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Citizens Financial Group（CFG）与罗致恒富（RHI）财务数据对比。点击上方公司名可切换其他公司
Citizens Financial Group的季度营收约是罗致恒富的1.7倍（$2.2B vs $1.3B），Citizens Financial Group同比增速更快（8.6% vs -5.8%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs -6.1%）
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。
罗致恒富是1948年成立的国际人力资源咨询机构，总部位于加利福尼亚州门洛帕克和圣拉蒙，是全球规模领先的会计与金融领域人才派遣服务商之一，在全球范围内设有超过345个办公点。
CFG vs RHI — 直观对比
营收规模更大
CFG
是对方的1.7倍
$1.3B
营收增速更快
CFG
高出14.4%
-5.8%
两年增速更快
CFG
近两年复合增速
-6.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.3B |
| 净利润 | $528.0M | — |
| 毛利率 | — | 37.6% |
| 营业利润率 | 31.4% | 1.7% |
| 净利率 | 24.5% | — |
| 营收同比 | 8.6% | -5.8% |
| 净利润同比 | 31.7% | — |
| 每股收益（稀释后） | $1.12 | $0.32 |
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CFGRHI
| Q4 25 | $2.2B | $1.3B | ||
| Q3 25 | $2.1B | $1.4B | ||
| Q2 25 | $2.0B | $1.4B | ||
| Q1 25 | $1.9B | $1.4B | ||
| Q4 24 | $2.0B | $1.4B | ||
| Q3 24 | $1.9B | $1.5B | ||
| Q2 24 | $2.0B | $1.5B | ||
| Q1 24 | $2.0B | $1.5B |
净利润CFGRHI
| Q4 25 | $528.0M | — | ||
| Q3 25 | $494.0M | $42.9M | ||
| Q2 25 | $436.0M | $41.0M | ||
| Q1 25 | $373.0M | $17.4M | ||
| Q4 24 | $401.0M | — | ||
| Q3 24 | $382.0M | $65.5M | ||
| Q2 24 | $392.0M | $68.2M | ||
| Q1 24 | $334.0M | $63.7M |
毛利率CFGRHI
| Q4 25 | — | 37.6% | ||
| Q3 25 | — | 37.2% | ||
| Q2 25 | — | 37.2% | ||
| Q1 25 | — | 36.9% | ||
| Q4 24 | — | 38.8% | ||
| Q3 24 | — | 39.0% | ||
| Q2 24 | — | 39.2% | ||
| Q1 24 | — | 38.1% |
营业利润率CFGRHI
| Q4 25 | 31.4% | 1.7% | ||
| Q3 25 | 29.7% | 1.0% | ||
| Q2 25 | 27.2% | 0.1% | ||
| Q1 25 | 24.2% | 2.9% | ||
| Q4 24 | 25.6% | 4.7% | ||
| Q3 24 | 24.7% | 4.1% | ||
| Q2 24 | 24.5% | 5.1% | ||
| Q1 24 | 21.9% | 2.8% |
净利率CFGRHI
| Q4 25 | 24.5% | — | ||
| Q3 25 | 23.3% | 3.2% | ||
| Q2 25 | 21.4% | 3.0% | ||
| Q1 25 | 19.3% | 1.3% | ||
| Q4 24 | 20.2% | — | ||
| Q3 24 | 20.1% | 4.5% | ||
| Q2 24 | 20.0% | 4.6% | ||
| Q1 24 | 17.0% | 4.3% |
每股收益（稀释后）CFGRHI
| Q4 25 | $1.12 | $0.32 | ||
| Q3 25 | $1.05 | $0.43 | ||
| Q2 25 | $0.92 | $0.41 | ||
| Q1 25 | $0.77 | $0.17 | ||
| Q4 24 | $0.83 | $0.53 | ||
| Q3 24 | $0.77 | $0.64 | ||
| Q2 24 | $0.78 | $0.66 | ||
| Q1 24 | $0.65 | $0.61 |
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 | — | $464.4M |
| 总债务越低越好 | $11.2B | — |
| 股东权益账面价值 | $26.3B | $1.3B |
| 总资产 | $226.4B | $2.9B |
| 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CFGRHI
| Q4 25 | — | $464.4M | ||
| Q3 25 | — | $365.3M | ||
| Q2 25 | — | $380.5M | ||
