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永明金融（CFFI）与RIGEL PHARMACEUTICALS INC（RIGL）财务数据对比。点击上方公司名可切换其他公司
RIGEL PHARMACEUTICALS INC的季度营收约是永明金融的1.9倍（$69.8M vs $35.9M），RIGEL PHARMACEUTICALS INC净利率更高（384.0% vs 18.7%，领先365.4%），RIGEL PHARMACEUTICALS INC同比增速更快（21.2% vs 12.0%），过去两年RIGEL PHARMACEUTICALS INC的营收复合增速更高（53.7% 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。
Rigel制药是一家临床阶段生物技术企业，专注于研发及商业化针对自身免疫性疾病、炎症性疾病与血液疾病的靶向小分子疗法，核心市场位于美国，旗下已获批产品可治疗成人免疫性血小板减少症，致力于满足未被覆盖的临床医疗需求。
CFFI vs RIGL — 直观对比
营收规模更大
RIGL
是对方的1.9倍
$35.9M
营收增速更快
RIGL
高出9.2%
12.0%
净利率更高
RIGL
高出365.4%
18.7%
两年增速更快
RIGL
近两年复合增速
8.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $35.9M | $69.8M |
| 净利润 | $6.7M | $268.1M |
| 毛利率 | — | 91.5% |
| 营业利润率 | 22.6% | 33.2% |
| 净利率 | 18.7% | 384.0% |
| 营收同比 | 12.0% | 21.2% |
| 净利润同比 | 11.0% | 1769.2% |
| 每股收益（稀释后） | $2.08 | $14.11 |
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CFFIRIGL
| Q4 25 | $35.9M | $69.8M | ||
| Q3 25 | $36.0M | $69.5M | ||
| Q2 25 | $36.4M | $101.7M | ||
| Q1 25 | $32.6M | $53.3M | ||
| Q4 24 | $32.0M | $57.6M | ||
| Q3 24 | $33.5M | $55.3M | ||
| Q2 24 | $31.2M | $36.8M | ||
| Q1 24 | $30.6M | $29.5M |
净利润CFFIRIGL
| Q4 25 | $6.7M | $268.1M | ||
| Q3 25 | $7.1M | $27.9M | ||
| Q2 25 | $7.7M | $59.6M | ||
| Q1 25 | $5.4M | $11.4M | ||
| Q4 24 | $6.0M | $14.3M | ||
| Q3 24 | $5.4M | $12.4M | ||
| Q2 24 | $5.0M | $-1.0M | ||
| Q1 24 | $3.4M | $-8.2M |
毛利率CFFIRIGL
| Q4 25 | — | 91.5% | ||
| Q3 25 | — | 93.2% | ||
| Q2 25 | — | 95.6% | ||
| Q1 25 | — | 91.7% | ||
| Q4 24 | — | 89.9% | ||
| Q3 24 | — | 85.5% | ||
| Q2 24 | — | 92.4% | ||
| Q1 24 | — | 93.1% |
营业利润率CFFIRIGL
| Q4 25 | 22.6% | 33.2% | ||
| Q3 25 | 24.5% | 40.9% | ||
| Q2 25 | 26.5% | 60.1% | ||
| Q1 25 | 20.0% | 23.9% | ||
| Q4 24 | 22.6% | 28.9% | ||
| Q3 24 | 19.9% | 25.4% | ||
| Q2 24 | 20.0% | 1.2% | ||
| Q1 24 | 13.1% | -23.6% |
净利率CFFIRIGL
| Q4 25 | 18.7% | 384.0% | ||
| Q3 25 | 19.6% | 40.2% | ||
| Q2 25 | 21.2% | 58.6% | ||
| Q1 25 | 16.5% | 21.5% | ||
| Q4 24 | 18.8% | 24.9% | ||
| Q3 24 | 16.1% | 22.5% | ||
| Q2 24 | 16.1% | -2.8% | ||
| Q1 24 | 11.1% | -27.9% |
每股收益（稀释后）CFFIRIGL
| Q4 25 | $2.08 | $14.11 | ||
| Q3 25 | $2.18 | $1.46 | ||
| Q2 25 | $2.37 | $3.28 | ||
| Q1 25 | $1.66 | $0.63 | ||
| Q4 24 | $1.85 | $0.82 | ||
| Q3 24 | $1.65 | $0.70 | ||
| Q2 24 | $1.50 | $-0.06 | ||
| Q1 24 | $1.01 | $-0.47 |
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 | — | $155.0M |
| 总债务越低越好 | — | $52.5M |
| 股东权益账面价值 | $261.8M | $391.5M |
| 总资产 | $2.8B | $513.6M |
| 负债/权益比越低杠杆越低 | — | 0.13× |
