vs
Maplebear Inc.（CART）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Maplebear Inc.的1.3倍（$1.3B vs $992.0M），Regions Financial Corporation净利率更高（41.7% vs 8.2%，领先33.5%），Maplebear Inc.同比增速更快（12.3% vs 4.1%），过去两年Maplebear Inc.的营收复合增速更高（10.0% vs 4.0%）
Maplebear Inc. 以Instacart为品牌开展业务，是总部位于美国旧金山的零售媒体及配送企业，在美国和加拿大运营生鲜杂货配送与自提服务。用户可通过官网及移动应用从合作商户订购食品杂货，在法律允许的地区还可选购酒类商品，所有订单由专属采购专员负责拣选、打包并配送上门。
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。
CART vs RF — 直观对比
营收规模更大
RF
是对方的1.3倍
$992.0M
营收增速更快
CART
高出8.2%
4.1%
净利率更高
RF
高出33.5%
8.2%
两年增速更快
CART
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $992.0M | $1.3B |
| 净利润 | $81.0M | $534.0M |
| 毛利率 | 72.3% | — |
| 营业利润率 | 9.9% | 55.3% |
| 净利率 | 8.2% | 41.7% |
| 营收同比 | 12.3% | 4.1% |
| 净利润同比 | -45.3% | 0.0% |
| 每股收益（稀释后） | $0.31 | $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CARTRF
| Q4 25 | $992.0M | $1.3B | ||
| Q3 25 | $939.0M | $1.3B | ||
| Q2 25 | $914.0M | $1.3B | ||
| Q1 25 | $897.0M | $1.2B | ||
| Q4 24 | $883.0M | $1.2B | ||
| Q3 24 | $852.0M | $1.2B | ||
| Q2 24 | $823.0M | $1.2B | ||
| Q1 24 | $820.0M | $1.2B |
净利润CARTRF
| Q4 25 | $81.0M | $534.0M | ||
| Q3 25 | $144.0M | $569.0M | ||
| Q2 25 | $116.0M | $563.0M | ||
| Q1 25 | $106.0M | $490.0M | ||
| Q4 24 | $148.0M | $534.0M | ||
| Q3 24 | $118.0M | $490.0M | ||
| Q2 24 | $61.0M | $501.0M | ||
| Q1 24 | $130.0M | $368.0M |
毛利率CARTRF
| Q4 25 | 72.3% | — | ||
| Q3 25 | 73.7% | — | ||
| Q2 25 | 74.2% | — | ||
| Q1 25 | 74.8% | — | ||
| Q4 24 | 75.2% | — | ||
| Q3 24 | 75.2% | — | ||
| Q2 24 | 75.7% | — | ||
| Q1 24 | 74.9% | — |
营业利润率CARTRF
| Q4 25 | 9.9% | 55.3% | ||
| Q3 25 | 17.7% | 56.3% | ||
| Q2 25 | 13.6% | 56.1% | ||
| Q1 25 | 12.3% | 52.0% | ||
| Q4 24 | 17.6% | 53.4% | ||
| Q3 24 | 16.2% | 49.9% | ||
| Q2 24 | 6.3% | 52.7% | ||
| Q1 24 | 17.6% | 39.2% |
净利率CARTRF
| Q4 25 | 8.2% | 41.7% | ||
| Q3 25 | 15.3% | 45.3% | ||
| Q2 25 | 12.7% | 44.7% | ||
| Q1 25 | 11.8% | 41.0% | ||
| Q4 24 | 16.8% | 43.4% | ||
| Q3 24 | 13.8% | 40.2% | ||
| Q2 24 | 7.4% | 42.2% | ||
| Q1 24 | 15.9% | 31.1% |
每股收益（稀释后）CARTRF
| Q4 25 | $0.31 | $0.59 | ||
| Q3 25 | $0.51 | $0.61 | ||
| Q2 25 | $0.41 | $0.59 | ||
| Q1 25 | $0.37 | $0.51 | ||
| Q4 24 | $0.53 | $0.55 | ||
| Q3 24 | $0.42 | $0.49 | ||
| Q2 24 | $0.20 | $0.52 | ||
| Q1 24 | $0.43 | $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 | $687.0M | — |
| 总债务越低越好 | — | $4.1B |
| 股东权益账面价值 | $2.5B | $19.0B |
| 总资产 | $3.7B | $158.8B |
| 负债/权益比越低杠杆越低 | — | 0.22× |
8季度趋势，按日历期对齐
现金及短期投资CARTRF
| Q4 25 | $687.0M | — | ||
| Q3 25 | $1.7B | — | ||
| Q2 25 | $1.6B | — | ||
