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Citizens Financial Group（CFG）与SHOPIFY INC.（SHOP）财务数据对比。点击上方公司名可切换其他公司
SHOPIFY INC.的季度营收约是Citizens Financial Group的1.7倍（$3.7B vs $2.2B），Citizens Financial Group净利率更高（24.5% vs 20.2%，领先4.2%），SHOPIFY INC.同比增速更快（30.6% vs 8.6%），过去两年SHOPIFY INC.的营收复合增速更高（40.5% 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。
Shopify是总部位于加拿大安大略省渥太华的跨国电商企业，运营零售POS系统及相关服务平台，全球客户超500万，2024年总交易处理额达2923亿美元，其中57%来自美国市场，服务客户包括特斯拉、路威酩轩、雀巢、百事、百威英博、红牛、凯悦等知名品牌。
CFG vs SHOP — 直观对比
营收规模更大
SHOP
是对方的1.7倍
$2.2B
营收增速更快
SHOP
高出22.0%
8.6%
净利率更高
CFG
高出4.2%
20.2%
两年增速更快
SHOP
近两年复合增速
4.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $3.7B |
| 净利润 | $528.0M | $743.0M |
| 毛利率 | — | 46.1% |
| 营业利润率 | 31.4% | 17.2% |
| 净利率 | 24.5% | 20.2% |
| 营收同比 | 8.6% | 30.6% |
| 净利润同比 | 31.7% | -42.5% |
| 每股收益（稀释后） | $1.12 | $0.58 |
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CFGSHOP
| Q4 25 | $2.2B | $3.7B | ||
| Q3 25 | $2.1B | $2.8B | ||
| Q2 25 | $2.0B | $2.7B | ||
| Q1 25 | $1.9B | $2.4B | ||
| Q4 24 | $2.0B | $2.8B | ||
| Q3 24 | $1.9B | $2.2B | ||
| Q2 24 | $2.0B | $2.0B | ||
| Q1 24 | $2.0B | $1.9B |
净利润CFGSHOP
| Q4 25 | $528.0M | $743.0M | ||
| Q3 25 | $494.0M | $264.0M | ||
| Q2 25 | $436.0M | $906.0M | ||
| Q1 25 | $373.0M | $-682.0M | ||
| Q4 24 | $401.0M | $1.3B | ||
| Q3 24 | $382.0M | $828.0M | ||
| Q2 24 | $392.0M | $171.0M | ||
| Q1 24 | $334.0M | $-273.0M |
毛利率CFGSHOP
| Q4 25 | — | 46.1% | ||
| Q3 25 | — | 48.9% | ||
| Q2 25 | — | 48.6% | ||
| Q1 25 | — | 49.5% | ||
| Q4 24 | — | 48.1% | ||
| Q3 24 | — | 51.7% | ||
| Q2 24 | — | 51.1% | ||
| Q1 24 | — | 51.4% |
营业利润率CFGSHOP
| Q4 25 | 31.4% | 17.2% | ||
| Q3 25 | 29.7% | 12.1% | ||
| Q2 25 | 27.2% | 10.9% | ||
| Q1 25 | 24.2% | 8.6% | ||
| Q4 24 | 25.6% | 16.5% | ||
| Q3 24 | 24.7% | 13.1% | ||
| Q2 24 | 24.5% | 11.8% | ||
| Q1 24 | 21.9% | 4.6% |
净利率CFGSHOP
| Q4 25 | 24.5% | 20.2% | ||
| Q3 25 | 23.3% | 9.3% | ||
| Q2 25 | 21.4% | 33.8% | ||
| Q1 25 | 19.3% | -28.9% | ||
| Q4 24 | 20.2% | 46.0% | ||
| Q3 24 | 20.1% | 38.3% | ||
| Q2 24 | 20.0% | 8.4% | ||
| Q1 24 | 17.0% | -14.7% |
每股收益（稀释后）CFGSHOP
| Q4 25 | $1.12 | $0.58 | ||
| Q3 25 | $1.05 | $0.20 | ||
| Q2 25 | $0.92 | $0.69 | ||
| Q1 25 | $0.77 | $-0.53 | ||
| Q4 24 | $0.83 | $0.99 | ||
| Q3 24 | $0.77 | $0.64 | ||
| Q2 24 | $0.78 | $0.13 | ||
| Q1 24 | $0.65 | $-0.21 |
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 | — | $5.8B |
