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Citizens Financial Group（CFG）与瑞思迈（RMD）财务数据对比。点击上方公司名可切换其他公司
Citizens Financial Group的季度营收约是瑞思迈的1.5倍（$2.2B vs $1.4B），瑞思迈净利率更高（27.6% vs 24.5%，领先3.1%），瑞思迈同比增速更快（11.0% vs 8.6%），过去两年瑞思迈的营收复合增速更高（9.0% 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。
瑞思迈是一家起源于澳大利亚、总部位于美国加利福尼亚州圣迭戈的医疗设备企业，主打可接入云端的呼吸类医疗设备，用于治疗睡眠呼吸暂停、慢性阻塞性肺病等呼吸道疾病，新冠疫情期间曾大量生产呼吸机等设备助力患者救治。
CFG vs RMD — 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
RMD
高出2.4%
8.6%
净利率更高
RMD
高出3.1%
24.5%
两年增速更快
RMD
近两年复合增速
4.9%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.4B |
| 净利润 | $528.0M | $392.6M |
| 毛利率 | — | 61.8% |
| 营业利润率 | 31.4% | 34.6% |
| 净利率 | 24.5% | 27.6% |
| 营收同比 | 8.6% | 11.0% |
| 净利润同比 | 31.7% | 13.9% |
| 每股收益（稀释后） | $1.12 | $2.68 |
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CFGRMD
| Q4 25 | $2.2B | $1.4B | ||
| Q3 25 | $2.1B | $1.3B | ||
| Q2 25 | $2.0B | $1.3B | ||
| Q1 25 | $1.9B | $1.3B | ||
| Q4 24 | $2.0B | $1.3B | ||
| Q3 24 | $1.9B | $1.2B | ||
| Q2 24 | $2.0B | $1.2B | ||
| Q1 24 | $2.0B | $1.2B |
净利润CFGRMD
| Q4 25 | $528.0M | $392.6M | ||
| Q3 25 | $494.0M | $348.5M | ||
| Q2 25 | $436.0M | $379.7M | ||
| Q1 25 | $373.0M | $365.0M | ||
| Q4 24 | $401.0M | $344.6M | ||
| Q3 24 | $382.0M | $311.4M | ||
| Q2 24 | $392.0M | $292.2M | ||
| Q1 24 | $334.0M | $300.5M |
毛利率CFGRMD
| Q4 25 | — | 61.8% | ||
| Q3 25 | — | 61.5% | ||
| Q2 25 | — | 60.8% | ||
| Q1 25 | — | 59.3% | ||
| Q4 24 | — | 58.6% | ||
| Q3 24 | — | 58.6% | ||
| Q2 24 | — | 58.5% | ||
| Q1 24 | — | 57.9% |
营业利润率CFGRMD
| Q4 25 | 31.4% | 34.6% | ||
| Q3 25 | 29.7% | 33.4% | ||
| Q2 25 | 27.2% | 33.7% | ||
| Q1 25 | 24.2% | 33.0% | ||
| Q4 24 | 25.6% | 32.5% | ||
| Q3 24 | 24.7% | 31.6% | ||
| Q2 24 | 24.5% | 31.2% | ||
| Q1 24 | 21.9% | 31.3% |
净利率CFGRMD
| Q4 25 | 24.5% | 27.6% | ||
| Q3 25 | 23.3% | 26.1% | ||
| Q2 25 | 21.4% | 28.2% | ||
| Q1 25 | 19.3% | 28.3% | ||
| Q4 24 | 20.2% | 26.9% | ||
| Q3 24 | 20.1% | 25.4% | ||
| Q2 24 | 20.0% | 23.9% | ||
| Q1 24 | 17.0% | 25.1% |
每股收益（稀释后）CFGRMD
| Q4 25 | $1.12 | $2.68 | ||
| Q3 25 | $1.05 | $2.37 | ||
| Q2 25 | $0.92 | $2.58 | ||
| Q1 25 | $0.77 | $2.48 | ||
| Q4 24 | $0.83 | $2.34 | ||
| Q3 24 | $0.77 | $2.11 | ||
| Q2 24 | $0.78 | $1.97 | ||
| Q1 24 | $0.65 | $2.04 |
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 | — | $1.4B |
| 总债务越低越好 | $11.2B | $403.9M |
| 股东权益账面价值 | $26.3B | $6.3B |
| 总资产 | $226.4B | $8.5B |
| 负债/权益比越低杠杆越低 | 0.43× | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资CFGRMD
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.4B | ||
| Q2 25 | — | $1.2B | ||
| Q1 25 | — | $932.7M | ||
| Q4 24 | — | $521.9M | ||
