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永明金融（CFFI）与RCI HOSPITALITY HOLDINGS, INC.（RICK）财务数据对比。点击上方公司名可切换其他公司
RCI HOSPITALITY HOLDINGS, INC.的季度营收约是永明金融的2.0倍（$70.9M vs $35.9M），永明金融净利率更高（18.7% vs -7.8%，领先26.4%），永明金融同比增速更快（12.0% vs -3.1%），永明金融自由现金流更多（$22.2M vs $11.5M），过去两年永明金融的营收复合增速更高（8.2% vs -2.0%）
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。
RCI Hospitality控股通过子公司经营脱衣舞俱乐部、夜总会、运动酒吧与餐厅，同时还运营一家为成人俱乐部行业提供服务的传媒会展企业。公司于1995年完成首次公开募股上市，目前在纳斯达克全球市场挂牌交易。
CFFI vs RICK — 直观对比
营收规模更大
RICK
是对方的2.0倍
$35.9M
营收增速更快
CFFI
高出15.1%
-3.1%
净利率更高
CFFI
高出26.4%
-7.8%
自由现金流更多
CFFI
多$10.7M
$11.5M
两年增速更快
CFFI
近两年复合增速
-2.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $35.9M | $70.9M |
| 净利润 | $6.7M | $-5.5M |
| 毛利率 | — | — |
| 营业利润率 | 22.6% | -0.7% |
| 净利率 | 18.7% | -7.8% |
| 营收同比 | 12.0% | -3.1% |
| 净利润同比 | 11.0% | -2354.9% |
| 每股收益（稀释后） | $2.08 | $-0.60 |
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CFFIRICK
| Q4 25 | $35.9M | — | ||
| Q3 25 | $36.0M | $70.9M | ||
| Q2 25 | $36.4M | $71.1M | ||
| Q1 25 | $32.6M | $65.9M | ||
| Q4 24 | $32.0M | $71.5M | ||
| Q3 24 | $33.5M | $73.2M | ||
| Q2 24 | $31.2M | $76.2M | ||
| Q1 24 | $30.6M | $72.3M |
净利润CFFIRICK
| Q4 25 | $6.7M | — | ||
| Q3 25 | $7.1M | $-5.5M | ||
| Q2 25 | $7.7M | $4.1M | ||
| Q1 25 | $5.4M | $3.2M | ||
| Q4 24 | $6.0M | $9.0M | ||
| Q3 24 | $5.4M | $244.0K | ||
| Q2 24 | $5.0M | $-5.2M | ||
| Q1 24 | $3.4M | $774.0K |
营业利润率CFFIRICK
| Q4 25 | 22.6% | — | ||
| Q3 25 | 24.5% | -0.7% | ||
| Q2 25 | 26.5% | 12.2% | ||
| Q1 25 | 20.0% | 12.4% | ||
| Q4 24 | 22.6% | 19.5% | ||
| Q3 24 | 19.9% | 4.8% | ||
| Q2 24 | 20.0% | -3.3% | ||
| Q1 24 | 13.1% | 6.4% |
净利率CFFIRICK
| Q4 25 | 18.7% | — | ||
| Q3 25 | 19.6% | -7.8% | ||
| Q2 25 | 21.2% | 5.7% | ||
| Q1 25 | 16.5% | 4.9% | ||
| Q4 24 | 18.8% | 12.6% | ||
| Q3 24 | 16.1% | 0.3% | ||
| Q2 24 | 16.1% | -6.9% | ||
| Q1 24 | 11.1% | 1.1% |
每股收益（稀释后）CFFIRICK
| Q4 25 | $2.08 | — | ||
| Q3 25 | $2.18 | $-0.60 | ||
| Q2 25 | $2.37 | $0.46 | ||
| Q1 25 | $1.66 | $0.36 | ||
| Q4 24 | $1.85 | $1.01 | ||
| Q3 24 | $1.65 | $0.04 | ||
| Q2 24 | $1.50 | $-0.56 | ||
| Q1 24 | $1.01 | $0.08 |
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 | — | $33.7M |
| 总债务越低越好 | — | $238.2M |
| 股东权益账面价值 | $261.8M | $261.1M |
| 总资产 | $2.8B | $596.9M |
| 负债/权益比越低杠杆越低 | — | 0.91× |
8季度趋势，按日历期对齐
现金及短期投资CFFIRICK
| Q4 25 | — | — | ||
| Q3 25 | — | $33.7M | ||
| Q2 25 | — | $29.3M | ||
| Q1 25 | — | $32.7M | ||
| Q4 24 | — | $34.7M | ||
| Q3 24 | — | $32.4M | ||
| Q2 24 | — | $34.9M | ||
