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Citizens Financial Group（CFG）与威富集团（VFC）财务数据对比。点击上方公司名可切换其他公司
威富集团的季度营收约是Citizens Financial Group的1.3倍（$2.9B vs $2.2B），Citizens Financial Group净利率更高（24.5% vs 10.5%，领先14.0%），Citizens Financial Group同比增速更快（8.6% vs 1.5%），过去两年威富集团的营收复合增速更高（10.1% 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。
威富集团前身为F.W.伍尔沃斯公司，是全球知名零售企业，也是五分一角平价商店业态的先驱之一。作为美国乃至全球最成功的平价零售企业之一，它曾引领行业发展潮流，构建了如今全球各地门店普遍遵循的现代零售模式。
CFG vs VFC — 直观对比
营收规模更大
VFC
是对方的1.3倍
$2.2B
营收增速更快
CFG
高出7.1%
1.5%
净利率更高
CFG
高出14.0%
10.5%
两年增速更快
VFC
近两年复合增速
4.9%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $2.9B |
| 净利润 | $528.0M | $300.8M |
| 毛利率 | — | 56.6% |
| 营业利润率 | 31.4% | 10.1% |
| 净利率 | 24.5% | 10.5% |
| 营收同比 | 8.6% | 1.5% |
| 净利润同比 | 31.7% | 79.3% |
| 每股收益（稀释后） | $1.12 | $0.76 |
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CFGVFC
| Q4 25 | $2.2B | $2.9B | ||
| Q3 25 | $2.1B | $2.8B | ||
| Q2 25 | $2.0B | $1.8B | ||
| Q1 25 | $1.9B | $2.0B | ||
| Q4 24 | $2.0B | $2.8B | ||
| Q3 24 | $1.9B | $2.8B | ||
| Q2 24 | $2.0B | $1.9B | ||
| Q1 24 | $2.0B | $2.4B |
净利润CFGVFC
| Q4 25 | $528.0M | $300.8M | ||
| Q3 25 | $494.0M | $189.8M | ||
| Q2 25 | $436.0M | $-116.4M | ||
| Q1 25 | $373.0M | $-150.8M | ||
| Q4 24 | $401.0M | $167.8M | ||
| Q3 24 | $382.0M | $52.2M | ||
| Q2 24 | $392.0M | $-258.9M | ||
| Q1 24 | $334.0M | $-418.3M |
毛利率CFGVFC
| Q4 25 | — | 56.6% | ||
| Q3 25 | — | 52.2% | ||
| Q2 25 | — | 53.9% | ||
| Q1 25 | — | 52.7% | ||
| Q4 24 | — | 56.3% | ||
| Q3 24 | — | 52.2% | ||
| Q2 24 | — | 52.0% | ||
| Q1 24 | — | 48.4% |
营业利润率CFGVFC
| Q4 25 | 31.4% | 10.1% | ||
| Q3 25 | 29.7% | 11.2% | ||
| Q2 25 | 27.2% | -4.9% | ||
| Q1 25 | 24.2% | 2.2% | ||
| Q4 24 | 25.6% | 8.0% | ||
| Q3 24 | 24.7% | 9.9% | ||
| Q2 24 | 24.5% | -12.6% | ||
| Q1 24 | 21.9% | -15.0% |
净利率CFGVFC
| Q4 25 | 24.5% | 10.5% | ||
| Q3 25 | 23.3% | 6.8% | ||
| Q2 25 | 21.4% | -6.6% | ||
| Q1 25 | 19.3% | -7.5% | ||
| Q4 24 | 20.2% | 5.9% | ||
| Q3 24 | 20.1% | 1.9% | ||
| Q2 24 | 20.0% | -13.6% | ||
| Q1 24 | 17.0% | -17.6% |
每股收益（稀释后）CFGVFC
| Q4 25 | $1.12 | $0.76 | ||
| Q3 25 | $1.05 | $0.48 | ||
| Q2 25 | $0.92 | $-0.30 | ||
| Q1 25 | $0.77 | $-0.37 | ||
| Q4 24 | $0.83 | $0.43 | ||
| Q3 24 | $0.77 | $0.13 | ||
| Q2 24 | $0.78 | $-0.67 | ||
| Q1 24 | $0.65 | $-1.07 |
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 | — | $1.5B |
| 总债务越低越好 | $11.2B | $3.6B |
| 股东权益账面价值 | $26.3B | $1.8B |
| 总资产 | $226.4B | $10.4B |
| 负债/权益比越低杠杆越低 | 0.43× | 1.99× |
8季度趋势，按日历期对齐
现金及短期投资CFGVFC
| Q4 25 | — | $1.5B | ||
| Q3 25 | — | $419.1M | ||
| Q2 25 | — | $642.4M | ||
| Q1 25 | — | $429.4M | ||