| Q3 24 | — | $426.4M | ||
| Q2 24 | — | $238.4M | ||
| Q1 24 | — | $237.9M |
总债务CFGRMD
| Q4 25 | $11.2B | $403.9M | ||
| Q3 25 | $10.4B | $408.7M | ||
| Q2 25 | $12.5B | $658.4M | ||
| Q1 25 | $12.3B | $663.1M | ||
| Q4 24 | $12.4B | $662.9M | ||
| Q3 24 | $13.9B | $667.6M | ||
| Q2 24 | $13.1B | $697.3M | ||
| Q1 24 | $13.8B | $997.0M |
股东权益CFGRMD
| Q4 25 | $26.3B | $6.3B | ||
| Q3 25 | $25.8B | $6.1B | ||
| Q2 25 | $25.2B | $6.0B | ||
| Q1 25 | $24.9B | $5.5B | ||
| Q4 24 | $24.3B | $5.3B | ||
| Q3 24 | $24.9B | $5.2B | ||
| Q2 24 | $23.9B | $4.9B | ||
| Q1 24 | $23.8B | $4.6B |
总资产CFGRMD
| Q4 25 | $226.4B | $8.5B | ||
| Q3 25 | $222.7B | $8.3B | ||
| Q2 25 | $218.3B | $8.2B | ||
| Q1 25 | $220.1B | $7.6B | ||
| Q4 24 | $217.5B | $7.1B | ||
| Q3 24 | $219.7B | $7.2B | ||
| Q2 24 | $219.9B | $6.9B | ||
| Q1 24 | $220.4B | $6.8B |
负债/权益比CFGRMD
| Q4 25 | 0.43× | 0.06× | ||
| Q3 25 | 0.40× | 0.07× | ||
| Q2 25 | 0.50× | 0.11× | ||
| Q1 25 | 0.49× | 0.12× | ||
| Q4 24 | 0.51× | 0.13× | ||
| Q3 24 | 0.56× | 0.13× | ||
| Q2 24 | 0.55× | 0.14× | ||
| Q1 24 | 0.58× | 0.22× |
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 | $339.7M |
| 自由现金流经营现金流 - 资本支出 | — | $311.2M |
| 自由现金流率自由现金流/营收 | — | 21.9% |
| 资本支出强度资本支出/营收 | — | 2.0% |
| 现金转化率经营现金流/净利润 | 4.19× | 0.87× |
| 过去12个月自由现金流最近4个季度 | — | $1.8B |
8季度趋势，按日历期对齐
经营现金流CFGRMD
| Q4 25 | $2.2B | $339.7M | ||
| Q3 25 | $1.7B | $457.3M | ||
| Q2 25 | $886.0M | $538.8M | ||
| Q1 25 | $-213.0M | $578.7M | ||
| Q4 24 | $2.0B | $308.6M | ||
| Q3 24 | $130.0M | $325.5M | ||
| Q2 24 | $834.0M | $440.1M | ||
| Q1 24 | $554.0M | $402.0M |
自由现金流CFGRMD
| Q4 25 | — | $311.2M | ||
| Q3 25 | — | $414.4M | ||
| Q2 25 | — | $508.2M | ||
| Q1 25 | — | $557.9M | ||
| Q4 24 | — | $288.0M | ||
| Q3 24 | — | $307.7M | ||
| Q2 24 | — | $415.2M | ||
| Q1 24 | — | $380.8M |
自由现金流率CFGRMD
| Q4 25 | — | 21.9% | ||
| Q3 25 | — | 31.0% | ||
| Q2 25 | — | 37.7% | ||
| Q1 25 | — | 43.2% | ||
| Q4 24 | — | 22.5% | ||
| Q3 24 | — | 25.1% | ||
| Q2 24 | — | 33.9% | ||
| Q1 24 | — | 31.8% |
资本支出强度CFGRMD
| Q4 25 | — | 2.0% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | 2.3% | ||
| Q1 25 | — | 1.6% | ||
| Q4 24 | — | 1.6% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 2.0% | ||
| Q1 24 | — | 1.8% |
现金转化率CFGRMD
| Q4 25 | 4.19× | 0.87× | ||
| Q3 25 | 3.43× | 1.31× | ||
| Q2 25 | 2.03× | 1.42× | ||
| Q1 25 | -0.57× | 1.59× | ||
| Q4 24 | 4.99× | 0.90× | ||
| Q3 24 | 0.34× | 1.05× | ||
| Q2 24 | 2.13× | 1.51× | ||
| Q1 24 | 1.66× | 1.34× |
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
RMD
| Sleep And Breathing Health | $1.3B | 88% |
| Residential Care Software | $166.9M | 12% |
