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永明金融（CFFI）与REGENXBIO Inc.（RGNX）财务数据对比。点击上方公司名可切换其他公司
永明金融的季度营收约是REGENXBIO Inc.的1.2倍（$35.9M vs $30.3M），永明金融净利率更高（18.7% vs -221.3%，领先240.0%），REGENXBIO Inc.同比增速更快（43.0% vs 12.0%），永明金融自由现金流更多（$22.2M vs $-52.8M），过去两年REGENXBIO Inc.的营收复合增速更高（39.4% vs 8.2%）
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。
REGENXBIO Inc.是一家临床阶段生物技术企业，专注于开发针对罕见及严重遗传疾病的突破性基因疗法。公司拥有专有的腺相关病毒载体技术，既向全球生物制药合作伙伴提供技术授权，也自主推进多疾病领域的基因疗法管线研发。
CFFI vs RGNX — 直观对比
营收规模更大
CFFI
是对方的1.2倍
$30.3M
营收增速更快
RGNX
高出31.0%
12.0%
净利率更高
CFFI
高出240.0%
-221.3%
自由现金流更多
CFFI
多$75.0M
$-52.8M
两年增速更快
RGNX
近两年复合增速
8.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $35.9M | $30.3M |
| 净利润 | $6.7M | $-67.1M |
| 毛利率 | — | — |
| 营业利润率 | 22.6% | -190.0% |
| 净利率 | 18.7% | -221.3% |
| 营收同比 | 12.0% | 43.0% |
| 净利润同比 | 11.0% | -31.2% |
| 每股收益（稀释后） | $2.08 | $-1.30 |
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CFFIRGNX
| Q4 25 | $35.9M | $30.3M | ||
| Q3 25 | $36.0M | $29.7M | ||
| Q2 25 | $36.4M | $21.4M | ||
| Q1 25 | $32.6M | $89.0M | ||
| Q4 24 | $32.0M | $21.2M | ||
| Q3 24 | $33.5M | $24.2M | ||
| Q2 24 | $31.2M | $22.3M | ||
| Q1 24 | $30.6M | $15.6M |
净利润CFFIRGNX
| Q4 25 | $6.7M | $-67.1M | ||
| Q3 25 | $7.1M | $-61.9M | ||
| Q2 25 | $7.7M | $-70.9M | ||
| Q1 25 | $5.4M | $6.1M | ||
| Q4 24 | $6.0M | $-51.2M | ||
| Q3 24 | $5.4M | $-59.6M | ||
| Q2 24 | $5.0M | $-53.0M | ||
| Q1 24 | $3.4M | $-63.3M |
毛利率CFFIRGNX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 70.2% | ||
| Q3 24 | — | 48.8% | ||
| Q2 24 | — | 52.5% | ||
| Q1 24 | — | 72.6% |
营业利润率CFFIRGNX
| Q4 25 | 22.6% | -190.0% | ||
| Q3 25 | 24.5% | -176.3% | ||
| Q2 25 | 26.5% | -296.3% | ||
| Q1 25 | 20.0% | 13.6% | ||
| Q4 24 | 22.6% | -242.1% | ||
| Q3 24 | 19.9% | -256.6% | ||
| Q2 24 | 20.0% | -251.3% | ||
| Q1 24 | 13.1% | -408.8% |
净利率CFFIRGNX
| Q4 25 | 18.7% | -221.3% | ||
| Q3 25 | 19.6% | -208.3% | ||
| Q2 25 | 21.2% | -331.8% | ||
| Q1 25 | 16.5% | 6.8% | ||
| Q4 24 | 18.8% | -241.3% | ||
| Q3 24 | 16.1% | -246.3% | ||
| Q2 24 | 16.1% | -237.7% | ||
| Q1 24 | 11.1% | -405.4% |
每股收益（稀释后）CFFIRGNX
| Q4 25 | $2.08 | $-1.30 | ||
| Q3 25 | $2.18 | $-1.20 | ||
| Q2 25 | $2.37 | $-1.38 | ||
| Q1 25 | $1.66 | $0.12 | ||
| Q4 24 | $1.85 | $-0.99 | ||
| Q3 24 | $1.65 | $-1.17 | ||
| Q2 24 | $1.50 | $-1.05 | ||
| Q1 24 | $1.01 | $-1.38 |
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 | — | $230.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $261.8M | $102.7M |
