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永明金融（CFFI）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
REGIS CORP的季度营收约是永明金融的1.6倍（$57.1M vs $35.9M），永明金融净利率更高（18.7% vs 0.8%，领先17.9%），REGIS CORP同比增速更快（22.3% vs 12.0%），永明金融自由现金流更多（$22.2M vs $891.0K），过去两年永明金融的营收复合增速更高（8.2% vs 7.8%）
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。
瑞吉斯公司是一家美国美发沙龙运营商，总部位于明尼苏达州明尼阿波利斯市。截至2021年8月，该集团旗下拥有5563家加盟沙龙以及276家直营门店，是北美地区规模领先的美发沙龙连锁经营企业。
CFFI vs RGS — 直观对比
营收规模更大
RGS
是对方的1.6倍
$35.9M
营收增速更快
RGS
高出10.3%
12.0%
净利率更高
CFFI
高出17.9%
0.8%
自由现金流更多
CFFI
多$21.3M
$891.0K
两年增速更快
CFFI
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $35.9M | $57.1M |
| 净利润 | $6.7M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 22.6% | 10.8% |
| 净利率 | 18.7% | 0.8% |
| 营收同比 | 12.0% | 22.3% |
| 净利润同比 | 11.0% | -94.0% |
| 每股收益（稀释后） | $2.08 | $0.16 |
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CFFIRGS
| Q4 25 | $35.9M | $57.1M | ||
| Q3 25 | $36.0M | $59.0M | ||
| Q2 25 | $36.4M | $60.4M | ||
| Q1 25 | $32.6M | $57.0M | ||
| Q4 24 | $32.0M | $46.7M | ||
| Q3 24 | $33.5M | $46.1M | ||
| Q2 24 | $31.2M | $49.4M | ||
| Q1 24 | $30.6M | $49.2M |
净利润CFFIRGS
| Q4 25 | $6.7M | $456.0K | ||
| Q3 25 | $7.1M | $1.4M | ||
| Q2 25 | $7.7M | $116.5M | ||
| Q1 25 | $5.4M | $250.0K | ||
| Q4 24 | $6.0M | $7.6M | ||
| Q3 24 | $5.4M | $-853.0K | ||
| Q2 24 | $5.0M | $91.2M | ||
| Q1 24 | $3.4M | $-2.3M |
营业利润率CFFIRGS
| Q4 25 | 22.6% | 10.8% | ||
| Q3 25 | 24.5% | 10.0% | ||
| Q2 25 | 26.5% | 12.1% | ||
| Q1 25 | 20.0% | 8.8% | ||
| Q4 24 | 22.6% | 11.8% | ||
| Q3 24 | 19.9% | 4.6% | ||
| Q2 24 | 20.0% | — | ||
| Q1 24 | 13.1% | 8.3% |
净利率CFFIRGS
| Q4 25 | 18.7% | 0.8% | ||
| Q3 25 | 19.6% | 2.3% | ||
| Q2 25 | 21.2% | 192.9% | ||
| Q1 25 | 16.5% | 0.4% | ||
| Q4 24 | 18.8% | 16.4% | ||
| Q3 24 | 16.1% | -1.9% | ||
| Q2 24 | 16.1% | 184.7% | ||
| Q1 24 | 11.1% | -4.7% |
每股收益（稀释后）CFFIRGS
| Q4 25 | $2.08 | $0.16 | ||
| Q3 25 | $2.18 | $0.49 | ||
| Q2 25 | $2.37 | $43.67 | ||
| Q1 25 | $1.66 | $0.08 | ||
| Q4 24 | $1.85 | $2.71 | ||
| Q3 24 | $1.65 | $-0.36 | ||
| Q2 24 | $1.50 | $38.40 | ||
| Q1 24 | $1.01 | $-1.00 |
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 | — | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $261.8M | $188.7M |
| 总资产 | $2.8B | $588.3M |
| 负债/权益比越低杠杆越低 | — | 0.60× |
8季度趋势，按日历期对齐
现金及短期投资CFFIRGS
| Q4 25 | — | $18.4M | ||
| Q3 25 | — | $16.6M | ||
| Q2 25 | — | $17.0M | ||
| Q1 25 | — | $13.3M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $10.1M | ||
