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Citizens Financial Group（CFG）与TRINET GROUP, INC.（TNET）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TRINET GROUP, INC.的1.7倍（$2.2B vs $1.2B），Citizens Financial Group同比增速更快（8.6% vs -2.2%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs -0.6%）
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。
TriNet Group, Inc.是一家面向中小企业的专业雇主组织，总部位于加州都柏林，服务员工规模在3至2500人之间的各类机构。可提供薪资管理、健康福利管理服务，还能为客户提供劳动法规合规、风险降低相关咨询，可作为外包人力资源部门为企业分担人事相关事务。
CFG vs TNET — 直观对比
营收规模更大
CFG
是对方的1.7倍
$1.2B
营收增速更快
CFG
高出10.8%
-2.2%
两年增速更快
CFG
近两年复合增速
-0.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.2B |
| 净利润 | $528.0M | — |
| 毛利率 | — | — |
| 营业利润率 | 31.4% | 0.1% |
| 净利率 | 24.5% | — |
| 营收同比 | 8.6% | -2.2% |
| 净利润同比 | 31.7% | — |
| 每股收益（稀释后） | $1.12 | $0.02 |
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CFGTNET
| Q4 25 | $2.2B | $1.2B | ||
| Q3 25 | $2.1B | $1.2B | ||
| Q2 25 | $2.0B | $1.2B | ||
| 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 | $1.3B |
净利润CFGTNET
| Q4 25 | $528.0M | — | ||
| Q3 25 | $494.0M | $34.0M | ||
| Q2 25 | $436.0M | $37.0M | ||
| Q1 25 | $373.0M | $85.0M | ||
| Q4 24 | $401.0M | — | ||
| Q3 24 | $382.0M | $45.0M | ||
| Q2 24 | $392.0M | $60.0M | ||
| Q1 24 | $334.0M | $91.0M |
营业利润率CFGTNET
| Q4 25 | 31.4% | 0.1% | ||
| Q3 25 | 29.7% | 4.1% | ||
| Q2 25 | 27.2% | 4.1% | ||
| Q1 25 | 24.2% | 8.9% | ||
| Q4 24 | 25.6% | -2.9% | ||
| Q3 24 | 24.7% | 4.7% | ||
| Q2 24 | 24.5% | 6.5% | ||
| Q1 24 | 21.9% | 9.7% |
净利率CFGTNET
| Q4 25 | 24.5% | — | ||
| Q3 25 | 23.3% | 2.8% | ||
| Q2 25 | 21.4% | 3.0% | ||
| Q1 25 | 19.3% | 6.6% | ||
| Q4 24 | 20.2% | — | ||
| Q3 24 | 20.1% | 3.6% | ||
| Q2 24 | 20.0% | 4.9% | ||
| Q1 24 | 17.0% | 7.2% |
每股收益（稀释后）CFGTNET
| Q4 25 | $1.12 | $0.02 | ||
| Q3 25 | $1.05 | $0.70 | ||
| Q2 25 | $0.92 | $0.77 | ||
| Q1 25 | $0.77 | $1.71 | ||
| Q4 24 | $0.83 | $-0.44 | ||
| Q3 24 | $0.77 | $0.89 | ||
| Q2 24 | $0.78 | $1.20 | ||
| Q1 24 | $0.65 | $1.78 |
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 | — | $287.0M |
| 总债务越低越好 | $11.2B | — |
| 股东权益账面价值 | $26.3B | $54.0M |
| 总资产 | $226.4B | $3.8B |
| 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CFGTNET
| Q4 25 | — | $287.0M | ||
| Q3 25 | — | $321.0M | ||
| Q2 25 | — | $407.0M | ||
| Q1 25 | — | $349.0M | ||
| Q4 24 | — | $360.0M | ||
| Q3 24 | — | $301.0M | ||
| Q2 24 | — | $249.0M | ||
| Q1 24 | — | $383.0M |
总债务CFGTNET
| 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CFGTNET
| Q4 25 | $26.3B | $54.0M | ||
| Q3 25 | $25.8B | $110.0M | ||
| Q2 25 | $25.2B | $107.0M | ||
| Q1 25 | $24.9B | $63.0M | ||
| Q4 24 | $24.3B | $69.0M | ||
| Q3 24 | $24.9B | $129.0M | ||
| Q2 24 | $23.9B | $100.0M | ||
| Q1 24 | $23.8B | $143.0M |
总资产CFGTNET
| Q4 25 | $226.4B | $3.8B | ||
| Q3 25 | $222.7B | $3.4B | ||
| Q2 25 | $218.3B | $3.7B | ||
| Q1 25 | $220.1B | $3.8B | ||
| Q4 24 | $217.5B | $4.1B | ||
| Q3 24 | $219.7B | $3.7B | ||
| Q2 24 | $219.9B | $3.7B | ||
| Q1 24 | $220.4B | $4.0B |
负债/权益比CFGTNET
| 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 | $61.0M |
| 自由现金流经营现金流 - 资本支出 | — | $43.0M |
| 自由现金流率自由现金流/营收 | — | 3.4% |
| 资本支出强度资本支出/营收 | — | 1.4% |
| 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 | — | $234.0M |
8季度趋势，按日历期对齐
经营现金流CFGTNET
| Q4 25 | $2.2B | $61.0M | ||
| Q3 25 | $1.7B | $72.0M | ||
| Q2 25 | $886.0M | $75.0M | ||
| Q1 25 | $-213.0M | $95.0M | ||
| Q4 24 | $2.0B | $65.0M | ||
| Q3 24 | $130.0M | $84.0M | ||
| Q2 24 | $834.0M | $39.0M | ||
| Q1 24 | $554.0M | $91.0M |
自由现金流CFGTNET
| Q4 25 | — | $43.0M | ||
| Q3 25 | — | $55.0M | ||
| Q2 25 | — | $57.0M | ||
| Q1 25 | — | $79.0M | ||
| Q4 24 | — | $47.0M | ||
| Q3 24 | — | $59.0M | ||
| Q2 24 | — | $22.0M | ||
| Q1 24 | — | $73.0M |
自由现金流率CFGTNET
| Q4 25 | — | 3.4% | ||
| Q3 25 | — | 4.5% | ||
| Q2 25 | — | 4.6% | ||
| Q1 25 | — | 6.1% | ||
| Q4 24 | — | 3.7% | ||
| Q3 24 | — | 4.8% | ||
| Q2 24 | — | 1.8% | ||
| Q1 24 | — | 5.8% |
资本支出强度CFGTNET
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 1.4% | ||
| Q2 25 | — | 1.5% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 2.0% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 1.4% |
现金转化率CFGTNET
| Q4 25 | 4.19× | — | ||
| Q3 25 | 3.43× | 2.12× | ||
| Q2 25 | 2.03× | 2.03× | ||
| Q1 25 | -0.57× | 1.12× | ||
| Q4 24 | 4.99× | — | ||
| Q3 24 | 0.34× | 1.87× | ||
| Q2 24 | 2.13× | 0.65× | ||
| Q1 24 | 1.66× | 1.00× |
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
TNET
| Insurance Services | $1.1B | 85% |
| Professional Services | $169.0M | 14% |
