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加拿大丰业银行（BNS）与皇家加勒比集团（RCL）财务数据对比。点击上方公司名可切换其他公司
加拿大丰业银行的季度营收约是皇家加勒比集团的1.7倍（$7.0B vs $4.3B），加拿大丰业银行净利率更高（23.8% vs 17.9%，领先5.9%）
加拿大丰业银行（Scotiabank）是加拿大五大银行之一，总部位于安大略省多伦多，按资产及存款规模计为加拿大第三大银行。集团现有8.8万名员工，服务全球超2500万客户，2023年位列福布斯全球2000强第88位，提供个人商业银行、财富管理、企业与投资等多元金融服务。
皇家加勒比集团前身为皇家加勒比邮轮有限公司，是仅次于嘉年华公司的全球第二大邮轮运营商。集团总部位于美国佛罗里达州迈阿密，在利比里亚注册，目前全资拥有皇家加勒比国际游轮、名人邮轮、银海邮轮三大品牌，还持有途易邮轮50%的股份。
BNS vs RCL — 直观对比
营收规模更大
BNS
是对方的1.7倍
$4.3B
净利率更高
BNS
高出5.9%
17.9%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $7.0B | $4.3B |
| 净利润 | $1.7B | $762.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 21.9% |
| 净利率 | 23.8% | 17.9% |
| 营收同比 | — | 13.2% |
| 净利润同比 | — | 36.3% |
| 每股收益（稀释后） | — | $2.76 |
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BNSRCL
| Q1 26 | $7.0B | $4.3B | ||
| Q4 25 | $7.2B | $4.3B | ||
| Q3 25 | $6.9B | $5.1B | ||
| Q2 25 | $6.6B | $4.5B | ||
| Q1 25 | — | $4.0B | ||
| Q4 24 | — | $3.8B | ||
| Q3 24 | — | $4.9B | ||
| Q2 24 | — | $4.1B |
净利润BNSRCL
| Q1 26 | $1.7B | $762.0M | ||
| Q4 25 | $1.6B | $753.0M | ||
| Q3 25 | $1.8B | $1.6B | ||
| Q2 25 | $1.5B | $1.2B | ||
| Q1 25 | — | $730.0M | ||
| Q4 24 | — | $552.0M | ||
| Q3 24 | — | $1.1B | ||
| Q2 24 | — | $854.0M |
毛利率BNSRCL
| Q1 26 | — | — | ||
| Q4 25 | — | 47.4% | ||
| Q3 25 | — | 51.8% | ||
| Q2 25 | — | 49.7% | ||
| Q1 25 | — | 48.0% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 51.1% | ||
| Q2 24 | — | 47.6% |
营业利润率BNSRCL
| Q1 26 | — | 21.9% | ||
| Q4 25 | — | 21.9% | ||
| Q3 25 | — | 33.1% | ||
| Q2 25 | — | 29.3% | ||
| Q1 25 | — | 23.6% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 33.4% | ||
| Q2 24 | — | 26.7% |
净利率BNSRCL
| Q1 26 | 23.8% | 17.9% | ||
| Q4 25 | 22.5% | 17.7% | ||
| Q3 25 | 26.6% | 30.6% | ||
| Q2 25 | 22.4% | 26.7% | ||
| Q1 25 | — | 18.3% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 22.7% | ||
| Q2 24 | — | 20.8% |
每股收益（稀释后）BNSRCL
| Q1 26 | — | $2.76 | ||
| Q4 25 | — | $2.76 | ||
| Q3 25 | — | $5.74 | ||
| Q2 25 | — | $4.41 | ||
| Q1 25 | — | $2.70 | ||
| Q4 24 | — | $2.27 | ||
| Q3 24 | — | $4.21 | ||
| Q2 24 | — | $3.11 |
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 | $6.4B | $825.0M |
| 总债务越低越好 | — | $21.3B |
| 股东权益账面价值 | $65.0B | $10.2B |
| 总资产 | $1077.5B | $41.6B |
| 负债/权益比越低杠杆越低 | — | 2.08× |
8季度趋势，按日历期对齐
现金及短期投资BNSRCL
| Q1 26 | $6.4B | $825.0M | ||
| Q4 25 | — | $825.0M | ||
