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A.O.史密斯（AOS）与Regions Financial Corporation（RF）财务数据对比。点击上方公司名可切换其他公司
Regions Financial Corporation的季度营收约是A.O.史密斯的1.4倍（$1.3B vs $912.5M），Regions Financial Corporation净利率更高（41.7% vs 13.7%，领先27.9%），Regions Financial Corporation同比增速更快（4.1% vs 0.0%），过去两年Regions Financial Corporation的营收复合增速更高（4.0% vs -3.4%）
A.O.史密斯是美国知名的家用及商用热水器、锅炉生产商，也是北美规模最大的热水器制造销售商，在亚洲市场还供应水处理和净化产品。公司在全球共有27个站点，包括北美5座生产基地，以及位于印度班加罗尔、中国南京、荷兰费尔德霍芬的工厂。
Regions Financial Corporation是美国银行控股企业，总部位于阿拉巴马州伯明翰市。公司提供零售及商业银行、信托、股票经纪、抵押贷款等服务，旗下银行业务子公司Regions Bank在美国南部和中西部15个州运营约1300家营业网点和2000台自动柜员机，服务大量当地个人及企业客户。
AOS vs RF — 直观对比
营收规模更大
RF
是对方的1.4倍
$912.5M
营收增速更快
RF
高出4.1%
0.0%
净利率更高
RF
高出27.9%
13.7%
两年增速更快
RF
近两年复合增速
-3.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $912.5M | $1.3B |
| 净利润 | $125.4M | $534.0M |
| 毛利率 | 38.4% | — |
| 营业利润率 | 17.9% | 55.3% |
| 净利率 | 13.7% | 41.7% |
| 营收同比 | 0.0% | 4.1% |
| 净利润同比 | 14.3% | 0.0% |
| 每股收益（稀释后） | $0.89 | $0.59 |
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AOSRF
| Q4 25 | $912.5M | $1.3B | ||
| Q3 25 | $942.5M | $1.3B | ||
| Q2 25 | $1.0B | $1.3B | ||
| Q1 25 | $963.9M | $1.2B | ||
| Q4 24 | $912.4M | $1.2B | ||
| Q3 24 | $902.6M | $1.2B | ||
| Q2 24 | $1.0B | $1.2B | ||
| Q1 24 | $978.8M | $1.2B |
净利润AOSRF
| Q4 25 | $125.4M | $534.0M | ||
| Q3 25 | $132.0M | $569.0M | ||
| Q2 25 | $152.2M | $563.0M | ||
| Q1 25 | $136.6M | $490.0M | ||
| Q4 24 | $109.7M | $534.0M | ||
| Q3 24 | $120.1M | $490.0M | ||
| Q2 24 | $156.2M | $501.0M | ||
| Q1 24 | $147.6M | $368.0M |
毛利率AOSRF
| Q4 25 | 38.4% | — | ||
| Q3 25 | 38.7% | — | ||
| Q2 25 | 39.3% | — | ||
| Q1 25 | 38.9% | — | ||
| Q4 24 | 37.1% | — | ||
| Q3 24 | 37.4% | — | ||
| Q2 24 | 38.7% | — | ||
| Q1 24 | 39.3% | — |
营业利润率AOSRF
| Q4 25 | 17.9% | 55.3% | ||
| Q3 25 | 18.6% | 56.3% | ||
| Q2 25 | 20.4% | 56.1% | ||
| Q1 25 | 19.1% | 52.0% | ||
| Q4 24 | 10.1% | 53.4% | ||
| Q3 24 | 19.5% | 49.9% | ||
| Q2 24 | 21.9% | 52.7% | ||
| Q1 24 | 22.0% | 39.2% |
净利率AOSRF
| Q4 25 | 13.7% | 41.7% | ||
| Q3 25 | 14.0% | 45.3% | ||
| Q2 25 | 15.0% | 44.7% | ||
| Q1 25 | 14.2% | 41.0% | ||
| Q4 24 | 12.0% | 43.4% | ||
| Q3 24 | 13.3% | 40.2% | ||
| Q2 24 | 15.2% | 42.2% | ||
| Q1 24 | 15.1% | 31.1% |
每股收益（稀释后）AOSRF
| Q4 25 | $0.89 | $0.59 | ||
| Q3 25 | $0.94 | $0.61 | ||
| Q2 25 | $1.07 | $0.59 | ||
| Q1 25 | $0.95 | $0.51 | ||
| Q4 24 | $0.75 | $0.55 | ||
| Q3 24 | $0.82 | $0.49 | ||
| Q2 24 | $1.06 | $0.52 | ||
| Q1 24 | $1.00 | $0.37 |
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 | $193.2M | — |
| 总债务越低越好 | $155.0M | $4.1B |
| 股东权益账面价值 | $1.9B | $19.0B |
| 总资产 | $3.1B | $158.8B |
| 负债/权益比越低杠杆越低 | 0.08× | 0.22× |
8季度趋势，按日历期对齐
现金及短期投资AOSRF
| Q4 25 | $193.2M | — | ||
| Q3 25 | $172.8M | — | ||
