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Citizens Financial Group（CFG）与Workday, Inc.（WDAY）财务数据对比。点击上方公司名可切换其他公司
Workday, Inc.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 10.4%，领先14.1%），Workday, Inc.同比增速更快（12.6% vs 8.6%），过去两年Workday, Inc.的营收复合增速更高（12.5% 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。
Workday是全球领先的企业级云软件供应商，核心产品覆盖人力资本管理、财务管理及企业资源规划解决方案，主要服务教育、医疗、金融、科技等行业的中大型机构，业务遍布北美、欧洲、亚太等全球主要市场。
CFG vs WDAY — 直观对比
营收规模更大
WDAY
是对方的1.1倍
$2.2B
营收增速更快
WDAY
高出4.0%
8.6%
净利率更高
CFG
高出14.1%
10.4%
两年增速更快
WDAY
近两年复合增速
4.9%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $2.4B |
| 净利润 | $528.0M | $252.0M |
| 毛利率 | — | — |
| 营业利润率 | 31.4% | 10.6% |
| 净利率 | 24.5% | 10.4% |
| 营收同比 | 8.6% | 12.6% |
| 净利润同比 | 31.7% | 30.6% |
| 每股收益（稀释后） | $1.12 | $0.94 |
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CFGWDAY
| Q4 25 | $2.2B | $2.4B | ||
| Q3 25 | $2.1B | $2.3B | ||
| Q2 25 | $2.0B | $2.2B | ||
| Q1 25 | $1.9B | $2.2B | ||
| Q4 24 | $2.0B | $2.2B | ||
| Q3 24 | $1.9B | $2.1B | ||
| Q2 24 | $2.0B | $2.0B | ||
| Q1 24 | $2.0B | $1.9B |
净利润CFGWDAY
| Q4 25 | $528.0M | $252.0M | ||
| Q3 25 | $494.0M | $228.0M | ||
| Q2 25 | $436.0M | $68.0M | ||
| Q1 25 | $373.0M | $94.0M | ||
| Q4 24 | $401.0M | $193.0M | ||
| Q3 24 | $382.0M | $132.0M | ||
| Q2 24 | $392.0M | $107.0M | ||
| Q1 24 | $334.0M | $1.2B |
营业利润率CFGWDAY
| Q4 25 | 31.4% | 10.6% | ||
| Q3 25 | 29.7% | 10.6% | ||
| Q2 25 | 27.2% | 1.7% | ||
| Q1 25 | 24.2% | 3.4% | ||
| Q4 24 | 25.6% | 7.6% | ||
| Q3 24 | 24.7% | 5.3% | ||
| Q2 24 | 24.5% | 3.2% | ||
| Q1 24 | 21.9% | 4.1% |
净利率CFGWDAY
| Q4 25 | 24.5% | 10.4% | ||
| Q3 25 | 23.3% | 9.7% | ||
| Q2 25 | 21.4% | 3.0% | ||
| Q1 25 | 19.3% | 4.3% | ||
| Q4 24 | 20.2% | 8.9% | ||
| Q3 24 | 20.1% | 6.3% | ||
| Q2 24 | 20.0% | 5.4% | ||
| Q1 24 | 17.0% | 61.8% |
每股收益（稀释后）CFGWDAY
| Q4 25 | $1.12 | $0.94 | ||
| Q3 25 | $1.05 | $0.84 | ||
| Q2 25 | $0.92 | $0.25 | ||
| Q1 25 | $0.77 | $0.34 | ||
| Q4 24 | $0.83 | $0.72 | ||
| Q3 24 | $0.77 | $0.49 | ||
| Q2 24 | $0.78 | $0.40 | ||
| Q1 24 | $0.65 | $4.48 |
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 | — | $6.8B |
| 总债务越低越好 | $11.2B | — |
| 股东权益账面价值 | $26.3B | $8.9B |
| 总资产 | $226.4B | $17.8B |
| 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CFGWDAY
| Q4 25 | — | $6.8B | ||
| Q3 25 | — | $8.2B | ||
| Q2 25 | — | $8.0B | ||
| Q1 25 | — | $8.0B | ||
