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Citizens Financial Group（CFG）与Roper Technologies（ROP）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Roper Technologies的1.0倍（$2.2B vs $2.1B），Citizens Financial Group净利率更高（24.5% vs 15.8%，领先8.7%），Roper Technologies同比增速更快（11.3% vs 8.6%），过去两年Roper Technologies的营收复合增速更高（10.5% 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。
罗珀技术公司是一家专注于科技领域的控股企业，通过持有并运营多家不同细分赛道的科技公司，在科技产业投资与资产管理领域形成了成熟的业务体系，在全球相关市场具备较高的行业影响力。
CFG vs ROP — 直观对比
营收规模更大
CFG
是对方的1.0倍
$2.1B
营收增速更快
ROP
高出2.7%
8.6%
净利率更高
CFG
高出8.7%
15.8%
两年增速更快
ROP
近两年复合增速
4.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $2.1B |
| 净利润 | $528.0M | $331.0M |
| 毛利率 | — | 69.4% |
| 营业利润率 | 31.4% | 27.2% |
| 净利率 | 24.5% | 15.8% |
| 营收同比 | 8.6% | 11.3% |
| 净利润同比 | 31.7% | 53.7% |
| 每股收益（稀释后） | $1.12 | $4.87 |
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CFGROP
| Q1 26 | — | $2.1B | ||
| Q4 25 | $2.2B | $2.1B | ||
| Q3 25 | $2.1B | $2.0B | ||
| Q2 25 | $2.0B | $1.9B | ||
| Q1 25 | $1.9B | $1.9B | ||
| Q4 24 | $2.0B | $1.9B | ||
| Q3 24 | $1.9B | $1.8B | ||
| Q2 24 | $2.0B | $1.7B |
净利润CFGROP
| Q1 26 | — | $331.0M | ||
| Q4 25 | $528.0M | $428.4M | ||
| Q3 25 | $494.0M | $398.5M | ||
| Q2 25 | $436.0M | $378.3M | ||
| Q1 25 | $373.0M | $331.1M | ||
| Q4 24 | $401.0M | $462.3M | ||
| Q3 24 | $382.0M | $367.9M | ||
| Q2 24 | $392.0M | $337.1M |
毛利率CFGROP
| Q1 26 | — | 69.4% | ||
| Q4 25 | — | 69.5% | ||
| Q3 25 | — | 69.5% | ||
| Q2 25 | — | 69.2% | ||
| Q1 25 | — | 68.7% | ||
| Q4 24 | — | 68.3% | ||
| Q3 24 | — | 69.2% | ||
| Q2 24 | — | 69.5% |
营业利润率CFGROP
| Q1 26 | — | 27.2% | ||
| Q4 25 | 31.4% | 28.6% | ||
| Q3 25 | 29.7% | 28.4% | ||
| Q2 25 | 27.2% | 28.2% | ||
| Q1 25 | 24.2% | 27.9% | ||
| Q4 24 | 25.6% | 28.0% | ||
| Q3 24 | 24.7% | 28.1% | ||
| Q2 24 | 24.5% | 28.8% |
净利率CFGROP
| Q1 26 | — | 15.8% | ||
| Q4 25 | 24.5% | 20.8% | ||
| Q3 25 | 23.3% | 19.8% | ||
| Q2 25 | 21.4% | 19.5% | ||
| Q1 25 | 19.3% | 17.6% | ||
| Q4 24 | 20.2% | 24.6% | ||
| Q3 24 | 20.1% | 20.8% | ||
| Q2 24 | 20.0% | 19.6% |
每股收益（稀释后）CFGROP
| Q1 26 | — | $4.87 | ||
| Q4 25 | $1.12 | $3.97 | ||
| Q3 25 | $1.05 | $3.68 | ||
| Q2 25 | $0.92 | $3.49 | ||
| Q1 25 | $0.77 | $3.06 | ||
| Q4 24 | $0.83 | $4.29 | ||
| Q3 24 | $0.77 | $3.40 | ||
| Q2 24 | $0.78 | $3.12 |
