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Citizens Financial Group（CFG）与皇家加勒比集团（RCL）财务数据对比。点击上方公司名可切换其他公司
皇家加勒比集团的季度营收约是Citizens Financial Group的2.0倍（$4.3B vs $2.2B），Citizens Financial Group净利率更高（24.5% vs 17.7%，领先6.8%），皇家加勒比集团同比增速更快（13.3% vs 8.6%），过去两年皇家加勒比集团的营收复合增速更高（6.9% 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。
皇家加勒比集团前身为皇家加勒比邮轮有限公司，是仅次于嘉年华公司的全球第二大邮轮运营商。集团总部位于美国佛罗里达州迈阿密，在利比里亚注册，目前全资拥有皇家加勒比国际游轮、名人邮轮、银海邮轮三大品牌，还持有途易邮轮50%的股份。
CFG vs RCL — 直观对比
营收规模更大
RCL
是对方的2.0倍
$2.2B
营收增速更快
RCL
高出4.7%
8.6%
净利率更高
CFG
高出6.8%
17.7%
两年增速更快
RCL
近两年复合增速
4.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $4.3B |
| 净利润 | $528.0M | $753.0M |
| 毛利率 | — | 47.4% |
| 营业利润率 | 31.4% | 21.9% |
| 净利率 | 24.5% | 17.7% |
| 营收同比 | 8.6% | 13.3% |
| 净利润同比 | 31.7% | 36.4% |
| 每股收益（稀释后） | $1.12 | $2.76 |
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CFGRCL
| Q4 25 | $2.2B | $4.3B | ||
| Q3 25 | $2.1B | $5.1B | ||
| Q2 25 | $2.0B | $4.5B | ||
| Q1 25 | $1.9B | $4.0B | ||
| Q4 24 | $2.0B | $3.8B | ||
| Q3 24 | $1.9B | $4.9B | ||
| Q2 24 | $2.0B | $4.1B | ||
| Q1 24 | $2.0B | $3.7B |
净利润CFGRCL
| Q4 25 | $528.0M | $753.0M | ||
| Q3 25 | $494.0M | $1.6B | ||
| Q2 25 | $436.0M | $1.2B | ||
| Q1 25 | $373.0M | $730.0M | ||
| Q4 24 | $401.0M | $552.0M | ||
| Q3 24 | $382.0M | $1.1B | ||
| Q2 24 | $392.0M | $854.0M | ||
| Q1 24 | $334.0M | $360.0M |
毛利率CFGRCL
| Q4 25 | — | 47.4% | ||
| Q3 25 | — | 51.8% | ||
| Q2 25 | — | 49.7% | ||
| Q1 25 | — | 48.0% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 51.1% | ||
| Q2 24 | — | 47.6% | ||
| Q1 24 | — | 44.8% |
营业利润率CFGRCL
| Q4 25 | 31.4% | 21.9% | ||
| Q3 25 | 29.7% | 33.1% | ||
| Q2 25 | 27.2% | 29.3% | ||
| Q1 25 | 24.2% | 23.6% | ||
| Q4 24 | 25.6% | 16.6% | ||
| Q3 24 | 24.7% | 33.4% | ||
| Q2 24 | 24.5% | 26.7% | ||
| Q1 24 | 21.9% | 20.1% |
净利率CFGRCL
| Q4 25 | 24.5% | 17.7% | ||
| Q3 25 | 23.3% | 30.6% | ||
| Q2 25 | 21.4% | 26.7% | ||
| Q1 25 | 19.3% | 18.3% | ||
| Q4 24 | 20.2% | 14.7% | ||
| Q3 24 | 20.1% | 22.7% | ||
| Q2 24 | 20.0% | 20.8% | ||
| Q1 24 | 17.0% | 9.7% |
每股收益（稀释后）CFGRCL
| Q4 25 | $1.12 | $2.76 | ||
| Q3 25 | $1.05 | $5.74 | ||
| Q2 25 | $0.92 | $4.41 | ||
| Q1 25 | $0.77 | $2.70 | ||
| Q4 24 | $0.83 | $2.27 | ||
| Q3 24 | $0.77 | $4.21 | ||
| Q2 24 | $0.78 | $3.11 | ||
| Q1 24 | $0.65 | $1.35 |
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 | — | $825.0M |
| 总债务越低越好 | $11.2B | $18.2B |
| 股东权益账面价值 | $26.3B | $10.0B |
| 总资产 | $226.4B | $41.6B |
| 负债/权益比越低杠杆越低 | 0.43× | 1.81× |
8季度趋势，按日历期对齐
现金及短期投资CFGRCL
| Q4 25 | — | $825.0M | ||
| Q3 25 | — | $432.0M | ||
| Q2 25 | — | $735.0M | ||
| Q1 25 | — | $386.0M | ||
