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CULLEN/FROST BANKERS, INC.（CFR）与Voya Financial, Inc.（VOYA）财务数据对比。点击上方公司名可切换其他公司
Voya Financial, Inc.的季度营收约是CULLEN/FROST BANKERS, INC.的1.0倍（$603.0M vs $580.9M），CULLEN/FROST BANKERS, INC.净利率更高（28.6% vs 23.2%，领先5.4%），CULLEN/FROST BANKERS, INC.同比增速更快（8.3% vs 7.5%），过去两年Voya Financial, Inc.的营收复合增速更高（7.8% vs 7.6%）
Frost Bank是总部位于美国圣安东尼奥的德克萨斯州特许银行，为银行控股公司卡伦/弗罗斯特银行家集团的核心子公司。其在得克萨斯州共设有200家营业网点、1750台自动柜员机，按总资产规模统计位列全美前60大银行之列。
Voya Financial是总部位于美国纽约的金融服务机构，业务覆盖退休规划、投资管理及保险领域。其前身为ING集团美国运营子公司，2013年完成分拆并通过首次公开募股获得独立资金支持，2014年4月正式启用Voya Financial品牌，旗下前身机构最早在1970年代就已进入美国市场。
CFR vs VOYA — 直观对比
营收规模更大
VOYA
是对方的1.0倍
$580.9M
营收增速更快
CFR
高出0.8%
7.5%
净利率更高
CFR
高出5.4%
23.2%
两年增速更快
VOYA
近两年复合增速
7.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $580.9M | $603.0M |
| 净利润 | $166.3M | $140.0M |
| 毛利率 | — | — |
| 营业利润率 | 34.1% | 28.0% |
| 净利率 | 28.6% | 23.2% |
| 营收同比 | 8.3% | 7.5% |
| 净利润同比 | 7.4% | 44.3% |
| 每股收益（稀释后） | $2.56 | $1.41 |
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CFRVOYA
| Q4 25 | $580.9M | $603.0M | ||
| Q3 25 | $567.3M | $572.0M | ||
| Q2 25 | $546.9M | $542.0M | ||
| Q1 25 | $540.2M | $538.0M | ||
| Q4 24 | $536.3M | $561.0M | ||
| Q3 24 | $518.0M | $542.0M | ||
| Q2 24 | $507.9M | $528.0M | ||
| Q1 24 | $501.4M | $519.0M |
净利润CFRVOYA
| Q4 25 | $166.3M | $140.0M | ||
| Q3 25 | $174.4M | $192.0M | ||
| Q2 25 | $157.0M | $166.0M | ||
| Q1 25 | $150.9M | $156.0M | ||
| Q4 24 | $154.9M | $97.0M | ||
| Q3 24 | $146.5M | $114.0M | ||
| Q2 24 | $145.5M | $205.0M | ||
| Q1 24 | $135.7M | $251.0M |
营业利润率CFRVOYA
| Q4 25 | 34.1% | 28.0% | ||
| Q3 25 | 36.7% | 53.7% | ||
| Q2 25 | 34.1% | 34.7% | ||
| Q1 25 | 33.2% | 32.2% | ||
| Q4 24 | 34.3% | 21.4% | ||
| Q3 24 | 33.8% | 21.4% | ||
| Q2 24 | 34.5% | 52.3% | ||
| Q1 24 | 32.2% | 55.3% |
净利率CFRVOYA
| Q4 25 | 28.6% | 23.2% | ||
| Q3 25 | 30.7% | 33.6% | ||
| Q2 25 | 28.7% | 30.6% | ||
| Q1 25 | 27.9% | 29.0% | ||
| Q4 24 | 28.9% | 17.3% | ||
| Q3 24 | 28.3% | 21.0% | ||
| Q2 24 | 28.6% | 38.8% | ||
| Q1 24 | 27.1% | 48.4% |
每股收益（稀释后）CFRVOYA
| Q4 25 | $2.56 | $1.41 | ||
| Q3 25 | $2.67 | $1.80 | ||
| Q2 25 | $2.39 | $1.66 | ||
| Q1 25 | $2.30 | $1.42 | ||
| Q4 24 | $2.36 | $0.99 | ||
| Q3 24 | $2.24 | $0.98 | ||
| Q2 24 | $2.21 | $1.96 | ||
| Q1 24 | $2.06 | $2.24 |
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 | — | — |
| 总债务越低越好 | — | $2.1B |
| 股东权益账面价值 | $4.6B | $5.0B |
| 总资产 | $53.0B | $178.9B |
| 负债/权益比越低杠杆越低 | — | 0.42× |
8季度趋势，按日历期对齐
总债务CFRVOYA
