Q1 25 | 19.3% | 10.2% | ||
| Q4 24 | 20.2% | 10.4% | ||
| Q3 24 | 20.1% | 7.8% | ||
| Q2 24 | 20.0% | 10.1% | ||
| Q1 24 | 17.0% | 10.1% |
每股收益（稀释后）CFGRBA
| Q4 25 | $1.12 | $0.53 | ||
| Q3 25 | $1.05 | $0.43 | ||
| Q2 25 | $0.92 | $0.53 | ||
| Q1 25 | $0.77 | $0.55 | ||
| Q4 24 | $0.83 | $0.58 | ||
| Q3 24 | $0.77 | $0.36 | ||
| Q2 24 | $0.78 | $0.54 | ||
| Q1 24 | $0.65 | $0.53 |
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 | — | $531.5M |
| 总债务越低越好 | $11.2B | $2.3B |
| 股东权益账面价值 | $26.3B | $5.6B |
| 总资产 | $226.4B | $12.1B |
| 负债/权益比越低杠杆越低 | 0.43× | 0.42× |
8季度趋势，按日历期对齐
现金及短期投资CFGRBA
| Q4 25 | — | $531.5M | ||
| Q3 25 | — | $674.7M | ||
| Q2 25 | — | $710.2M | ||
| Q1 25 | — | $578.1M | ||
| Q4 24 | — | $533.9M | ||
| Q3 24 | — | $650.7M | ||
| Q2 24 | — | $599.5M | ||
| Q1 24 | — | $462.8M |
总债务CFGRBA
| Q4 25 | $11.2B | $2.3B | ||
| Q3 25 | $10.4B | $2.6B | ||
| Q2 25 | $12.5B | $2.6B | ||
| Q1 25 | $12.3B | $2.6B | ||
| Q4 24 | $12.4B | $2.6B | ||
| Q3 24 | $13.9B | $2.7B | ||
| Q2 24 | $13.1B | $2.8B | ||
| Q1 24 | $13.8B | $2.9B |
股东权益CFGRBA
| Q4 25 | $26.3B | $5.6B | ||
| Q3 25 | $25.8B | $5.5B | ||
| Q2 25 | $25.2B | $5.5B | ||
| Q1 25 | $24.9B | $5.3B | ||
| Q4 24 | $24.3B | $5.2B | ||
| Q3 24 | $24.9B | $5.2B | ||
| Q2 24 | $23.9B | $5.2B | ||
| Q1 24 | $23.8B | $5.1B |
总资产CFGRBA
| Q4 25 | $226.4B | $12.1B | ||
| Q3 25 | $222.7B | $12.2B | ||
| Q2 25 | $218.3B | $12.2B | ||
| Q1 25 | $220.1B | $11.9B | ||
| Q4 24 | $217.5B | $11.8B | ||
| Q3 24 | $219.7B | $11.9B | ||
| Q2 24 | $219.9B | $12.1B | ||
| Q1 24 | $220.4B | $12.0B |
负债/权益比CFGRBA
| Q4 25 | 0.43× | 0.42× | ||
| Q3 25 | 0.40× | 0.47× | ||
| Q2 25 | 0.50× | 0.47× | ||
| Q1 25 | 0.49× | 0.50× | ||
| Q4 24 | 0.51× | 0.50× | ||
| Q3 24 | 0.56× | 0.52× | ||
| Q2 24 | 0.55× | 0.55× | ||
| Q1 24 | 0.58× | 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 | $255.2M |
| 自由现金流经营现金流 - 资本支出 | — | $186.5M |
| 自由现金流率自由现金流/营收 | — | 15.5% |
| 资本支出强度资本支出/营收 | — | 5.7% |
| 现金转化率经营现金流/净利润 | 4.19× | 2.33× |
| 过去12个月自由现金流最近4个季度 | — | $719.2M |
8季度趋势，按日历期对齐
经营现金流CFGRBA
| Q4 25 | $2.2B | $255.2M | ||
| Q3 25 | $1.7B | $239.7M | ||
| Q2 25 | $886.0M | $326.5M | ||
| Q1 25 | $-213.0M | $156.8M | ||
| Q4 24 | $2.0B | $184.5M | ||
| Q3 24 | $130.0M | $285.4M | ||
| Q2 24 | $834.0M | $337.3M | ||
| Q1 24 | $554.0M | $124.8M |
自由现金流CFGRBA
| Q4 25 | — | $186.5M | ||
| Q3 25 | — | $188.5M | ||
| Q2 25 | — | $241.7M | ||
| Q1 25 | — | $102.5M | ||
| Q4 24 | — | $127.9M | ||
| Q3 24 | — | $248.5M | ||
| Q2 24 | — | $308.6M | ||
| Q1 24 | — | $79.6M |
自由现金流率CFGRBA
| Q4 25 | — | 15.5% | ||
| Q3 25 | — | 17.3% | ||
| Q2 25 | — | 20.4% | ||
| Q1 25 | — | 9.2% | ||
| Q4 24 | — | 11.2% | ||
| Q3 24 | — | 25.3% | ||
| Q2 24 | — | 28.2% | ||
| Q1 24 | — | 7.5% |
资本支出强度CFGRBA
| Q4 25 | — | 5.7% | ||
| Q3 25 | — | 4.7% | ||
| Q2 25 | — | 7.2% | ||
| Q1 25 | — | 4.9% | ||
| Q4 24 | — | 5.0% | ||
| Q3 24 | — | 3.8% | ||
| Q2 24 | — | 2.6% | ||
| Q1 24 | — | 4.2% |
现金转化率CFGRBA
| Q4 25 | 4.19× | 2.33× | ||
| Q3 25 | 3.43× | 2.51× | ||
| Q2 25 | 2.03× | 2.97× | ||
| Q1 25 | -0.57× | 1.38× | ||
| Q4 24 | 4.99× | 1.56× | ||
| Q3 24 | 0.34× | 3.75× | ||
| Q2 24 | 2.13× | 3.04× | ||
| Q1 24 | 1.66× | 1.16× |
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
RBA
| Buyer Revenue | $577.2M | 48% |
| Seller Revenue | $255.2M | 21% |
| CA | $199.0M | 17% |
| Other | $124.7M | 10% |
| AU | $47.3M | 4% |
