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Citizens Financial Group（CFG）与罗布乐思（RBLX）财务数据对比。点击上方公司名可切换其他公司
Citizens Financial Group的季度营收约是罗布乐思的1.5倍（$2.2B vs $1.4B），Citizens Financial Group净利率更高（24.5% vs -22.3%，领先46.8%），罗布乐思同比增速更快（43.2% vs 8.6%），过去两年罗布乐思的营收复合增速更高（32.9% 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。
罗布乐思（Roblox Corporation）是总部位于美国加利福尼亚州圣马特奥的游戏企业，由大卫·巴斯祖奇与埃里克·卡塞尔于2004年共同创立。公司核心产品为同名线上游戏创作平台Roblox，于2006年正式上线，截至2024年12月底全球员工规模已超2400人。
CFG vs RBLX — 直观对比
营收规模更大
CFG
是对方的1.5倍
$1.4B
营收增速更快
RBLX
高出34.6%
8.6%
净利率更高
CFG
高出46.8%
-22.3%
两年增速更快
RBLX
近两年复合增速
4.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.4B |
| 净利润 | $528.0M | $-316.0M |
| 毛利率 | — | 77.7% |
| 营业利润率 | 31.4% | -25.3% |
| 净利率 | 24.5% | -22.3% |
| 营收同比 | 8.6% | 43.2% |
| 净利润同比 | 31.7% | -43.9% |
| 每股收益（稀释后） | $1.12 | $-0.44 |
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CFGRBLX
| Q4 25 | $2.2B | $1.4B | ||
| Q3 25 | $2.1B | $1.4B | ||
| Q2 25 | $2.0B | $1.1B | ||
| Q1 25 | $1.9B | $1.0B | ||
| Q4 24 | $2.0B | $988.2M | ||
| Q3 24 | $1.9B | $919.0M | ||
| Q2 24 | $2.0B | $893.5M | ||
| Q1 24 | $2.0B | $801.3M |
净利润CFGRBLX
| Q4 25 | $528.0M | $-316.0M | ||
| Q3 25 | $494.0M | $-255.6M | ||
| Q2 25 | $436.0M | $-278.4M | ||
| Q1 25 | $373.0M | $-215.1M | ||
| Q4 24 | $401.0M | $-219.6M | ||
| Q3 24 | $382.0M | $-239.3M | ||
| Q2 24 | $392.0M | $-205.9M | ||
| Q1 24 | $334.0M | $-270.6M |
毛利率CFGRBLX
| Q4 25 | — | 77.7% | ||
| Q3 25 | — | 78.2% | ||
| Q2 25 | — | 78.2% | ||
| Q1 25 | — | 78.3% | ||
| Q4 24 | — | 77.9% | ||
| Q3 24 | — | 77.7% | ||
| Q2 24 | — | 77.8% | ||
| Q1 24 | — | 77.7% |
营业利润率CFGRBLX
| Q4 25 | 31.4% | -25.3% | ||
| Q3 25 | 29.7% | -21.8% | ||
| Q2 25 | 27.2% | -29.8% | ||
| Q1 25 | 24.2% | -24.6% | ||
| Q4 24 | 25.6% | -24.7% | ||
| Q3 24 | 24.7% | -30.4% | ||
| Q2 24 | 24.5% | -26.6% | ||
| Q1 24 | 21.9% | -37.7% |
净利率CFGRBLX
| Q4 25 | 24.5% | -22.3% | ||
| Q3 25 | 23.3% | -18.8% | ||
| Q2 25 | 21.4% | -25.8% | ||
| Q1 25 | 19.3% | -20.8% | ||
| Q4 24 | 20.2% | -22.2% | ||
| Q3 24 | 20.1% | -26.0% | ||
| Q2 24 | 20.0% | -23.0% | ||
| Q1 24 | 17.0% | -33.8% |
每股收益（稀释后）CFGRBLX
| Q4 25 | $1.12 | $-0.44 | ||
| Q3 25 | $1.05 | $-0.37 | ||
| Q2 25 | $0.92 | $-0.41 | ||
| Q1 25 | $0.77 | $-0.32 | ||
| Q4 24 | $0.83 | $-0.32 | ||
| Q3 24 | $0.77 | $-0.37 | ||
| Q2 24 | $0.78 | $-0.32 | ||
| Q1 24 | $0.65 | $-0.43 |
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 | — | $3.1B |
| 总债务越低越好 | $11.2B | $1.2B |
| 股东权益账面价值 | $26.3B | $394.5M |
| 总资产 | $226.4B | $9.6B |
| 负债/权益比越低杠杆越低 | 0.43× | 2.98× |
