vs
Citizens Financial Group（CFG）与凯旋（TFIN）财务数据对比。点击上方公司名可切换其他公司
凯旋的季度营收约是Citizens Financial Group的1.1倍（$2.4B vs $2.2B），Citizens Financial Group净利率更高（24.5% vs 0.3%，领先24.2%），Citizens Financial Group同比增速更快（8.6% vs 2.6%），过去两年凯旋的营收复合增速更高（377.6% 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。
凯旋汽车公司是19至20世纪活跃于英国的汽车与发动机制造企业，品牌起源可追溯到1885年。来自纽伦堡的齐格弗里德·贝特曼在伦敦成立公司，最初从欧洲进口自行车以自有商标销售，次年商标正式定为“凯旋”，1889年开始自主生产自行车。
CFG vs TFIN — 直观对比
营收规模更大
TFIN
是对方的1.1倍
$2.2B
营收增速更快
CFG
高出6.1%
2.6%
净利率更高
CFG
高出24.2%
0.3%
两年增速更快
TFIN
近两年复合增速
4.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $2.4B |
| 净利润 | $528.0M | $6.4M |
| 毛利率 | — | 86.1% |
| 营业利润率 | 31.4% | — |
| 净利率 | 24.5% | 0.3% |
| 营收同比 | 8.6% | 2.6% |
| 净利润同比 | 31.7% | -66.9% |
| 每股收益（稀释后） | $1.12 | $0.23 |
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CFGTFIN
| Q1 26 | — | $2.4B | ||
| Q4 25 | $2.2B | $120.1M | ||
| Q3 25 | $2.1B | $109.3M | ||
| Q2 25 | $2.0B | $108.1M | ||
| Q1 25 | $1.9B | $101.6M | ||
| Q4 24 | $2.0B | $103.6M | ||
| Q3 24 | $1.9B | $106.2M | ||
| Q2 24 | $2.0B | $105.1M |
净利润CFGTFIN
| Q1 26 | — | $6.4M | ||
| Q4 25 | $528.0M | — | ||
| Q3 25 | $494.0M | $1.7M | ||
| Q2 25 | $436.0M | $4.4M | ||
| Q1 25 | $373.0M | $17.0K | ||
| Q4 24 | $401.0M | $3.8M | ||
| Q3 24 | $382.0M | $5.3M | ||
| Q2 24 | $392.0M | $2.7M |
毛利率CFGTFIN
| Q1 26 | — | 86.1% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
营业利润率CFGTFIN
| Q1 26 | — | — | ||
| Q4 25 | 31.4% | — | ||
| Q3 25 | 29.7% | 1.2% | ||
| Q2 25 | 27.2% | 7.3% | ||
| Q1 25 | 24.2% | 0.1% | ||
| Q4 24 | 25.6% | 5.6% | ||
| Q3 24 | 24.7% | 5.9% | ||
| Q2 24 | 24.5% | 3.4% |
净利率CFGTFIN
| Q1 26 | — | 0.3% | ||
| Q4 25 | 24.5% | — | ||
| Q3 25 | 23.3% | 1.6% | ||
| Q2 25 | 21.4% | 4.1% | ||
| Q1 25 | 19.3% | 0.0% | ||
| Q4 24 | 20.2% | 3.7% | ||
| Q3 24 | 20.1% | 5.0% | ||
| Q2 24 | 20.0% | 2.6% |
每股收益（稀释后）CFGTFIN
| Q1 26 | — | $0.23 | ||
| Q4 25 | $1.12 | — | ||
| Q3 25 | $1.05 | $0.04 | ||
| Q2 25 | $0.92 | $0.15 | ||
| Q1 25 | $0.77 | $-0.03 | ||
| Q4 24 | $0.83 | $0.13 | ||
| Q3 24 | $0.77 | $0.19 | ||
| Q2 24 | $0.78 | $0.08 |
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 | — | — |
| 总债务越低越好 | $11.2B | — |
| 股东权益账面价值 | $26.3B | $950.7M |
| 总资产 | $226.4B | $6.9B |
| 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CFGTFIN
| Q1 26 | — | — | ||
| Q4 25 | — | $248.5M | ||
| Q3 25 | — | $147.2M | ||
| Q2 25 | — | $282.3M | ||
| Q1 25 | — | $502.9M | ||
| Q4 24 | — | $330.1M | ||
| Q3 24 | — | $489.3M | ||
| Q2 24 | — | $500.7M |
总债务CFGTFIN
| Q1 26 | — | — | ||
| 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 | — |
股东权益CFGTFIN
| Q1 26 | — | $950.7M | ||
| Q4 25 | $26.3B | $941.8M | ||
| Q3 25 | $25.8B | $919.3M | ||
| Q2 25 | $25.2B | $912.4M | ||
| Q1 25 | $24.9B | $893.9M | ||
| Q4 24 | $24.3B | $890.9M | ||
| Q3 24 | $24.9B | $885.8M | ||
| Q2 24 | $23.9B | $874.2M |
总资产CFGTFIN
| Q1 26 | — | $6.9B | ||
| Q4 25 | $226.4B | $6.4B | ||
| Q3 25 | $222.7B | $6.4B | ||
| Q2 25 | $218.3B | $6.5B | ||
| Q1 25 | $220.1B | $6.3B | ||
| Q4 24 | $217.5B | $5.9B | ||
| Q3 24 | $219.7B | $5.9B | ||
| Q2 24 | $219.9B | $5.8B |
负债/权益比CFGTFIN
| Q1 26 | — | — | ||
| 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× | — |
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 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 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CFGTFIN
| Q1 26 | — | — | ||
| Q4 25 | $2.2B | $67.1M | ||
| Q3 25 | $1.7B | $24.4M | ||
| Q2 25 | $886.0M | $9.8M | ||
| Q1 25 | $-213.0M | $-3.6M | ||
| Q4 24 | $2.0B | $58.5M | ||
| Q3 24 | $130.0M | $26.6M | ||
| Q2 24 | $834.0M | $21.9M |
自由现金流CFGTFIN
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $22.4M | ||
| Q2 25 | — | $6.8M | ||
| Q1 25 | — | $-7.9M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $25.8M | ||
| Q2 24 | — | $-31.9M |
自由现金流率CFGTFIN
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 20.5% | ||
| Q2 25 | — | 6.2% | ||
| Q1 25 | — | -7.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 24.3% | ||
| Q2 24 | — | -30.3% |
资本支出强度CFGTFIN
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 1.8% | ||
| Q2 25 | — | 2.8% | ||
| Q1 25 | — | 4.2% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.8% | ||
| Q2 24 | — | 51.1% |
现金转化率CFGTFIN
| Q1 26 | — | — | ||
| Q4 25 | 4.19× | — | ||
| Q3 25 | 3.43× | 14.29× | ||
| Q2 25 | 2.03× | 2.22× | ||
| Q1 25 | -0.57× | -212.82× | ||
| Q4 24 | 4.99× | 15.25× | ||
| Q3 24 | 0.34× | 4.97× | ||
| Q2 24 | 2.13× | 7.95× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