| Q2 25 | $177.9M | — | ||
| Q1 25 | $200.2M | — | ||
| Q4 24 | $276.1M | — | ||
| Q3 24 | $255.6M | — | ||
| Q2 24 | $233.3M | — | ||
| Q1 24 | $303.1M | — |
总债务AOSRF
| Q4 25 | $155.0M | $4.1B | ||
| Q3 25 | — | $4.8B | ||
| Q2 25 | — | $5.3B | ||
| Q1 25 | — | $6.0B | ||
| Q4 24 | $193.2M | $6.0B | ||
| Q3 24 | — | $6.0B | ||
| Q2 24 | — | $5.1B | ||
| Q1 24 | — | $3.3B |
股东权益AOSRF
| Q4 25 | $1.9B | $19.0B | ||
| Q3 25 | $1.8B | $19.0B | ||
| Q2 25 | $1.8B | $18.7B | ||
| Q1 25 | $1.9B | $18.5B | ||
| Q4 24 | $1.9B | $17.9B | ||
| Q3 24 | $1.9B | $18.7B | ||
| Q2 24 | $1.9B | $17.2B | ||
| Q1 24 | $1.9B | $17.0B |
总资产AOSRF
| Q4 25 | $3.1B | $158.8B | ||
| Q3 25 | $3.2B | $159.9B | ||
| Q2 25 | $3.2B | $159.2B | ||
| Q1 25 | $3.3B | $159.8B | ||
| Q4 24 | $3.2B | $157.3B | ||
| Q3 24 | $3.2B | $157.4B | ||
| Q2 24 | $3.2B | $154.1B | ||
| Q1 24 | $3.2B | $154.9B |
负债/权益比AOSRF
| Q4 25 | 0.08× | 0.22× | ||
| Q3 25 | — | 0.25× | ||
| Q2 25 | — | 0.28× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | 0.10× | 0.34× | ||
| Q3 24 | — | 0.32× | ||
| Q2 24 | — | 0.30× | ||
| Q1 24 | — | 0.20× |
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 | $183.1M | $-319.0M |
| 自由现金流经营现金流 - 资本支出 | $165.5M | — |
| 自由现金流率自由现金流/营收 | 18.1% | — |
| 资本支出强度资本支出/营收 | 1.9% | — |
| 现金转化率经营现金流/净利润 | 1.46× | -0.60× |
| 过去12个月自由现金流最近4个季度 | $546.0M | — |
8季度趋势，按日历期对齐
经营现金流AOSRF
| Q4 25 | $183.1M | $-319.0M | ||
| Q3 25 | $255.4M | $861.0M | ||
| Q2 25 | $139.6M | $573.0M | ||
| Q1 25 | $38.7M | $1.1B | ||
| Q4 24 | $221.9M | $-220.0M | ||
| Q3 24 | $195.9M | $1.3B | ||
| Q2 24 | $57.4M | $161.0M | ||
| Q1 24 | $106.6M | $396.0M |
自由现金流AOSRF
| Q4 25 | $165.5M | — | ||
| Q3 25 | $240.6M | — | ||
| Q2 25 | $122.5M | — | ||
| Q1 25 | $17.4M | — | ||
| Q4 24 | $191.3M | — | ||
| Q3 24 | $163.4M | — | ||
| Q2 24 | $34.5M | — | ||
| Q1 24 | $84.6M | — |
自由现金流率AOSRF
| Q4 25 | 18.1% | — | ||
| Q3 25 | 25.5% | — | ||
| Q2 25 | 12.1% | — | ||
| Q1 25 | 1.8% | — | ||
| Q4 24 | 21.0% | — | ||
| Q3 24 | 18.1% | — | ||
| Q2 24 | 3.4% | — | ||
| Q1 24 | 8.6% | — |
资本支出强度AOSRF
| Q4 25 | 1.9% | — | ||
| Q3 25 | 1.6% | — | ||
| Q2 25 | 1.7% | — | ||
| Q1 25 | 2.2% | — | ||
| Q4 24 | 3.4% | — | ||
| Q3 24 | 3.6% | — | ||
| Q2 24 | 2.2% | — | ||
| Q1 24 | 2.2% | — |
现金转化率AOSRF
| Q4 25 | 1.46× | -0.60× | ||
| Q3 25 | 1.93× | 1.51× | ||
| Q2 25 | 0.92× | 1.02× | ||
| Q1 25 | 0.28× | 2.18× | ||
| Q4 24 | 2.02× | -0.41× | ||
| Q3 24 | 1.63× | 2.57× | ||
| Q2 24 | 0.37× | 0.32× | ||
| Q1 24 | 0.72× | 1.08× |
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
AOS
| North America Segment | $713.7M | 78% |
| Rest Of World | $158.3M | 17% |
| Other | $40.5M | 4% |
RF
| Consumer Bank | $747.0M | 58% |
| Corporate Bank | $487.0M | 38% |
| Wealth Management | $47.0M | 4% |
