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Citizens Financial Group（CFG）与Rocket Companies, Inc.（RKT）财务数据对比。点击上方公司名可切换其他公司
Rocket Companies, Inc.的季度营收约是Citizens Financial Group的1.2倍（$2.7B vs $2.2B），Citizens Financial Group净利率更高（24.5% vs 2.5%，领先22.0%），Rocket Companies, Inc.同比增速更快（52.2% vs 8.6%），过去两年Rocket Companies, Inc.的营收复合增速更高（39.5% 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。
Rocket Companies, Inc.是美国金融科技及住房服务企业，由丹·吉尔伯特创立，总部位于密歇根州底特律市中心。公司依托旗舰子公司Rocket Mortgage跻身美国最大抵押贷款提供商行列，旗下还拥有Redfin、Forsalebyowner.com、Rocket Money等子品牌。
CFG vs RKT — 直观对比
营收规模更大
RKT
是对方的1.2倍
$2.2B
营收增速更快
RKT
高出43.5%
8.6%
净利率更高
CFG
高出22.0%
2.5%
两年增速更快
RKT
近两年复合增速
4.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $2.7B |
| 净利润 | $528.0M | $68.0M |
| 毛利率 | — | — |
| 营业利润率 | 31.4% | 6.3% |
| 净利率 | 24.5% | 2.5% |
| 营收同比 | 8.6% | 52.2% |
| 净利润同比 | 31.7% | 100.8% |
| 每股收益（稀释后） | $1.12 | $0.10 |
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CFGRKT
| Q4 25 | $2.2B | $2.7B | ||
| Q3 25 | $2.1B | $1.6B | ||
| Q2 25 | $2.0B | $1.4B | ||
| Q1 25 | $1.9B | $1.0B | ||
| Q4 24 | $2.0B | $1.8B | ||
| Q3 24 | $1.9B | $646.9M | ||
| Q2 24 | $2.0B | $1.3B | ||
| Q1 24 | $2.0B | $1.4B |
净利润CFGRKT
| Q4 25 | $528.0M | $68.0M | ||
| Q3 25 | $494.0M | $-123.9M | ||
| Q2 25 | $436.0M | $-1.8M | ||
| Q1 25 | $373.0M | $-10.4M | ||
| Q4 24 | $401.0M | $33.9M | ||
| Q3 24 | $382.0M | $-22.0M | ||
| Q2 24 | $392.0M | $1.3M | ||
| Q1 24 | $334.0M | $16.2M |
毛利率CFGRKT
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 58.9% | ||
| Q3 24 | — | -8.4% | ||
| Q2 24 | — | 47.4% | ||
| Q1 24 | — | 51.2% |
营业利润率CFGRKT
| Q4 25 | 31.4% | 6.3% | ||
| Q3 25 | 29.7% | -11.5% | ||
| Q2 25 | 27.2% | 1.8% | ||
| Q1 25 | 24.2% | -21.5% | ||
| Q4 24 | 25.6% | 38.1% | ||
| Q3 24 | 24.7% | -76.9% | ||
| Q2 24 | 24.5% | 14.8% | ||
| Q1 24 | 21.9% | 21.6% |
净利率CFGRKT
| Q4 25 | 24.5% | 2.5% | ||
| Q3 25 | 23.3% | -7.7% | ||
| Q2 25 | 21.4% | -0.1% | ||
| Q1 25 | 19.3% | -1.0% | ||
| Q4 24 | 20.2% | 1.9% | ||
| Q3 24 | 20.1% | -3.4% | ||
| Q2 24 | 20.0% | 0.1% | ||
| Q1 24 | 17.0% | 1.2% |
每股收益（稀释后）CFGRKT
| Q4 25 | $1.12 | $0.10 | ||
| Q3 25 | $1.05 | $-0.06 | ||
| Q2 25 | $0.92 | $-0.01 | ||
| Q1 25 | $0.77 | $-0.08 | ||
| Q4 24 | $0.83 | $0.28 | ||
| Q3 24 | $0.77 | $-0.19 | ||
| Q2 24 | $0.78 | $0.01 | ||
| Q1 24 | $0.65 | $0.11 |
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 | — | $2.7B |
| 总债务越低越好 | $11.2B | — |
| 股东权益账面价值 | $26.3B | $22.9B |
| 总资产 | $226.4B | $60.7B |