| 总资产 | $2.8B | $453.0M |
| 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CFFIRGNX
| Q4 25 | — | $230.1M | ||
| Q3 25 | — | $274.2M | ||
| Q2 25 | — | $323.3M | ||
| Q1 25 | — | $267.9M | ||
| Q4 24 | — | $234.7M | ||
| Q3 24 | — | $255.5M | ||
| Q2 24 | — | $290.4M | ||
| Q1 24 | — | $338.7M |
股东权益CFFIRGNX
| Q4 25 | $261.8M | $102.7M | ||
| Q3 25 | $253.3M | $161.5M | ||
| Q2 25 | $240.3M | $213.7M | ||
| Q1 25 | $234.6M | $274.2M | ||
| Q4 24 | $226.4M | $259.7M | ||
| Q3 24 | $227.3M | $301.4M | ||
| Q2 24 | $218.5M | $348.3M | ||
| Q1 24 | $216.3M | $390.7M |
总资产CFFIRGNX
| Q4 25 | $2.8B | $453.0M | ||
| Q3 25 | $2.7B | $525.2M | ||
| Q2 25 | $2.7B | $581.0M | ||
| Q1 25 | $2.6B | $490.9M | ||
| Q4 24 | $2.6B | $466.0M | ||
| Q3 24 | $2.6B | $519.1M | ||
| Q2 24 | $2.5B | $569.4M | ||
| Q1 24 | $2.5B | $629.2M |
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 | $-52.3M |
| 自由现金流经营现金流 - 资本支出 | $22.2M | $-52.8M |
| 自由现金流率自由现金流/营收 | 61.8% | -174.0% |
| 资本支出强度资本支出/营收 | 6.5% | 1.7% |
| 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 | $-126.4M |
8季度趋势，按日历期对齐
经营现金流CFFIRGNX
| Q4 25 | $24.5M | $-52.3M | ||
| Q3 25 | $23.4M | $-56.0M | ||
| Q2 25 | $-4.4M | $-49.3M | ||
| Q1 25 | $3.2M | $33.6M | ||
| Q4 24 | $36.8M | $-31.6M | ||
| Q3 24 | $404.0K | $-40.5M | ||
| Q2 24 | $1.7M | $-45.5M | ||
| Q1 24 | $895.0K | $-55.5M |
自由现金流CFFIRGNX
| Q4 25 | $22.2M | $-52.8M | ||
| Q3 25 | $22.7M | $-56.5M | ||
| Q2 25 | $-5.0M | $-49.7M | ||
| Q1 25 | $2.9M | $32.6M | ||
| Q4 24 | $33.3M | $-32.7M | ||
| Q3 24 | $-1.6M | $-40.9M | ||
| Q2 24 | $1.2M | $-46.0M | ||
| Q1 24 | $410.0K | $-56.0M |
自由现金流率CFFIRGNX
| Q4 25 | 61.8% | -174.0% | ||
| Q3 25 | 63.0% | -189.9% | ||
| Q2 25 | -13.6% | -232.8% | ||
| Q1 25 | 9.0% | 36.6% | ||
| Q4 24 | 103.8% | -154.2% | ||
| Q3 24 | -4.9% | -168.9% | ||
| Q2 24 | 3.7% | -206.2% | ||
| Q1 24 | 1.3% | -358.5% |
资本支出强度CFFIRGNX
| Q4 25 | 6.5% | 1.7% | ||
| Q3 25 | 2.1% | 1.7% | ||
| Q2 25 | 1.6% | 1.8% | ||
| Q1 25 | 0.8% | 1.2% | ||
| Q4 24 | 10.9% | 5.1% | ||
| Q3 24 | 6.1% | 1.3% | ||
| Q2 24 | 1.7% | 2.1% | ||
| Q1 24 | 1.6% | 3.6% |
现金转化率CFFIRGNX
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | — | ||
| Q2 25 | -0.57× | — | ||
| Q1 25 | 0.60× | 5.53× | ||
| 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% |
RGNX
| Novartis Gene Therapies | $24.2M | 80% |
| Nippon Shinyaku Collaboration And License Agreement | $4.3M | 14% |
| Nippon Shinyaku Services | $1.4M | 5% |