| Q1 25 | — | $342.5M | ||
| Q4 24 | — | $537.6M | ||
| Q3 24 | — | $570.5M | ||
| Q2 24 | — | $547.4M | ||
| Q1 24 | — | $540.9M |
总债务CFGRHI
| Q4 25 | $11.2B | — | ||
| Q3 25 | $10.4B | — | ||
| Q2 25 | $12.5B | — | ||
| Q1 25 | $12.3B | — | ||
| Q4 24 | $12.4B | — | ||
| Q3 24 | $13.9B | — | ||
| Q2 24 | $13.1B | — | ||
| Q1 24 | $13.8B | — |
股东权益CFGRHI
| Q4 25 | $26.3B | $1.3B | ||
| Q3 25 | $25.8B | $1.3B | ||
| Q2 25 | $25.2B | $1.3B | ||
| Q1 25 | $24.9B | $1.3B | ||
| Q4 24 | $24.3B | $1.4B | ||
| Q3 24 | $24.9B | $1.5B | ||
| Q2 24 | $23.9B | $1.5B | ||
| Q1 24 | $23.8B | $1.5B |
总资产CFGRHI
| Q4 25 | $226.4B | $2.9B | ||
| Q3 25 | $222.7B | $2.8B | ||
| Q2 25 | $218.3B | $2.8B | ||
| Q1 25 | $220.1B | $2.7B | ||
| Q4 24 | $217.5B | $2.9B | ||
| Q3 24 | $219.7B | $3.0B | ||
| Q2 24 | $219.9B | $2.9B | ||
| Q1 24 | $220.4B | $2.9B |
负债/权益比CFGRHI
| Q4 25 | 0.43× | — | ||
| Q3 25 | 0.40× | — | ||
| Q2 25 | 0.50× | — | ||
| Q1 25 | 0.49× | — | ||
| Q4 24 | 0.51× | — | ||
| 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 | $182.5M |
| 自由现金流经营现金流 - 资本支出 | — | $170.8M |
| 自由现金流率自由现金流/营收 | — | 13.1% |
| 资本支出强度资本支出/营收 | — | 0.9% |
| 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 | — | $266.8M |
8季度趋势，按日历期对齐
经营现金流CFGRHI
| Q4 25 | $2.2B | $182.5M | ||
| Q3 25 | $1.7B | $77.4M | ||
| Q2 25 | $886.0M | $119.4M | ||
| Q1 25 | $-213.0M | $-59.3M | ||
| Q4 24 | $2.0B | $154.8M | ||
| Q3 24 | $130.0M | $129.6M | ||
| Q2 24 | $834.0M | $142.0M | ||
| Q1 24 | $554.0M | $-15.9M |
自由现金流CFGRHI
| Q4 25 | — | $170.8M | ||
| Q3 25 | — | $63.6M | ||
| Q2 25 | — | $104.2M | ||
| Q1 25 | — | $-71.7M | ||
| Q4 24 | — | $140.5M | ||
| Q3 24 | — | $111.8M | ||
| Q2 24 | — | $129.6M | ||
| Q1 24 | — | $-27.7M |
自由现金流率CFGRHI
| Q4 25 | — | 13.1% | ||
| Q3 25 | — | 4.7% | ||
| Q2 25 | — | 7.6% | ||
| Q1 25 | — | -5.3% | ||
| Q4 24 | — | 10.2% | ||
| Q3 24 | — | 7.6% | ||
| Q2 24 | — | 8.8% | ||
| Q1 24 | — | -1.9% |
资本支出强度CFGRHI
| Q4 25 | — | 0.9% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | 0.8% |
现金转化率CFGRHI
| Q4 25 | 4.19× | — | ||
| Q3 25 | 3.43× | 1.80× | ||
| Q2 25 | 2.03× | 2.91× | ||
| Q1 25 | -0.57× | -3.42× | ||
| Q4 24 | 4.99× | — | ||
| Q3 24 | 0.34× | 1.98× | ||
| Q2 24 | 2.13× | 2.08× | ||
| Q1 24 | 1.66× | -0.25× |
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
RHI
| Finance And Accounting | $535.2M | 41% |
| Protiviti | $479.0M | 37% |
| Technology | $156.4M | 12% |
| Permanent Placement Talent Solutions | $102.6M | 8% |
| Other | $29.2M | 2% |