8季度趋势，按日历期对齐
现金及短期投资CFGRBLX
| Q4 25 | — | $3.1B | ||
| Q3 25 | — | $2.9B | ||
| Q2 25 | — | $2.6B | ||
| Q1 25 | — | $2.7B | ||
| Q4 24 | — | $2.4B | ||
| Q3 24 | — | $2.3B | ||
| Q2 24 | — | $2.4B | ||
| Q1 24 | — | $2.4B |
总债务CFGRBLX
| Q4 25 | $11.2B | $1.2B | ||
| Q3 25 | $10.4B | — | ||
| Q2 25 | $12.5B | — | ||
| Q1 25 | $12.3B | — | ||
| Q4 24 | $12.4B | $1.2B | ||
| Q3 24 | $13.9B | — | ||
| Q2 24 | $13.1B | — | ||
| Q1 24 | $13.8B | — |
股东权益CFGRBLX
| Q4 25 | $26.3B | $394.5M | ||
| Q3 25 | $25.8B | $407.6M | ||
| Q2 25 | $25.2B | $353.2M | ||
| Q1 25 | $24.9B | $310.7M | ||
| Q4 24 | $24.3B | $221.4M | ||
| Q3 24 | $24.9B | $189.9M | ||
| Q2 24 | $23.9B | $121.5M | ||
| Q1 24 | $23.8B | $71.6M |
总资产CFGRBLX
| Q4 25 | $226.4B | $9.6B | ||
| Q3 25 | $222.7B | $8.6B | ||
| Q2 25 | $218.3B | $7.8B | ||
| Q1 25 | $220.1B | $7.5B | ||
| Q4 24 | $217.5B | $7.2B | ||
| Q3 24 | $219.7B | $6.7B | ||
| Q2 24 | $219.9B | $6.5B | ||
| Q1 24 | $220.4B | $6.3B |
负债/权益比CFGRBLX
| Q4 25 | 0.43× | 2.98× | ||
| Q3 25 | 0.40× | — | ||
| Q2 25 | 0.50× | — | ||
| Q1 25 | 0.49× | — | ||
| Q4 24 | 0.51× | 5.48× | ||
| 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 | $607.0M |
| 自由现金流经营现金流 - 资本支出 | — | $308.6M |
| 自由现金流率自由现金流/营收 | — | 21.8% |
| 资本支出强度资本支出/营收 | — | 21.1% |
| 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 | — | $1.4B |
8季度趋势，按日历期对齐
经营现金流CFGRBLX
| Q4 25 | $2.2B | $607.0M | ||
| Q3 25 | $1.7B | $546.2M | ||
| Q2 25 | $886.0M | $199.3M | ||
| Q1 25 | $-213.0M | $443.9M | ||
| Q4 24 | $2.0B | $184.5M | ||
| Q3 24 | $130.0M | $247.4M | ||
| Q2 24 | $834.0M | $151.4M | ||
| Q1 24 | $554.0M | $238.9M |
自由现金流CFGRBLX
| Q4 25 | — | $308.6M | ||
| Q3 25 | — | $443.6M | ||
| Q2 25 | — | $176.7M | ||
| Q1 25 | — | $426.5M | ||
| Q4 24 | — | $120.6M | ||
| Q3 24 | — | $218.0M | ||
| Q2 24 | — | $111.7M | ||
| Q1 24 | — | $192.3M |
自由现金流率CFGRBLX
| Q4 25 | — | 21.8% | ||
| Q3 25 | — | 32.6% | ||
| Q2 25 | — | 16.3% | ||
| Q1 25 | — | 41.2% | ||
| Q4 24 | — | 12.2% | ||
| Q3 24 | — | 23.7% | ||
| Q2 24 | — | 12.5% | ||
| Q1 24 | — | 24.0% |
资本支出强度CFGRBLX
| Q4 25 | — | 21.1% | ||
| Q3 25 | — | 7.5% | ||
| Q2 25 | — | 2.1% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 6.5% | ||
| Q3 24 | — | 3.2% | ||
| Q2 24 | — | 4.4% | ||
| Q1 24 | — | 5.8% |
现金转化率CFGRBLX
| Q4 25 | 4.19× | — | ||
| Q3 25 | 3.43× | — | ||
| Q2 25 | 2.03× | — | ||
| Q1 25 | -0.57× | — | ||
| Q4 24 | 4.99× | — | ||
| Q3 24 | 0.34× | — | ||
| Q2 24 | 2.13× | — | ||
| 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