| Q1 24 | — | $20.0M |
总债务CFFIRICK
| Q4 25 | — | — | ||
| Q3 25 | — | $238.2M | ||
| Q2 25 | — | $243.8M | ||
| Q1 25 | — | $244.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $241.1M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益CFFIRICK
| Q4 25 | $261.8M | — | ||
| Q3 25 | $253.3M | $261.1M | ||
| Q2 25 | $240.3M | $269.5M | ||
| Q1 25 | $234.6M | $268.8M | ||
| Q4 24 | $226.4M | $269.0M | ||
| Q3 24 | $227.3M | $263.4M | ||
| Q2 24 | $218.5M | $271.2M | ||
| Q1 24 | $216.3M | $285.8M |
总资产CFFIRICK
| Q4 25 | $2.8B | — | ||
| Q3 25 | $2.7B | $596.9M | ||
| Q2 25 | $2.7B | $597.4M | ||
| Q1 25 | $2.6B | $589.8M | ||
| Q4 24 | $2.6B | $586.2M | ||
| Q3 24 | $2.6B | $584.4M | ||
| Q2 24 | $2.5B | $601.0M | ||
| Q1 24 | $2.5B | $609.9M |
负债/权益比CFFIRICK
| Q4 25 | — | — | ||
| Q3 25 | — | 0.91× | ||
| Q2 25 | — | 0.90× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.92× | ||
| Q2 24 | — | — | ||
| 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 | $13.7M |
| 自由现金流经营现金流 - 资本支出 | $22.2M | $11.5M |
| 自由现金流率自由现金流/营收 | 61.8% | 16.2% |
| 资本支出强度资本支出/营收 | 6.5% | 3.2% |
| 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 | $34.9M |
8季度趋势，按日历期对齐
经营现金流CFFIRICK
| Q4 25 | $24.5M | — | ||
| Q3 25 | $23.4M | $13.7M | ||
| Q2 25 | $-4.4M | $13.8M | ||
| Q1 25 | $3.2M | $8.5M | ||
| Q4 24 | $36.8M | $13.3M | ||
| Q3 24 | $404.0K | $15.7M | ||
| Q2 24 | $1.7M | $15.8M | ||
| Q1 24 | $895.0K | $10.8M |
自由现金流CFFIRICK
| Q4 25 | $22.2M | — | ||
| Q3 25 | $22.7M | $11.5M | ||
| Q2 25 | $-5.0M | $10.1M | ||
| Q1 25 | $2.9M | $5.7M | ||
| Q4 24 | $33.3M | $7.6M | ||
| Q3 24 | $-1.6M | $10.3M | ||
| Q2 24 | $1.2M | $9.3M | ||
| Q1 24 | $410.0K | $3.2M |
自由现金流率CFFIRICK
| Q4 25 | 61.8% | — | ||
| Q3 25 | 63.0% | 16.2% | ||
| Q2 25 | -13.6% | 14.2% | ||
| Q1 25 | 9.0% | 8.6% | ||
| Q4 24 | 103.8% | 10.6% | ||
| Q3 24 | -4.9% | 14.0% | ||
| Q2 24 | 3.7% | 12.3% | ||
| Q1 24 | 1.3% | 4.4% |
资本支出强度CFFIRICK
| Q4 25 | 6.5% | — | ||
| Q3 25 | 2.1% | 3.2% | ||
| Q2 25 | 1.6% | 5.2% | ||
| Q1 25 | 0.8% | 4.3% | ||
| Q4 24 | 10.9% | 8.0% | ||
| Q3 24 | 6.1% | 7.3% | ||
| Q2 24 | 1.7% | 8.4% | ||
| Q1 24 | 1.6% | 10.6% |
现金转化率CFFIRICK
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | — | ||
| Q2 25 | -0.57× | 3.40× | ||
| Q1 25 | 0.60× | 2.65× | ||
| Q4 24 | 6.09× | 1.48× | ||
| Q3 24 | 0.07× | 64.14× | ||
| Q2 24 | 0.34× | — | ||
| Q1 24 | 0.26× | 14.00× |
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% |
RICK
| Transferred At Point In Time | $60.8M | 86% |
| Food And Merchandise | $10.4M | 15% |
