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永明金融（CFFI）与READING INTERNATIONAL INC（RDI）财务数据对比。点击上方公司名可切换其他公司
READING INTERNATIONAL INC的季度营收约是永明金融的1.4倍（$50.3M vs $35.9M），永明金融净利率更高（18.7% vs -5.1%，领先23.8%），永明金融同比增速更快（12.0% vs -14.2%），永明金融自由现金流更多（$22.2M vs $4.1M），过去两年永明金融的营收复合增速更高（8.2% vs 5.6%）
永明金融是一家总部位于加拿大安大略省多伦多市的金融服务公司，创立于1865年，业务遍及全球，主要提供人寿保险、财富管理以及资产管理服务。截至2024年，公司管理资产规模超过1.3万亿加元，服务网络覆盖加拿大、美国、亚洲及多个其他市场。
雷丁公司是总部位于美国费城的铁路企业，1924年起在宾夕法尼亚州东部及周边各州提供客运与货运运输服务，直至1976年被联合铁路公司收购。
CFFI vs RDI — 直观对比
营收规模更大
RDI
是对方的1.4倍
$35.9M
营收增速更快
CFFI
高出26.1%
-14.2%
净利率更高
CFFI
高出23.8%
-5.1%
自由现金流更多
CFFI
多$18.0M
$4.1M
两年增速更快
CFFI
近两年复合增速
5.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $35.9M | $50.3M |
| 净利润 | $6.7M | $-2.6M |
| 毛利率 | — | — |
| 营业利润率 | 22.6% | -1.9% |
| 净利率 | 18.7% | -5.1% |
| 营收同比 | 12.0% | -14.2% |
| 净利润同比 | 11.0% | -14.5% |
| 每股收益（稀释后） | $2.08 | $-0.11 |
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CFFIRDI
| Q4 25 | $35.9M | $50.3M | ||
| Q3 25 | $36.0M | $52.2M | ||
| Q2 25 | $36.4M | $60.4M | ||
| Q1 25 | $32.6M | $40.2M | ||
| Q4 24 | $32.0M | $58.6M | ||
| Q3 24 | $33.5M | $60.1M | ||
| Q2 24 | $31.2M | $46.8M | ||
| Q1 24 | $30.6M | $45.1M |
净利润CFFIRDI
| Q4 25 | $6.7M | $-2.6M | ||
| Q3 25 | $7.1M | $-4.2M | ||
| Q2 25 | $7.7M | $-2.7M | ||
| Q1 25 | $5.4M | $-4.8M | ||
| Q4 24 | $6.0M | $-2.2M | ||
| Q3 24 | $5.4M | $-7.0M | ||
| Q2 24 | $5.0M | $-12.8M | ||
| Q1 24 | $3.4M | $-13.2M |
营业利润率CFFIRDI
| Q4 25 | 22.6% | -1.9% | ||
| Q3 25 | 24.5% | -0.6% | ||
| Q2 25 | 26.5% | 4.8% | ||
| Q1 25 | 20.0% | -17.2% | ||
| Q4 24 | 22.6% | 2.6% | ||
| Q3 24 | 19.9% | -0.6% | ||
| Q2 24 | 20.0% | -16.4% | ||
| Q1 24 | 13.1% | -16.7% |
净利率CFFIRDI
| Q4 25 | 18.7% | -5.1% | ||
| Q3 25 | 19.6% | -8.0% | ||
| Q2 25 | 21.2% | -4.4% | ||
| Q1 25 | 16.5% | -11.8% | ||
| Q4 24 | 18.8% | -3.8% | ||
| Q3 24 | 16.1% | -11.7% | ||
| Q2 24 | 16.1% | -27.4% | ||
| Q1 24 | 11.1% | -29.4% |
每股收益（稀释后）CFFIRDI
| Q4 25 | $2.08 | $-0.11 | ||
| Q3 25 | $2.18 | $-0.18 | ||
| Q2 25 | $2.37 | $-0.12 | ||
| Q1 25 | $1.66 | $-0.21 | ||
| Q4 24 | $1.85 | $-0.11 | ||
| Q3 24 | $1.65 | $-0.31 | ||
| Q2 24 | $1.50 | $-0.57 | ||
| Q1 24 | $1.01 | $-0.59 |
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 | — | $10.5M |
| 总债务越低越好 | — | $185.1M |
| 股东权益账面价值 | $261.8M | $-18.2M |
| 总资产 | $2.8B | $434.9M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CFFIRDI
| Q4 25 | — | $10.5M | ||
| Q3 25 | — | $8.1M | ||