| Q1 25 | $1.6B | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $1.3B | — | ||
| Q2 24 | $1.4B | — | ||
| Q1 24 | $1.5B | — |
总债务CARTRF
| Q4 25 | — | $4.1B | ||
| Q3 25 | — | $4.8B | ||
| Q2 25 | — | $5.3B | ||
| Q1 25 | — | $6.0B | ||
| Q4 24 | — | $6.0B | ||
| Q3 24 | — | $6.0B | ||
| Q2 24 | — | $5.1B | ||
| Q1 24 | — | $3.3B |
股东权益CARTRF
| Q4 25 | $2.5B | $19.0B | ||
| Q3 25 | $3.5B | $19.0B | ||
| Q2 25 | $3.3B | $18.7B | ||
| Q1 25 | $3.2B | $18.5B | ||
| Q4 24 | $3.1B | $17.9B | ||
| Q3 24 | $2.9B | $18.7B | ||
| Q2 24 | $3.0B | $17.2B | ||
| Q1 24 | $3.1B | $17.0B |
总资产CARTRF
| Q4 25 | $3.7B | $158.8B | ||
| Q3 25 | $4.5B | $159.9B | ||
| Q2 25 | $4.4B | $159.2B | ||
| Q1 25 | $4.3B | $159.8B | ||
| Q4 24 | $4.1B | $157.3B | ||
| Q3 24 | $3.9B | $157.4B | ||
| Q2 24 | $4.0B | $154.1B | ||
| Q1 24 | $4.1B | $154.9B |
负债/权益比CARTRF
| Q4 25 | — | 0.22× | ||
| Q3 25 | — | 0.25× | ||
| Q2 25 | — | 0.28× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | — | 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 | $183.0M | $-319.0M |
| 自由现金流经营现金流 - 资本支出 | $171.0M | — |
| 自由现金流率自由现金流/营收 | 17.2% | — |
| 资本支出强度资本支出/营收 | 1.2% | — |
| 现金转化率经营现金流/净利润 | 2.26× | -0.60× |
| 过去12个月自由现金流最近4个季度 | $910.0M | — |
8季度趋势，按日历期对齐
经营现金流CARTRF
| Q4 25 | $183.0M | $-319.0M | ||
| Q3 25 | $287.0M | $861.0M | ||
| Q2 25 | $203.0M | $573.0M | ||
| Q1 25 | $298.0M | $1.1B | ||
| Q4 24 | $153.0M | $-220.0M | ||
| Q3 24 | $185.0M | $1.3B | ||
| Q2 24 | $244.0M | $161.0M | ||
| Q1 24 | $105.0M | $396.0M |
自由现金流CARTRF
| Q4 25 | $171.0M | — | ||
| Q3 25 | $272.0M | — | ||
| Q2 25 | $187.0M | — | ||
| Q1 25 | $280.0M | — | ||
| Q4 24 | $141.0M | — | ||
| Q3 24 | $171.0M | — | ||
| Q2 24 | $220.0M | — | ||
| Q1 24 | $91.0M | — |
自由现金流率CARTRF
| Q4 25 | 17.2% | — | ||
| Q3 25 | 29.0% | — | ||
| Q2 25 | 20.5% | — | ||
| Q1 25 | 31.2% | — | ||
| Q4 24 | 16.0% | — | ||
| Q3 24 | 20.1% | — | ||
| Q2 24 | 26.7% | — | ||
| Q1 24 | 11.1% | — |
资本支出强度CARTRF
| Q4 25 | 1.2% | — | ||
| Q3 25 | 1.6% | — | ||
| Q2 25 | 1.8% | — | ||
| Q1 25 | 2.0% | — | ||
| Q4 24 | 1.4% | — | ||
| Q3 24 | 1.6% | — | ||
| Q2 24 | 2.9% | — | ||
| Q1 24 | 1.7% | — |
现金转化率CARTRF
| Q4 25 | 2.26× | -0.60× | ||
| Q3 25 | 1.99× | 1.51× | ||
| Q2 25 | 1.75× | 1.02× | ||
| Q1 25 | 2.81× | 2.18× | ||
| Q4 24 | 1.03× | -0.41× | ||
| Q3 24 | 1.57× | 2.57× | ||
| Q2 24 | 4.00× | 0.32× | ||
| Q1 24 | 0.81× | 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
CART
| Transaction | $698.0M | 70% |
| Advertising And Other | $294.0M | 30% |
RF
| Consumer Bank | $747.0M | 58% |
| Corporate Bank | $487.0M | 38% |
| Wealth Management | $47.0M | 4% |