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 | — | $382.9M |
| 总债务越低越好 | $11.2B | $9.7B |
| 股东权益账面价值 | $26.3B | $18.8B |
| 总资产 | $226.4B | $34.6B |
| 负债/权益比越低杠杆越低 | 0.43× | 0.52× |
8季度趋势，按日历期对齐
现金及短期投资CFGROP
| Q1 26 | — | $382.9M | ||
| Q4 25 | — | $297.4M | ||
| Q3 25 | — | $320.0M | ||
| Q2 25 | — | $242.4M | ||
| Q1 25 | — | $372.8M | ||
| Q4 24 | — | $188.2M | ||
| Q3 24 | — | $269.6M | ||
| Q2 24 | — | $251.5M |
总债务CFGROP
| Q1 26 | — | $9.7B | ||
| Q4 25 | $11.2B | $9.3B | ||
| Q3 25 | $10.4B | — | ||
| Q2 25 | $12.5B | — | ||
| Q1 25 | $12.3B | — | ||
| Q4 24 | $12.4B | $7.6B | ||
| Q3 24 | $13.9B | — | ||
| Q2 24 | $13.1B | — |
股东权益CFGROP
| Q1 26 | — | $18.8B | ||
| Q4 25 | $26.3B | $19.9B | ||
| Q3 25 | $25.8B | $20.0B | ||
| Q2 25 | $25.2B | $19.6B | ||
| Q1 25 | $24.9B | $19.2B | ||
| Q4 24 | $24.3B | $18.9B | ||
| Q3 24 | $24.9B | $18.5B | ||
| Q2 24 | $23.9B | $18.1B |
总资产CFGROP
| Q1 26 | — | $34.6B | ||
| Q4 25 | $226.4B | $34.6B | ||
| Q3 25 | $222.7B | $34.6B | ||
| Q2 25 | $218.3B | $33.2B | ||
| Q1 25 | $220.1B | $31.4B | ||
| Q4 24 | $217.5B | $31.3B | ||
| Q3 24 | $219.7B | $31.6B | ||
| Q2 24 | $219.9B | $29.8B |
负债/权益比CFGROP
| Q1 26 | — | 0.52× | ||
| Q4 25 | 0.43× | 0.47× | ||
| Q3 25 | 0.40× | — | ||
| Q2 25 | 0.50× | — | ||
| Q1 25 | 0.49× | — | ||
| Q4 24 | 0.51× | 0.40× | ||
| Q3 24 | 0.56× | — | ||
| Q2 24 | 0.55× | — |
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 | — |
| 自由现金流经营现金流 - 资本支出 | — | $507.0M |
| 自由现金流率自由现金流/营收 | — | 24.2% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流CFGROP
| Q1 26 | — | — | ||
| Q4 25 | $2.2B | $738.0M | ||
| Q3 25 | $1.7B | $869.5M | ||
| Q2 25 | $886.0M | $404.1M | ||
| Q1 25 | $-213.0M | $528.7M | ||
| Q4 24 | $2.0B | $722.2M | ||
| Q3 24 | $130.0M | $755.4M | ||
| Q2 24 | $834.0M | $384.1M |
自由现金流CFGROP
| Q1 26 | — | $507.0M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
自由现金流率CFGROP
| Q1 26 | — | 24.2% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
资本支出强度CFGROP
| Q1 26 | — | 0.5% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
现金转化率CFGROP
| Q1 26 | — | — | ||
| Q4 25 | 4.19× | 1.72× | ||
| Q3 25 | 3.43× | 2.18× | ||
| Q2 25 | 2.03× | 1.07× | ||
| Q1 25 | -0.57× | 1.60× | ||
| Q4 24 | 4.99× | 1.56× | ||
| Q3 24 | 0.34× | 2.05× | ||
| Q2 24 | 2.13× | 1.14× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
