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Citizens Financial Group（CFG）与Williams-Sonoma, Inc.（WSM）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Williams-Sonoma, Inc.的1.1倍（$2.2B vs $1.9B），Citizens Financial Group净利率更高（24.5% vs 12.8%，领先11.6%），Citizens Financial Group同比增速更快（8.6% vs 4.6%），过去两年Citizens Financial Group的营收复合增速更高（4.9% vs -9.1%）
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。
Williams-Sonoma, Inc.是美国知名家居零售企业，1956年由查尔斯·E·威廉姆斯创立，主营高品质炊具、家居家电、家居软装等多元品类产品，在家居消费领域拥有广泛的用户基础与较高的市场认可度。
CFG vs WSM — 直观对比
营收规模更大
CFG
是对方的1.1倍
$1.9B
营收增速更快
CFG
高出4.0%
4.6%
净利率更高
CFG
高出11.6%
12.8%
两年增速更快
CFG
近两年复合增速
-9.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $1.9B |
| 净利润 | $528.0M | $241.6M |
| 毛利率 | — | 46.1% |
| 营业利润率 | 31.4% | 17.0% |
| 净利率 | 24.5% | 12.8% |
| 营收同比 | 8.6% | 4.6% |
| 净利润同比 | 31.7% | -3.0% |
| 每股收益（稀释后） | $1.12 | $1.96 |
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CFGWSM
| Q4 25 | $2.2B | $1.9B | ||
| Q3 25 | $2.1B | $1.8B | ||
| Q2 25 | $2.0B | $1.7B | ||
| Q1 25 | $1.9B | $2.5B | ||
| Q4 24 | $2.0B | $1.8B | ||
| Q3 24 | $1.9B | $1.8B | ||
| Q2 24 | $2.0B | $1.7B | ||
| Q1 24 | $2.0B | $2.3B |
净利润CFGWSM
| Q4 25 | $528.0M | $241.6M | ||
| Q3 25 | $494.0M | $247.6M | ||
| Q2 25 | $436.0M | $231.3M | ||
| Q1 25 | $373.0M | $384.9M | ||
| Q4 24 | $401.0M | $249.0M | ||
| Q3 24 | $382.0M | $225.7M | ||
| Q2 24 | $392.0M | $265.7M | ||
| Q1 24 | $334.0M | $354.4M |
毛利率CFGWSM
| Q4 25 | — | 46.1% | ||
| Q3 25 | — | 47.1% | ||
| Q2 25 | — | 44.3% | ||
| Q1 25 | — | 45.2% | ||
| Q4 24 | — | 46.7% | ||
| Q3 24 | — | 46.2% | ||
| Q2 24 | — | 48.3% | ||
| Q1 24 | — | 46.0% |
营业利润率CFGWSM
| Q4 25 | 31.4% | 17.0% | ||
| Q3 25 | 29.7% | 17.9% | ||
| Q2 25 | 27.2% | 16.8% | ||
| Q1 25 | 24.2% | 20.1% | ||
| Q4 24 | 25.6% | 17.8% | ||
| Q3 24 | 24.7% | 16.2% | ||
| Q2 24 | 24.5% | 19.5% | ||
| Q1 24 | 21.9% | 20.1% |
净利率CFGWSM
| Q4 25 | 24.5% | 12.8% | ||
| Q3 25 | 23.3% | 13.5% | ||
| Q2 25 | 21.4% | 13.4% | ||
| Q1 25 | 19.3% | 15.6% | ||
| Q4 24 | 20.2% | 13.8% | ||
| Q3 24 | 20.1% | 12.6% | ||
| Q2 24 | 20.0% | 16.0% | ||
| Q1 24 | 17.0% | 15.6% |
每股收益（稀释后）CFGWSM
| Q4 25 | $1.12 | $1.96 | ||
| Q3 25 | $1.05 | $2.00 | ||
| Q2 25 | $0.92 | $1.85 | ||
| Q1 25 | $0.77 | $1.02 | ||
| Q4 24 | $0.83 | $1.96 | ||
| Q3 24 | $0.77 | $1.74 | ||
| Q2 24 | $0.78 | $4.07 | ||
| Q1 24 | $0.65 | $5.42 |
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 | — | $884.7M |
