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Citizens Financial Group（CFG）与Toast, Inc.（TOST）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Toast, Inc.的1.3倍（$2.2B vs $1.6B），Citizens Financial Group净利率更高（23.8% vs 6.2%，领先17.7%），Toast, Inc.同比增速更快（22.0% vs 12.0%），过去两年Toast, Inc.的营收复合增速更高（23.3% vs 5.1%）
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。
Toast, Inc.是总部位于美国马萨诸塞州波士顿的云餐饮管理软件企业，主打基于安卓操作系统研发的一体化销售点（POS）系统，可为餐饮商家提供涵盖收银、订单管理等在内的全场景门店经营解决方案。
CFG vs TOST — 直观对比
营收规模更大
CFG
是对方的1.3倍
$1.6B
营收增速更快
TOST
高出10.0%
12.0%
净利率更高
CFG
高出17.7%
6.2%
两年增速更快
TOST
近两年复合增速
5.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.6B |
| 净利润 | $517.0M | $101.0M |
| 毛利率 | — | 25.9% |
| 营业利润率 | — | 5.2% |
| 净利率 | 23.8% | 6.2% |
| 营收同比 | 12.0% | 22.0% |
| 净利润同比 | 38.6% | 215.6% |
| 每股收益（稀释后） | $1.13 | $0.18 |
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CFGTOST
| Q1 26 | $2.2B | — | ||
| Q4 25 | $2.2B | $1.6B | ||
| Q3 25 | $2.1B | $1.6B | ||
| Q2 25 | $2.0B | $1.6B | ||
| Q1 25 | $1.9B | $1.3B | ||
| Q4 24 | $2.0B | $1.3B | ||
| Q3 24 | $1.9B | $1.3B | ||
| Q2 24 | $2.0B | $1.2B |
净利润CFGTOST
| Q1 26 | $517.0M | — | ||
| Q4 25 | $528.0M | $101.0M | ||
| Q3 25 | $494.0M | $105.0M | ||
| Q2 25 | $436.0M | $80.0M | ||
| Q1 25 | $373.0M | $56.0M | ||
| Q4 24 | $401.0M | $32.0M | ||
| Q3 24 | $382.0M | $56.0M | ||
| Q2 24 | $392.0M | $14.0M |
毛利率CFGTOST
| Q1 26 | — | — | ||
| Q4 25 | — | 25.9% | ||
| Q3 25 | — | 26.5% | ||
| Q2 25 | — | 25.3% | ||
| Q1 25 | — | 25.9% | ||
| Q4 24 | — | 24.9% | ||
| Q3 24 | — | 24.7% | ||
| Q2 24 | — | 23.0% |
营业利润率CFGTOST
| Q1 26 | — | — | ||
| Q4 25 | 31.4% | 5.2% | ||
| Q3 25 | 29.7% | 5.1% | ||
| Q2 25 | 27.2% | 5.2% | ||
| Q1 25 | 24.2% | 3.2% | ||
| Q4 24 | 25.6% | 2.5% | ||
| Q3 24 | 24.7% | 2.6% | ||
| Q2 24 | 24.5% | 0.4% |
净利率CFGTOST
| Q1 26 | 23.8% | — | ||
| Q4 25 | 24.5% | 6.2% | ||
| Q3 25 | 23.3% | 6.4% | ||
| Q2 25 | 21.4% | 5.2% | ||
| Q1 25 | 19.3% | 4.2% | ||
| Q4 24 | 20.2% | 2.4% | ||
| Q3 24 | 20.1% | 4.3% | ||
| Q2 24 | 20.0% | 1.1% |
每股收益（稀释后）CFGTOST
| Q1 26 | $1.13 | — | ||
| Q4 25 | $1.12 | $0.18 | ||
| Q3 25 | $1.05 | $0.16 | ||
| Q2 25 | $0.92 | $0.13 | ||
| Q1 25 | $0.77 | $0.09 | ||
| Q4 24 | $0.83 | $0.09 | ||
| Q3 24 | $0.77 | $0.07 | ||
| Q2 24 | $0.78 | $0.02 |
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 | — | — |
| 股东权益账面价值 | $26.2B | $2.1B |