8季度趋势，按日历期对齐
现金及短期投资CFFIRIGL
| Q4 25 | — | $155.0M | ||
| Q3 25 | — | $137.1M | ||
| Q2 25 | — | $108.4M | ||
| Q1 25 | — | $77.1M | ||
| Q4 24 | — | $77.3M | ||
| Q3 24 | — | $61.1M | ||
| Q2 24 | — | $49.1M | ||
| Q1 24 | — | $49.5M |
总债务CFFIRIGL
| Q4 25 | — | $52.5M | ||
| Q3 25 | — | $60.0M | ||
| Q2 25 | — | $60.0M | ||
| Q1 25 | — | $60.0M | ||
| Q4 24 | — | $60.0M | ||
| Q3 24 | — | $60.0M | ||
| Q2 24 | — | $60.0M | ||
| Q1 24 | — | $60.0M |
股东权益CFFIRIGL
| Q4 25 | $261.8M | $391.5M | ||
| Q3 25 | $253.3M | $117.6M | ||
| Q2 25 | $240.3M | $81.9M | ||
| Q1 25 | $234.6M | $18.6M | ||
| Q4 24 | $226.4M | $3.3M | ||
| Q3 24 | $227.3M | $-14.6M | ||
| Q2 24 | $218.5M | $-29.9M | ||
| Q1 24 | $216.3M | $-31.7M |
总资产CFFIRIGL
| Q4 25 | $2.8B | $513.6M | ||
| Q3 25 | $2.7B | $242.5M | ||
| Q2 25 | $2.7B | $206.7M | ||
| Q1 25 | $2.6B | $176.0M | ||
| Q4 24 | $2.6B | $164.0M | ||
| Q3 24 | $2.6B | $139.4M | ||
| Q2 24 | $2.5B | $128.4M | ||
| Q1 24 | $2.5B | $126.5M |
负债/权益比CFFIRIGL
| Q4 25 | — | 0.13× | ||
| Q3 25 | — | 0.51× | ||
| Q2 25 | — | 0.73× | ||
| Q1 25 | — | 3.23× | ||
| Q4 24 | — | 18.25× | ||
| Q3 24 | — | — | ||
| 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 | $22.0M |
| 自由现金流经营现金流 - 资本支出 | $22.2M | — |
| 自由现金流率自由现金流/营收 | 61.8% | — |
| 资本支出强度资本支出/营收 | 6.5% | — |
| 现金转化率经营现金流/净利润 | 3.65× | 0.08× |
| 过去12个月自由现金流最近4个季度 | $42.8M | — |
8季度趋势，按日历期对齐
经营现金流CFFIRIGL
| Q4 25 | $24.5M | $22.0M | ||
| Q3 25 | $23.4M | $24.0M | ||
| Q2 25 | $-4.4M | $30.5M | ||
| Q1 25 | $3.2M | $-893.0K | ||
| Q4 24 | $36.8M | $14.5M | ||
| Q3 24 | $404.0K | $21.7M | ||
| Q2 24 | $1.7M | $302.0K | ||
| Q1 24 | $895.0K | $-5.0M |
自由现金流CFFIRIGL
| Q4 25 | $22.2M | — | ||
| Q3 25 | $22.7M | — | ||
| Q2 25 | $-5.0M | — | ||
| Q1 25 | $2.9M | — | ||
| Q4 24 | $33.3M | — | ||
| Q3 24 | $-1.6M | — | ||
| Q2 24 | $1.2M | — | ||
| Q1 24 | $410.0K | — |
自由现金流率CFFIRIGL
| Q4 25 | 61.8% | — | ||
| Q3 25 | 63.0% | — | ||
| Q2 25 | -13.6% | — | ||
| Q1 25 | 9.0% | — | ||
| Q4 24 | 103.8% | — | ||
| Q3 24 | -4.9% | — | ||
| Q2 24 | 3.7% | — | ||
| Q1 24 | 1.3% | — |
资本支出强度CFFIRIGL
| Q4 25 | 6.5% | — | ||
| Q3 25 | 2.1% | — | ||
| Q2 25 | 1.6% | — | ||
| Q1 25 | 0.8% | — | ||
| Q4 24 | 10.9% | — | ||
| Q3 24 | 6.1% | — | ||
| Q2 24 | 1.7% | — | ||
| Q1 24 | 1.6% | — |
现金转化率CFFIRIGL
| Q4 25 | 3.65× | 0.08× | ||
| Q3 25 | 3.31× | 0.86× | ||
| Q2 25 | -0.57× | 0.51× | ||
| Q1 25 | 0.60× | -0.08× | ||
| Q4 24 | 6.09× | 1.01× | ||
| Q3 24 | 0.07× | 1.75× | ||
| 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% |
RIGL
暂无分部数据