| Q4 24 | — | $1.4B | ||
| Q3 24 | — | $492.2M | ||
| Q2 24 | — | $637.4M | ||
| Q1 24 | — | $674.6M |
总债务CFGVFC
| Q4 25 | $11.2B | $3.6B | ||
| Q3 25 | $10.4B | $3.5B | ||
| Q2 25 | $12.5B | $3.6B | ||
| Q1 25 | $12.3B | $3.4B | ||
| Q4 24 | $12.4B | $3.9B | ||
| Q3 24 | $13.9B | $4.0B | ||
| Q2 24 | $13.1B | $3.9B | ||
| Q1 24 | $13.8B | $4.7B |
股东权益CFGVFC
| Q4 25 | $26.3B | $1.8B | ||
| Q3 25 | $25.8B | $1.5B | ||
| Q2 25 | $25.2B | $1.3B | ||
| Q1 25 | $24.9B | $1.5B | ||
| Q4 24 | $24.3B | $1.7B | ||
| Q3 24 | $24.9B | $1.4B | ||
| Q2 24 | $23.9B | $1.4B | ||
| Q1 24 | $23.8B | $1.7B |
总资产CFGVFC
| Q4 25 | $226.4B | $10.4B | ||
| Q3 25 | $222.7B | $10.6B | ||
| Q2 25 | $218.3B | $10.2B | ||
| Q1 25 | $220.1B | $9.4B | ||
| Q4 24 | $217.5B | $10.6B | ||
| Q3 24 | $219.7B | $12.2B | ||
| Q2 24 | $219.9B | $11.5B | ||
| Q1 24 | $220.4B | $11.6B |
负债/权益比CFGVFC
| Q4 25 | 0.43× | 1.99× | ||
| Q3 25 | 0.40× | 2.40× | ||
| Q2 25 | 0.50× | 2.76× | ||
| Q1 25 | 0.49× | 2.30× | ||
| Q4 24 | 0.51× | 2.31× | ||
| Q3 24 | 0.56× | 2.86× | ||
| Q2 24 | 0.55× | 2.84× | ||
| Q1 24 | 0.58× | 2.84× |
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 | $1.0B |
| 自由现金流经营现金流 - 资本支出 | — | $977.9M |
| 自由现金流率自由现金流/营收 | — | 34.0% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 现金转化率经营现金流/净利润 | 4.19× | 3.36× |
| 过去12个月自由现金流最近4个季度 | — | $357.6M |
8季度趋势，按日历期对齐
经营现金流CFGVFC
| Q4 25 | $2.2B | $1.0B | ||
| Q3 25 | $1.7B | $-227.0M | ||
| Q2 25 | $886.0M | $-145.5M | ||
| Q1 25 | $-213.0M | $-171.1M | ||
| Q4 24 | $2.0B | $918.1M | ||
| Q3 24 | $130.0M | $-301.6M | ||
| Q2 24 | $834.0M | $19.8M | ||
| Q1 24 | $554.0M | — |
自由现金流CFGVFC
| Q4 25 | — | $977.9M | ||
| Q3 25 | — | $-253.5M | ||
| Q2 25 | — | $-173.7M | ||
| Q1 25 | — | $-193.0M | ||
| Q4 24 | — | $899.7M | ||
| Q3 24 | — | $-322.4M | ||
| Q2 24 | — | $-5.4M | ||
| Q1 24 | — | — |
自由现金流率CFGVFC
| Q4 25 | — | 34.0% | ||
| Q3 25 | — | -9.0% | ||
| Q2 25 | — | -9.9% | ||
| Q1 25 | — | -9.6% | ||
| Q4 24 | — | 31.7% | ||
| Q3 24 | — | -11.7% | ||
| Q2 24 | — | -0.3% | ||
| Q1 24 | — | — |
资本支出强度CFGVFC
| Q4 25 | — | 1.1% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 1.6% | ||
| Q1 25 | — | 1.1% | ||
| Q4 24 | — | 0.6% | ||
| Q3 24 | — | 0.8% | ||
| Q2 24 | — | 1.3% | ||
| Q1 24 | — | — |
现金转化率CFGVFC
| Q4 25 | 4.19× | 3.36× | ||
| Q3 25 | 3.43× | -1.20× | ||
| Q2 25 | 2.03× | — | ||
| Q1 25 | -0.57× | — | ||
| Q4 24 | 4.99× | 5.47× | ||
| Q3 24 | 0.34× | -5.78× | ||
| Q2 24 | 2.13× | — | ||
| 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
VFC
| Outdoor | $1.9B | 67% |
| Sales Channel Through Intermediary | $813.4M | 28% |
| Other | $136.3M | 5% |