| 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CFGRKT
| Q4 25 | — | $2.7B | ||
| Q3 25 | — | $5.8B | ||
| Q2 25 | — | $5.1B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | — | $1.2B | ||
| Q2 24 | — | $1.3B | ||
| Q1 24 | — | $861.4M |
总债务CFGRKT
| 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CFGRKT
| Q4 25 | $26.3B | $22.9B | ||
| Q3 25 | $25.8B | $8.9B | ||
| Q2 25 | $25.2B | $7.4B | ||
| Q1 25 | $24.9B | $8.6B | ||
| Q4 24 | $24.3B | $9.0B | ||
| Q3 24 | $24.9B | $8.4B | ||
| Q2 24 | $23.9B | $8.8B | ||
| Q1 24 | $23.8B | $8.6B |
总资产CFGRKT
| Q4 25 | $226.4B | $60.7B | ||
| Q3 25 | $222.7B | $33.6B | ||
| Q2 25 | $218.3B | $30.4B | ||
| Q1 25 | $220.1B | $25.3B | ||
| Q4 24 | $217.5B | $24.5B | ||
| Q3 24 | $219.7B | $25.1B | ||
| Q2 24 | $219.9B | $23.6B | ||
| Q1 24 | $220.4B | $22.2B |
负债/权益比CFGRKT
| 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 | $-1.2B |
| 自由现金流经营现金流 - 资本支出 | — | $-1.3B |
| 自由现金流率自由现金流/营收 | — | -47.2% |
| 资本支出强度资本支出/营收 | — | 1.5% |
| 现金转化率经营现金流/净利润 | 4.19× | -18.08× |
| 过去12个月自由现金流最近4个季度 | — | $-4.0B |
8季度趋势，按日历期对齐
经营现金流CFGRKT
| Q4 25 | $2.2B | $-1.2B | ||
| Q3 25 | $1.7B | $-50.3M | ||
| Q2 25 | $886.0M | $-1.9B | ||
| Q1 25 | $-213.0M | $-797.0M | ||
| Q4 24 | $2.0B | $1.8B | ||
| Q3 24 | $130.0M | $-1.3B | ||
| Q2 24 | $834.0M | $-122.3M | ||
| Q1 24 | $554.0M | $-3.0B |
自由现金流CFGRKT
| Q4 25 | — | $-1.3B | ||
| Q3 25 | — | $-71.8M | ||
| Q2 25 | — | $-1.9B | ||
| Q1 25 | — | $-811.0M | ||
| Q4 24 | — | $1.8B | ||
| Q3 24 | — | $-1.4B | ||
| Q2 24 | — | $-138.3M | ||
| Q1 24 | — | $-3.0B |
自由现金流率CFGRKT
| Q4 25 | — | -47.2% | ||
| Q3 25 | — | -4.5% | ||
| Q2 25 | — | -137.2% | ||
| Q1 25 | — | -78.2% | ||
| Q4 24 | — | 103.1% | ||
| Q3 24 | — | -209.6% | ||
| Q2 24 | — | -10.6% | ||
| Q1 24 | — | -218.7% |
资本支出强度CFGRKT
| Q4 25 | — | 1.5% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 1.4% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | — | 2.9% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 1.0% |
现金转化率CFGRKT
| Q4 25 | 4.19× | -18.08× | ||
| Q3 25 | 3.43× | — | ||
| Q2 25 | 2.03× | — | ||
| Q1 25 | -0.57× | — | ||
| Q4 24 | 4.99× | 54.42× | ||
| Q3 24 | 0.34× | — | ||
| Q2 24 | 2.13× | -94.46× | ||
| Q1 24 | 1.66× | -185.80× |
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
RKT
| Other | $1.4B | 51% |
| Direct To Customer Segment | $945.8M | 35% |
| Partner Network Segment | $216.7M | 8% |
| Subscription Revenue | $91.3M | 3% |
| Closing Fees | $47.1M | 2% |
| Appraisal Revenue | $10.7M | 0% |