| Q3 25 | $8.6B | $432.0M | ||
| Q2 25 | $7.9B | $735.0M | ||
| Q1 25 | — | $386.0M | ||
| Q4 24 | — | $388.0M | ||
| Q3 24 | — | $418.0M | ||
| Q2 24 | — | $391.0M |
总债务BNSRCL
| Q1 26 | — | $21.3B | ||
| Q4 25 | — | $18.2B | ||
| Q3 25 | — | $17.2B | ||
| Q2 25 | — | $17.6B | ||
| Q1 25 | — | $18.0B | ||
| Q4 24 | — | $18.5B | ||
| Q3 24 | — | $19.0B | ||
| Q2 24 | — | $19.8B |
股东权益BNSRCL
| Q1 26 | $65.0B | $10.2B | ||
| Q4 25 | — | $10.0B | ||
| Q3 25 | $62.4B | $10.1B | ||
| Q2 25 | $63.1B | $9.2B | ||
| Q1 25 | — | $8.0B | ||
| Q4 24 | — | $7.6B | ||
| Q3 24 | — | $7.0B | ||
| Q2 24 | — | $6.0B |
总资产BNSRCL
| Q1 26 | $1077.5B | $41.6B | ||
| Q4 25 | — | $41.6B | ||
| Q3 25 | $1032.7B | $40.1B | ||
| Q2 25 | $1033.3B | $38.5B | ||
| Q1 25 | — | $37.5B | ||
| Q4 24 | — | $37.1B | ||
| Q3 24 | — | $37.1B | ||
| Q2 24 | — | $37.0B |
负债/权益比BNSRCL
| Q1 26 | — | 2.08× | ||
| Q4 25 | — | 1.81× | ||
| Q3 25 | — | 1.70× | ||
| Q2 25 | — | 1.92× | ||
| Q1 25 | — | 2.26× | ||
| Q4 24 | — | 2.44× | ||
| Q3 24 | — | 2.69× | ||
| Q2 24 | — | 3.29× |
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 | $9.4B | $6.5B |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 5.60× | 8.48× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流BNSRCL
| Q1 26 | $9.4B | $6.5B | ||
| Q4 25 | — | $1.6B | ||
| Q3 25 | $3.2B | $1.5B | ||
| Q2 25 | $1.8B | $1.7B | ||
| Q1 25 | — | $1.6B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | — | $897.0M | ||
| Q2 24 | — | $1.6B |
自由现金流BNSRCL
| Q1 26 | — | — | ||
| Q4 25 | — | $116.0M | ||
| Q3 25 | — | $-989.0M | ||
| Q2 25 | — | $910.0M | ||
| Q1 25 | — | $1.2B | ||
| Q4 24 | — | $915.0M | ||
| Q3 24 | — | $563.0M | ||
| Q2 24 | — | $-567.0M |
自由现金流率BNSRCL
| Q1 26 | — | — | ||
| Q4 25 | — | 2.7% | ||
| Q3 25 | — | -19.2% | ||
| Q2 25 | — | 20.1% | ||
| Q1 25 | — | 30.0% | ||
| Q4 24 | — | 24.3% | ||
| Q3 24 | — | 11.5% | ||
| Q2 24 | — | -13.8% |
资本支出强度BNSRCL
| Q1 26 | — | — | ||
| Q4 25 | — | 35.4% | ||
| Q3 25 | — | 47.8% | ||
| Q2 25 | — | 18.4% | ||
| Q1 25 | — | 10.7% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 6.8% | ||
| Q2 24 | — | 52.1% |
现金转化率BNSRCL
| Q1 26 | 5.60× | 8.48× | ||
| Q4 25 | — | 2.16× | ||
| Q3 25 | 1.73× | 0.93× | ||
| Q2 25 | 1.22× | 1.44× | ||
| Q1 25 | — | 2.23× | ||
| Q4 24 | — | 2.66× | ||
| Q3 24 | — | 0.81× | ||
| Q2 24 | — | 1.84× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