| Q2 25 | — | $9.1M | ||
| Q1 25 | — | $5.9M | ||
| Q4 24 | — | $12.4M | ||
| Q3 24 | — | $10.1M | ||
| Q2 24 | — | $9.3M | ||
| Q1 24 | — | $7.5M |
总债务CFFIRDI
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益CFFIRDI
| Q4 25 | $261.8M | $-18.2M | ||
| Q3 25 | $253.3M | $-12.1M | ||
| Q2 25 | $240.3M | $-7.7M | ||
| Q1 25 | $234.6M | $-8.1M | ||
| Q4 24 | $226.4M | $-4.4M | ||
| Q3 24 | $227.3M | $1.6M | ||
| Q2 24 | $218.5M | $6.5M | ||
| Q1 24 | $216.3M | $18.0M |
总资产CFFIRDI
| Q4 25 | $2.8B | $434.9M | ||
| Q3 25 | $2.7B | $435.2M | ||
| Q2 25 | $2.7B | $438.1M | ||
| Q1 25 | $2.6B | $441.0M | ||
| Q4 24 | $2.6B | $471.0M | ||
| Q3 24 | $2.6B | $495.7M | ||
| Q2 24 | $2.5B | $494.9M | ||
| Q1 24 | $2.5B | $494.9M |
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 | $24.5M | $4.3M |
| 自由现金流经营现金流 - 资本支出 | $22.2M | $4.1M |
| 自由现金流率自由现金流/营收 | 61.8% | 8.2% |
| 资本支出强度资本支出/营收 | 6.5% | 0.3% |
| 现金转化率经营现金流/净利润 | 3.65× | — |
| 过去12个月自由现金流最近4个季度 | $42.8M | $-2.9M |
8季度趋势，按日历期对齐
经营现金流CFFIRDI
| Q4 25 | $24.5M | $4.3M | ||
| Q3 25 | $23.4M | $295.0K | ||
| Q2 25 | $-4.4M | $1.6M | ||
| Q1 25 | $3.2M | $-7.7M | ||
| Q4 24 | $36.8M | $8.0M | ||
| Q3 24 | $404.0K | $1.3M | ||
| Q2 24 | $1.7M | $-10.4M | ||
| Q1 24 | $895.0K | $-2.8M |
自由现金流CFFIRDI
| Q4 25 | $22.2M | $4.1M | ||
| Q3 25 | $22.7M | $-246.0K | ||
| Q2 25 | $-5.0M | $1.2M | ||
| Q1 25 | $2.9M | $-8.0M | ||
| Q4 24 | $33.3M | $7.0M | ||
| Q3 24 | $-1.6M | $-1.1M | ||
| Q2 24 | $1.2M | $-10.6M | ||
| Q1 24 | $410.0K | $-4.7M |
自由现金流率CFFIRDI
| Q4 25 | 61.8% | 8.2% | ||
| Q3 25 | 63.0% | -0.5% | ||
| Q2 25 | -13.6% | 1.9% | ||
| Q1 25 | 9.0% | -19.8% | ||
| Q4 24 | 103.8% | 12.0% | ||
| Q3 24 | -4.9% | -1.8% | ||
| Q2 24 | 3.7% | -22.7% | ||
| Q1 24 | 1.3% | -10.4% |
资本支出强度CFFIRDI
| Q4 25 | 6.5% | 0.3% | ||
| Q3 25 | 2.1% | 1.0% | ||
| Q2 25 | 1.6% | 0.6% | ||
| Q1 25 | 0.8% | 0.6% | ||
| Q4 24 | 10.9% | 1.7% | ||
| Q3 24 | 6.1% | 4.0% | ||
| Q2 24 | 1.7% | 0.5% | ||
| Q1 24 | 1.6% | 4.3% |
现金转化率CFFIRDI
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | — | ||
| Q2 25 | -0.57× | — | ||
| Q1 25 | 0.60× | — | ||
| Q4 24 | 6.09× | — | ||
| Q3 24 | 0.07× | — | ||
| Q2 24 | 0.34× | — | ||
| Q1 24 | 0.26× | — |
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
CFFI
| Community Banking | $25.9M | 72% |
| Consumer Finance Segment | $7.0M | 19% |
| Mortgage Banking Segment | $1.9M | 5% |
| Other | $1.1M | 3% |
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