| 总资产 | $227.9B | $3.1B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CFGTOST
| Q1 26 | — | — | ||
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.4B | ||
| Q2 25 | — | $1.2B | ||
| Q1 25 | — | $1.0B | ||
| Q4 24 | — | $903.0M | ||
| Q3 24 | — | $761.0M | ||
| Q2 24 | — | $691.0M |
总债务CFGTOST
| 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CFGTOST
| Q1 26 | $26.2B | — | ||
| Q4 25 | $26.3B | $2.1B | ||
| Q3 25 | $25.8B | $2.0B | ||
| Q2 25 | $25.2B | $1.8B | ||
| Q1 25 | $24.9B | $1.7B | ||
| Q4 24 | $24.3B | $1.5B | ||
| Q3 24 | $24.9B | $1.4B | ||
| Q2 24 | $23.9B | $1.3B |
总资产CFGTOST
| Q1 26 | $227.9B | — | ||
| Q4 25 | $226.4B | $3.1B | ||
| Q3 25 | $222.7B | $3.0B | ||
| Q2 25 | $218.3B | $2.8B | ||
| Q1 25 | $220.1B | $2.6B | ||
| Q4 24 | $217.5B | $2.4B | ||
| Q3 24 | $219.7B | $2.2B | ||
| Q2 24 | $219.9B | $2.2B |
负债/权益比CFGTOST
| 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 | — | $194.0M |
| 自由现金流经营现金流 - 资本支出 | — | $178.0M |
| 自由现金流率自由现金流/营收 | — | 10.9% |
| 资本支出强度资本支出/营收 | — | 1.0% |
| 现金转化率经营现金流/净利润 | — | 1.92× |
| 过去12个月自由现金流最近4个季度 | — | $608.0M |
8季度趋势，按日历期对齐
经营现金流CFGTOST
| Q1 26 | — | — | ||
| Q4 25 | $2.2B | $194.0M | ||
| Q3 25 | $1.7B | $165.0M | ||
| Q2 25 | $886.0M | $223.0M | ||
| Q1 25 | $-213.0M | $79.0M | ||
| Q4 24 | $2.0B | $147.0M | ||
| Q3 24 | $130.0M | $109.0M | ||
| Q2 24 | $834.0M | $124.0M |
自由现金流CFGTOST
| Q1 26 | — | — | ||
| Q4 25 | — | $178.0M | ||
| Q3 25 | — | $153.0M | ||
| Q2 25 | — | $208.0M | ||
| Q1 25 | — | $69.0M | ||
| Q4 24 | — | $134.0M | ||
| Q3 24 | — | $97.0M | ||
| Q2 24 | — | $108.0M |
自由现金流率CFGTOST
| Q1 26 | — | — | ||
| Q4 25 | — | 10.9% | ||
| Q3 25 | — | 9.4% | ||
| Q2 25 | — | 13.4% | ||
| Q1 25 | — | 5.2% | ||
| Q4 24 | — | 10.0% | ||
| Q3 24 | — | 7.4% | ||
| Q2 24 | — | 8.7% |
资本支出强度CFGTOST
| Q1 26 | — | — | ||
| Q4 25 | — | 1.0% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 0.7% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | 1.3% |
现金转化率CFGTOST
| Q1 26 | — | — | ||
| Q4 25 | 4.19× | 1.92× | ||
| Q3 25 | 3.43× | 1.57× | ||
| Q2 25 | 2.03× | 2.79× | ||
| Q1 25 | -0.57× | 1.41× | ||
| Q4 24 | 4.99× | 4.59× | ||
| Q3 24 | 0.34× | 1.95× | ||
| Q2 24 | 2.13× | 8.86× |
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
TOST
| Technology Service | $1.3B | 82% |
| License | $256.0M | 16% |
| Product And Professional Services | $43.0M | 3% |
