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永明金融（CFFI）与ROCKWELL MEDICAL, INC.（RMTI）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ROCKWELL MEDICAL, INC.的2.0倍（$35.9M vs $18.3M），永明金融净利率更高（18.7% vs -3.0%，领先21.7%），永明金融同比增速更快（12.0% vs -25.6%），永明金融自由现金流更多（$22.2M vs $2.2M），过去两年永明金融的营收复合增速更高（8.2% vs -10.1%）
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。
罗克韦尔医疗成立于1996年，总部位于美国密歇根州威克瑟姆，是一家上市制药企业，核心业务聚焦于终末期肾病与慢性肾病相关治疗方案的研发与商业化推广。
CFFI vs RMTI — 直观对比
营收规模更大
CFFI
是对方的2.0倍
$18.3M
营收增速更快
CFFI
高出37.6%
-25.6%
净利率更高
CFFI
高出21.7%
-3.0%
自由现金流更多
CFFI
多$20.0M
$2.2M
两年增速更快
CFFI
近两年复合增速
-10.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $35.9M | $18.3M |
| 净利润 | $6.7M | $-554.0K |
| 毛利率 | — | 21.1% |
| 营业利润率 | 22.6% | -2.2% |
| 净利率 | 18.7% | -3.0% |
| 营收同比 | 12.0% | -25.6% |
| 净利润同比 | 11.0% | 26.7% |
| 每股收益（稀释后） | $2.08 | $-0.01 |
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CFFIRMTI
| Q4 25 | $35.9M | $18.3M | ||
| Q3 25 | $36.0M | $15.9M | ||
| Q2 25 | $36.4M | $16.1M | ||
| Q1 25 | $32.6M | $18.9M | ||
| Q4 24 | $32.0M | $24.7M | ||
| Q3 24 | $33.5M | $28.3M | ||
| Q2 24 | $31.2M | $25.8M | ||
| Q1 24 | $30.6M | $22.7M |
净利润CFFIRMTI
| Q4 25 | $6.7M | $-554.0K | ||
| Q3 25 | $7.1M | $-1.8M | ||
| Q2 25 | $7.7M | $-1.5M | ||
| Q1 25 | $5.4M | $-1.5M | ||
| Q4 24 | $6.0M | $-756.0K | ||
| Q3 24 | $5.4M | $1.7M | ||
| Q2 24 | $5.0M | $343.0K | ||
| Q1 24 | $3.4M | $-1.7M |
毛利率CFFIRMTI
| Q4 25 | — | 21.1% | ||
| Q3 25 | — | 14.3% | ||
| Q2 25 | — | 15.6% | ||
| Q1 25 | — | 16.1% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 22.0% | ||
| Q2 24 | — | 17.6% | ||
| Q1 24 | — | 13.5% |
营业利润率CFFIRMTI
| Q4 25 | 22.6% | -2.2% | ||
| Q3 25 | 24.5% | -9.9% | ||
| Q2 25 | 26.5% | -8.4% | ||
| Q1 25 | 20.0% | -7.2% | ||
| Q4 24 | 22.6% | -2.1% | ||
| Q3 24 | 19.9% | 6.8% | ||
| Q2 24 | 20.0% | 2.0% | ||
| Q1 24 | 13.1% | -5.8% |
净利率CFFIRMTI
| Q4 25 | 18.7% | -3.0% | ||
| Q3 25 | 19.6% | -11.0% | ||
| Q2 25 | 21.2% | -9.3% | ||
| Q1 25 | 16.5% | -8.0% | ||
| Q4 24 | 18.8% | -3.1% | ||
| Q3 24 | 16.1% | 5.9% | ||
| Q2 24 | 16.1% | 1.3% | ||
| Q1 24 | 11.1% | -7.6% |
每股收益（稀释后）CFFIRMTI
| Q4 25 | $2.08 | $-0.01 | ||
| Q3 25 | $2.18 | $-0.05 | ||
| Q2 25 | $2.37 | $-0.05 | ||
| Q1 25 | $1.66 | $-0.04 | ||
| Q4 24 | $1.85 | $-0.02 | ||
| Q3 24 | $1.65 | $0.04 | ||
| Q2 24 | $1.50 | $0.01 | ||
| Q1 24 | $1.01 | $-0.06 |
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 | — | $10.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $261.8M | $37.0M |