| Q4 25 | — | $2.1B | ||
| Q3 25 | — | $2.1B | ||
| Q2 25 | — | $2.1B | ||
| Q1 25 | — | $2.1B | ||
| Q4 24 | — | $2.5B | ||
| Q3 24 | — | $2.5B | ||
| Q2 24 | — | $2.1B | ||
| Q1 24 | — | $2.1B |
股东权益CFRVOYA
| Q4 25 | $4.6B | $5.0B | ||
| Q3 25 | $4.5B | $5.0B | ||
| Q2 25 | $4.2B | $4.6B | ||
| Q1 25 | $4.1B | $4.4B | ||
| Q4 24 | $3.9B | $4.0B | ||
| Q3 24 | $4.1B | $4.7B | ||
| Q2 24 | $3.7B | $4.0B | ||
| Q1 24 | $3.6B | $4.2B |
总资产CFRVOYA
| Q4 25 | $53.0B | $178.9B | ||
| Q3 25 | $52.5B | $177.4B | ||
| Q2 25 | $51.4B | $172.4B | ||
| Q1 25 | $52.0B | $163.9B | ||
| Q4 24 | $52.5B | $163.9B | ||
| Q3 24 | $51.0B | $166.9B | ||
| Q2 24 | $48.8B | $161.3B | ||
| Q1 24 | $49.5B | $161.6B |
负债/权益比CFRVOYA
| Q4 25 | — | 0.42× | ||
| Q3 25 | — | 0.42× | ||
| Q2 25 | — | 0.45× | ||
| Q1 25 | — | 0.48× | ||
| Q4 24 | — | 0.62× | ||
| Q3 24 | — | 0.53× | ||
| Q2 24 | — | 0.52× | ||
| Q1 24 | — | 0.51× |
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 | $274.0M | $557.0M |
| 自由现金流经营现金流 - 资本支出 | $127.3M | — |
| 自由现金流率自由现金流/营收 | 21.9% | — |
| 资本支出强度资本支出/营收 | 25.2% | — |
| 现金转化率经营现金流/净利润 | 1.65× | 3.98× |
| 过去12个月自由现金流最近4个季度 | $116.4M | — |
8季度趋势，按日历期对齐
经营现金流CFRVOYA
| Q4 25 | $274.0M | $557.0M | ||
| Q3 25 | $248.6M | $168.0M | ||
| Q2 25 | $140.8M | $742.0M | ||
| Q1 25 | $-296.1M | $-179.0M | ||
| Q4 24 | $989.5M | $79.0M | ||
| Q3 24 | $307.2M | $719.0M | ||
| Q2 24 | $129.6M | $316.0M | ||
| Q1 24 | $488.4M | $231.0M |
自由现金流CFRVOYA
| Q4 25 | $127.3M | — | ||
| Q3 25 | $211.7M | — | ||
| Q2 25 | $114.5M | — | ||
| Q1 25 | $-337.1M | — | ||
| Q4 24 | $861.8M | — | ||
| Q3 24 | $281.9M | — | ||
| Q2 24 | $103.0M | — | ||
| Q1 24 | $450.3M | — |
自由现金流率CFRVOYA
| Q4 25 | 21.9% | — | ||
| Q3 25 | 37.3% | — | ||
| Q2 25 | 20.9% | — | ||
| Q1 25 | -62.4% | — | ||
| Q4 24 | 160.7% | — | ||
| Q3 24 | 54.4% | — | ||
| Q2 24 | 20.3% | — | ||
| Q1 24 | 89.8% | — |
资本支出强度CFRVOYA
| Q4 25 | 25.2% | — | ||
| Q3 25 | 6.5% | — | ||
| Q2 25 | 4.8% | — | ||
| Q1 25 | 7.6% | — | ||
| Q4 24 | 23.8% | — | ||
| Q3 24 | 4.9% | — | ||
| Q2 24 | 5.2% | — | ||
| Q1 24 | 7.6% | — |
现金转化率CFRVOYA
| Q4 25 | 1.65× | 3.98× | ||
| Q3 25 | 1.43× | 0.88× | ||
| Q2 25 | 0.90× | 4.47× | ||
| Q1 25 | -1.96× | -1.15× | ||
| Q4 24 | 6.39× | 0.81× | ||
| Q3 24 | 2.10× | 6.31× | ||
| Q2 24 | 0.89× | 1.54× | ||
| Q1 24 | 3.60× | 0.92× |
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
CFR
暂无分部数据
VOYA
| Other | $295.0M | 49% |
| Investment Management Segment | $274.0M | 45% |
| Distribution Fees Member | $34.0M | 6% |