| Q1 24 | — | $5.9M |
总债务CFFIRGS
| Q4 25 | — | $113.3M | ||
| Q3 25 | — | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | — | $111.5M | ||
| Q3 24 | — | $95.2M | ||
| Q2 24 | — | $99.5M | ||
| Q1 24 | — | $179.7M |
股东权益CFFIRGS
| Q4 25 | $261.8M | $188.7M | ||
| Q3 25 | $253.3M | $187.6M | ||
| Q2 25 | $240.3M | $185.6M | ||
| Q1 25 | $234.6M | $68.6M | ||
| Q4 24 | $226.4M | $66.7M | ||
| Q3 24 | $227.3M | $56.4M | ||
| Q2 24 | $218.5M | $56.8M | ||
| Q1 24 | $216.3M | $-35.8M |
总资产CFFIRGS
| Q4 25 | $2.8B | $588.3M | ||
| Q3 25 | $2.7B | $592.1M | ||
| Q2 25 | $2.7B | $599.0M | ||
| Q1 25 | $2.6B | $511.2M | ||
| Q4 24 | $2.6B | $530.1M | ||
| Q3 24 | $2.6B | $508.9M | ||
| Q2 24 | $2.5B | $530.5M | ||
| Q1 24 | $2.5B | $543.7M |
负债/权益比CFFIRGS
| Q4 25 | — | 0.60× | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | — | 1.67× | ||
| Q3 24 | — | 1.69× | ||
| Q2 24 | — | 1.75× | ||
| Q1 24 | — | — |
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 | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $22.2M | $891.0K |
| 自由现金流率自由现金流/营收 | 61.8% | 1.6% |
| 资本支出强度资本支出/营收 | 6.5% | 1.4% |
| 现金转化率经营现金流/净利润 | 3.65× | 3.65× |
| 过去12个月自由现金流最近4个季度 | $42.8M | $14.9M |
8季度趋势，按日历期对齐
经营现金流CFFIRGS
| Q4 25 | $24.5M | $1.7M | ||
| Q3 25 | $23.4M | $2.3M | ||
| Q2 25 | $-4.4M | $6.8M | ||
| Q1 25 | $3.2M | $6.2M | ||
| Q4 24 | $36.8M | $2.1M | ||
| Q3 24 | $404.0K | $-1.3M | ||
| Q2 24 | $1.7M | $5.1M | ||
| Q1 24 | $895.0K | $-277.0K |
自由现金流CFFIRGS
| Q4 25 | $22.2M | $891.0K | ||
| Q3 25 | $22.7M | $1.9M | ||
| Q2 25 | $-5.0M | $6.2M | ||
| Q1 25 | $2.9M | $5.9M | ||
| Q4 24 | $33.3M | $1.7M | ||
| Q3 24 | $-1.6M | $-1.4M | ||
| Q2 24 | $1.2M | $5.1M | ||
| Q1 24 | $410.0K | $-326.0K |
自由现金流率CFFIRGS
| Q4 25 | 61.8% | 1.6% | ||
| Q3 25 | 63.0% | 3.2% | ||
| Q2 25 | -13.6% | 10.3% | ||
| Q1 25 | 9.0% | 10.3% | ||
| Q4 24 | 103.8% | 3.6% | ||
| Q3 24 | -4.9% | -3.0% | ||
| Q2 24 | 3.7% | 10.3% | ||
| Q1 24 | 1.3% | -0.7% |
资本支出强度CFFIRGS
| Q4 25 | 6.5% | 1.4% | ||
| Q3 25 | 2.1% | 0.7% | ||
| Q2 25 | 1.6% | 0.9% | ||
| Q1 25 | 0.8% | 0.6% | ||
| Q4 24 | 10.9% | 0.9% | ||
| Q3 24 | 6.1% | 0.0% | ||
| Q2 24 | 1.7% | 0.0% | ||
| Q1 24 | 1.6% | 0.1% |
现金转化率CFFIRGS
| Q4 25 | 3.65× | 3.65× | ||
| Q3 25 | 3.31× | 1.68× | ||
| Q2 25 | -0.57× | 0.06× | ||
| Q1 25 | 0.60× | 24.80× | ||
| Q4 24 | 6.09× | 0.28× | ||
| Q3 24 | 0.07× | — | ||
| Q2 24 | 0.34× | 0.06× | ||
| 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% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