| 总债务越低越好 | $11.2B | — |
| 股东权益账面价值 | $26.3B | $13.5B |
| 总资产 | $226.4B | $15.2B |
| 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CFGSHOP
| Q4 25 | — | $5.8B | ||
| Q3 25 | — | $6.3B | ||
| Q2 25 | — | $5.8B | ||
| Q1 25 | — | $5.5B | ||
| Q4 24 | — | $5.5B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
总债务CFGSHOP
| 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CFGSHOP
| Q4 25 | $26.3B | $13.5B | ||
| Q3 25 | $25.8B | $12.5B | ||
| Q2 25 | $25.2B | $12.1B | ||
| Q1 25 | $24.9B | $11.1B | ||
| Q4 24 | $24.3B | $11.6B | ||
| Q3 24 | $24.9B | $10.1B | ||
| Q2 24 | $23.9B | $9.2B | ||
| Q1 24 | $23.8B | $8.9B |
总资产CFGSHOP
| Q4 25 | $226.4B | $15.2B | ||
| Q3 25 | $222.7B | $15.0B | ||
| Q2 25 | $218.3B | $14.6B | ||
| Q1 25 | $220.1B | $13.4B | ||
| Q4 24 | $217.5B | $13.9B | ||
| Q3 24 | $219.7B | — | ||
| Q2 24 | $219.9B | — | ||
| Q1 24 | $220.4B | — |
负债/权益比CFGSHOP
| 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 | $725.0M |
| 自由现金流经营现金流 - 资本支出 | — | $715.0M |
| 自由现金流率自由现金流/营收 | — | 19.5% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 现金转化率经营现金流/净利润 | 4.19× | 0.98× |
| 过去12个月自由现金流最近4个季度 | — | $2.0B |
8季度趋势，按日历期对齐
经营现金流CFGSHOP
| Q4 25 | $2.2B | $725.0M | ||
| Q3 25 | $1.7B | $513.0M | ||
| Q2 25 | $886.0M | $428.0M | ||
| Q1 25 | $-213.0M | $367.0M | ||
| Q4 24 | $2.0B | $615.0M | ||
| Q3 24 | $130.0M | $423.0M | ||
| Q2 24 | $834.0M | $340.0M | ||
| Q1 24 | $554.0M | $238.0M |
自由现金流CFGSHOP
| Q4 25 | — | $715.0M | ||
| Q3 25 | — | $507.0M | ||
| Q2 25 | — | $422.0M | ||
| Q1 25 | — | $363.0M | ||
| Q4 24 | — | $611.0M | ||
| Q3 24 | — | $421.0M | ||
| Q2 24 | — | $333.0M | ||
| Q1 24 | — | $232.0M |
自由现金流率CFGSHOP
| Q4 25 | — | 19.5% | ||
| Q3 25 | — | 17.8% | ||
| Q2 25 | — | 15.7% | ||
| Q1 25 | — | 15.4% | ||
| Q4 24 | — | 21.7% | ||
| Q3 24 | — | 19.5% | ||
| Q2 24 | — | 16.3% | ||
| Q1 24 | — | 12.5% |
资本支出强度CFGSHOP
| Q4 25 | — | 0.3% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.3% | ||
| Q1 24 | — | 0.3% |
现金转化率CFGSHOP
| Q4 25 | 4.19× | 0.98× | ||
| Q3 25 | 3.43× | 1.94× | ||
| Q2 25 | 2.03× | 0.47× | ||
| Q1 25 | -0.57× | — | ||
| Q4 24 | 4.99× | 0.48× | ||
| Q3 24 | 0.34× | 0.51× | ||
| Q2 24 | 2.13× | 1.99× | ||
| Q1 24 | 1.66× | — |
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
SHOP
| Services | $2.9B | 79% |
| Subscription And Circulation | $777.0M | 21% |