| 总资产 | $2.8B | $57.1M |
| 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CFFIRMTI
| Q4 25 | — | $10.7M | ||
| Q3 25 | — | $13.6M | ||
| Q2 25 | — | $12.5M | ||
| Q1 25 | — | $11.4M | ||
| Q4 24 | — | $15.7M | ||
| Q3 24 | — | $12.3M | ||
| Q2 24 | — | $11.9M | ||
| Q1 24 | — | $6.6M |
股东权益CFFIRMTI
| Q4 25 | $261.8M | $37.0M | ||
| Q3 25 | $253.3M | $37.0M | ||
| Q2 25 | $240.3M | $30.4M | ||
| Q1 25 | $234.6M | $31.5M | ||
| Q4 24 | $226.4M | $32.6M | ||
| Q3 24 | $227.3M | $29.1M | ||
| Q2 24 | $218.5M | $23.5M | ||
| Q1 24 | $216.3M | $20.6M |
总资产CFFIRMTI
| Q4 25 | $2.8B | $57.1M | ||
| Q3 25 | $2.7B | $57.5M | ||
| Q2 25 | $2.7B | $52.6M | ||
| Q1 25 | $2.6B | $54.0M | ||
| Q4 24 | $2.6B | $59.2M | ||
| Q3 24 | $2.6B | $57.1M | ||
| Q2 24 | $2.5B | $53.0M | ||
| Q1 24 | $2.5B | $50.7M |
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 | $2.3M |
| 自由现金流经营现金流 - 资本支出 | $22.2M | $2.2M |
| 自由现金流率自由现金流/营收 | 61.8% | 12.0% |
| 资本支出强度资本支出/营收 | 6.5% | 0.5% |
| 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 | $-1.2M |
8季度趋势，按日历期对齐
经营现金流CFFIRMTI
| Q4 25 | $24.5M | $2.3M | ||
| Q3 25 | $23.4M | $-1.3M | ||
| Q2 25 | $-4.4M | $1.8M | ||
| Q1 25 | $3.2M | $-3.5M | ||
| Q4 24 | $36.8M | $865.0K | ||
| Q3 24 | $404.0K | $4.3M | ||
| Q2 24 | $1.7M | $1.4M | ||
| Q1 24 | $895.0K | $-2.4M |
自由现金流CFFIRMTI
| Q4 25 | $22.2M | $2.2M | ||
| Q3 25 | $22.7M | $-1.5M | ||
| Q2 25 | $-5.0M | $1.7M | ||
| Q1 25 | $2.9M | $-3.5M | ||
| Q4 24 | $33.3M | $470.0K | ||
| Q3 24 | $-1.6M | $4.1M | ||
| Q2 24 | $1.2M | $1.2M | ||
| Q1 24 | $410.0K | $-2.5M |
自由现金流率CFFIRMTI
| Q4 25 | 61.8% | 12.0% | ||
| Q3 25 | 63.0% | -9.6% | ||
| Q2 25 | -13.6% | 10.5% | ||
| Q1 25 | 9.0% | -18.8% | ||
| Q4 24 | 103.8% | 1.9% | ||
| Q3 24 | -4.9% | 14.4% | ||
| Q2 24 | 3.7% | 4.5% | ||
| Q1 24 | 1.3% | -11.1% |
资本支出强度CFFIRMTI
| Q4 25 | 6.5% | 0.5% | ||
| Q3 25 | 2.1% | 1.4% | ||
| Q2 25 | 1.6% | 1.0% | ||
| Q1 25 | 0.8% | 0.3% | ||
| Q4 24 | 10.9% | 1.6% | ||
| Q3 24 | 6.1% | 0.7% | ||
| Q2 24 | 1.7% | 1.1% | ||
| Q1 24 | 1.6% | 0.6% |
现金转化率CFFIRMTI
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | — | ||
| Q2 25 | -0.57× | — | ||
| Q1 25 | 0.60× | — | ||
| Q4 24 | 6.09× | — | ||
| Q3 24 | 0.07× | 2.57× | ||
| Q2 24 | 0.34× | 4.20× | ||
| 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% |
RMTI
| US | $15.9M | 87% |
| Non Us | $2.4M | 13% |