| Q4 24 | — | $388.0M | ||
| Q3 24 | — | $418.0M | ||
| Q2 24 | — | $391.0M | ||
| Q1 24 | — | $437.0M |
总债务CFGRCL
| Q4 25 | $11.2B | $18.2B | ||
| Q3 25 | $10.4B | $17.2B | ||
| Q2 25 | $12.5B | $17.6B | ||
| Q1 25 | $12.3B | $18.0B | ||
| Q4 24 | $12.4B | $18.5B | ||
| Q3 24 | $13.9B | $19.0B | ||
| Q2 24 | $13.1B | $19.8B | ||
| Q1 24 | $13.8B | $18.9B |
股东权益CFGRCL
| Q4 25 | $26.3B | $10.0B | ||
| Q3 25 | $25.8B | $10.1B | ||
| Q2 25 | $25.2B | $9.2B | ||
| Q1 25 | $24.9B | $8.0B | ||
| Q4 24 | $24.3B | $7.6B | ||
| Q3 24 | $24.9B | $7.0B | ||
| Q2 24 | $23.9B | $6.0B | ||
| Q1 24 | $23.8B | $5.2B |
总资产CFGRCL
| Q4 25 | $226.4B | $41.6B | ||
| Q3 25 | $222.7B | $40.1B | ||
| Q2 25 | $218.3B | $38.5B | ||
| Q1 25 | $220.1B | $37.5B | ||
| Q4 24 | $217.5B | $37.1B | ||
| Q3 24 | $219.7B | $37.1B | ||
| Q2 24 | $219.9B | $37.0B | ||
| Q1 24 | $220.4B | $35.2B |
负债/权益比CFGRCL
| Q4 25 | 0.43× | 1.81× | ||
| Q3 25 | 0.40× | 1.70× | ||
| Q2 25 | 0.50× | 1.92× | ||
| Q1 25 | 0.49× | 2.26× | ||
| Q4 24 | 0.51× | 2.44× | ||
| Q3 24 | 0.56× | 2.69× | ||
| Q2 24 | 0.55× | 3.29× | ||
| Q1 24 | 0.58× | 3.66× |
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 | $1.6B |
| 自由现金流经营现金流 - 资本支出 | — | $116.0M |
| 自由现金流率自由现金流/营收 | — | 2.7% |
| 资本支出强度资本支出/营收 | — | 35.4% |
| 现金转化率经营现金流/净利润 | 4.19× | 2.16× |
| 过去12个月自由现金流最近4个季度 | — | $1.2B |
8季度趋势，按日历期对齐
经营现金流CFGRCL
| Q4 25 | $2.2B | $1.6B | ||
| Q3 25 | $1.7B | $1.5B | ||
| Q2 25 | $886.0M | $1.7B | ||
| Q1 25 | $-213.0M | $1.6B | ||
| Q4 24 | $2.0B | $1.5B | ||
| Q3 24 | $130.0M | $897.0M | ||
| Q2 24 | $834.0M | $1.6B | ||
| Q1 24 | $554.0M | $1.3B |
自由现金流CFGRCL
| Q4 25 | — | $116.0M | ||
| Q3 25 | — | $-989.0M | ||
| Q2 25 | — | $910.0M | ||
| Q1 25 | — | $1.2B | ||
| Q4 24 | — | $915.0M | ||
| Q3 24 | — | $563.0M | ||
| Q2 24 | — | $-567.0M | ||
| Q1 24 | — | $1.1B |
自由现金流率CFGRCL
| Q4 25 | — | 2.7% | ||
| Q3 25 | — | -19.2% | ||
| Q2 25 | — | 20.1% | ||
| Q1 25 | — | 30.0% | ||
| Q4 24 | — | 24.3% | ||
| Q3 24 | — | 11.5% | ||
| Q2 24 | — | -13.8% | ||
| Q1 24 | — | 29.1% |
资本支出强度CFGRCL
| Q4 25 | — | 35.4% | ||
| Q3 25 | — | 47.8% | ||
| Q2 25 | — | 18.4% | ||
| Q1 25 | — | 10.7% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 6.8% | ||
| Q2 24 | — | 52.1% | ||
| Q1 24 | — | 6.5% |
现金转化率CFGRCL
| Q4 25 | 4.19× | 2.16× | ||
| Q3 25 | 3.43× | 0.93× | ||
| Q2 25 | 2.03× | 1.44× | ||
| Q1 25 | -0.57× | 2.23× | ||
| Q4 24 | 4.99× | 2.66× | ||
| Q3 24 | 0.34× | 0.81× | ||
| Q2 24 | 2.13× | 1.84× | ||
| Q1 24 | 1.66× | 3.69× |
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
RCL
| Passenger | $2.9B | 69% |
| Other | $1.3B | 31% |