| 总债务越低越好 | $11.2B | — |
| 股东权益账面价值 | $26.3B | $2.1B |
| 总资产 | $226.4B | $5.3B |
| 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CFGWSM
| Q4 25 | — | $884.7M | ||
| Q3 25 | — | $985.8M | ||
| Q2 25 | — | $1.0B | ||
| Q1 25 | — | $1.2B | ||
| Q4 24 | — | $826.8M | ||
| Q3 24 | — | $1.3B | ||
| Q2 24 | — | $1.3B | ||
| Q1 24 | — | $1.3B |
总债务CFGWSM
| 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CFGWSM
| Q4 25 | $26.3B | $2.1B | ||
| Q3 25 | $25.8B | $2.1B | ||
| Q2 25 | $25.2B | $2.2B | ||
| Q1 25 | $24.9B | $2.1B | ||
| Q4 24 | $24.3B | $1.9B | ||
| Q3 24 | $24.9B | $2.3B | ||
| Q2 24 | $23.9B | $2.2B | ||
| Q1 24 | $23.8B | $2.1B |
总资产CFGWSM
| Q4 25 | $226.4B | $5.3B | ||
| Q3 25 | $222.7B | $5.2B | ||
| Q2 25 | $218.3B | $5.2B | ||
| Q1 25 | $220.1B | $5.3B | ||
| Q4 24 | $217.5B | $5.0B | ||
| Q3 24 | $219.7B | $5.2B | ||
| Q2 24 | $219.9B | $5.2B | ||
| Q1 24 | $220.4B | $5.3B |
负债/权益比CFGWSM
| 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 | $316.3M |
| 自由现金流经营现金流 - 资本支出 | — | $248.1M |
| 自由现金流率自由现金流/营收 | — | 13.2% |
| 资本支出强度资本支出/营收 | — | 3.6% |
| 现金转化率经营现金流/净利润 | 4.19× | 1.31× |
| 过去12个月自由现金流最近4个季度 | — | $1.1B |
8季度趋势，按日历期对齐
经营现金流CFGWSM
| Q4 25 | $2.2B | $316.3M | ||
| Q3 25 | $1.7B | $282.7M | ||
| Q2 25 | $886.0M | $118.9M | ||
| Q1 25 | $-213.0M | $633.5M | ||
| Q4 24 | $2.0B | $253.5M | ||
| Q3 24 | $130.0M | $246.5M | ||
| Q2 24 | $834.0M | $226.8M | ||
| Q1 24 | $554.0M | $674.9M |
自由现金流CFGWSM
| Q4 25 | — | $248.1M | ||
| Q3 25 | — | $230.7M | ||
| Q2 25 | — | $60.7M | ||
| Q1 25 | — | $566.3M | ||
| Q4 24 | — | $170.1M | ||
| Q3 24 | — | $215.1M | ||
| Q2 24 | — | $187.3M | ||
| Q1 24 | — | $621.2M |
自由现金流率CFGWSM
| Q4 25 | — | 13.2% | ||
| Q3 25 | — | 12.6% | ||
| Q2 25 | — | 3.5% | ||
| Q1 25 | — | 23.0% | ||
| Q4 24 | — | 9.4% | ||
| Q3 24 | — | 12.0% | ||
| Q2 24 | — | 11.3% | ||
| Q1 24 | — | 27.3% |
资本支出强度CFGWSM
| Q4 25 | — | 3.6% | ||
| Q3 25 | — | 2.8% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | 2.7% | ||
| Q4 24 | — | 4.6% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 2.4% | ||
| Q1 24 | — | 2.4% |
现金转化率CFGWSM
| Q4 25 | 4.19× | 1.31× | ||
| Q3 25 | 3.43× | 1.14× | ||
| Q2 25 | 2.03× | 0.51× | ||
| Q1 25 | -0.57× | 1.65× | ||
| Q4 24 | 4.99× | 1.02× | ||
| Q3 24 | 0.34× | 1.09× | ||
| Q2 24 | 2.13× | 0.85× | ||
| Q1 24 | 1.66× | 1.90× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