| Q4 24 | — | $7.2B | ||
| Q3 24 | — | $7.4B | ||
| Q2 24 | — | $7.2B | ||
| Q1 24 | — | $7.8B |
总债务CFGWDAY
| 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 | $3.0B | ||
| Q1 24 | $13.8B | $3.0B |
股东权益CFGWDAY
| Q4 25 | $26.3B | $8.9B | ||
| Q3 25 | $25.8B | $9.2B | ||
| Q2 25 | $25.2B | $8.9B | ||
| Q1 25 | $24.9B | $9.0B | ||
| Q4 24 | $24.3B | $8.6B | ||
| Q3 24 | $24.9B | $8.3B | ||
| Q2 24 | $23.9B | $8.2B | ||
| Q1 24 | $23.8B | $8.1B |
总资产CFGWDAY
| Q4 25 | $226.4B | $17.8B | ||
| Q3 25 | $222.7B | $18.0B | ||
| Q2 25 | $218.3B | $17.2B | ||
| Q1 25 | $220.1B | $18.0B | ||
| Q4 24 | $217.5B | $16.4B | ||
| Q3 24 | $219.7B | $16.2B | ||
| Q2 24 | $219.9B | $15.9B | ||
| Q1 24 | $220.4B | $16.5B |
负债/权益比CFGWDAY
| 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× | 0.37× | ||
| Q1 24 | 0.58× | 0.37× |
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 | $588.0M |
| 自由现金流经营现金流 - 资本支出 | — | $550.0M |
| 自由现金流率自由现金流/营收 | — | 22.6% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 现金转化率经营现金流/净利润 | 4.19× | 2.33× |
| 过去12个月自由现金流最近4个季度 | — | $2.6B |
8季度趋势，按日历期对齐
经营现金流CFGWDAY
| Q4 25 | $2.2B | $588.0M | ||
| Q3 25 | $1.7B | $616.0M | ||
| Q2 25 | $886.0M | $457.0M | ||
| Q1 25 | $-213.0M | $1.1B | ||
| Q4 24 | $2.0B | $406.0M | ||
| Q3 24 | $130.0M | $571.0M | ||
| Q2 24 | $834.0M | $372.0M | ||
| Q1 24 | $554.0M | $995.6M |
自由现金流CFGWDAY
| Q4 25 | — | $550.0M | ||
| Q3 25 | — | $588.0M | ||
| Q2 25 | — | $421.0M | ||
| Q1 25 | — | $1.0B | ||
| Q4 24 | — | $359.0M | ||
| Q3 24 | — | $516.0M | ||
| Q2 24 | — | $291.0M | ||
| Q1 24 | — | $947.6M |
自由现金流率CFGWDAY
| Q4 25 | — | 22.6% | ||
| Q3 25 | — | 25.0% | ||
| Q2 25 | — | 18.8% | ||
| Q1 25 | — | 46.4% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 24.7% | ||
| Q2 24 | — | 14.6% | ||
| Q1 24 | — | 49.3% |
资本支出强度CFGWDAY
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 1.6% | ||
| Q1 25 | — | 3.9% | ||
| Q4 24 | — | 2.2% | ||
| Q3 24 | — | 2.6% | ||
| Q2 24 | — | 4.1% | ||
| Q1 24 | — | 2.5% |
现金转化率CFGWDAY
| Q4 25 | 4.19× | 2.33× | ||
| Q3 25 | 3.43× | 2.70× | ||
| Q2 25 | 2.03× | 6.72× | ||
| Q1 25 | -0.57× | 11.83× | ||
| Q4 24 | 4.99× | 2.10× | ||
| Q3 24 | 0.34× | 4.33× | ||
| Q2 24 | 2.13× | 3.48× | ||
| Q1 24 | 1.66× | 0.84× |
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
WDAY
| Subscription Services | $2.2B | 92% |
| Professional Services | $188.0M | 8% |
