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永明金融（CFFI）与Rumble Inc.（RUM）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Rumble Inc.的1.3倍（$35.9M vs $27.1M），永明金融净利率更高（18.7% vs -120.8%，领先139.5%），永明金融同比增速更快（12.0% vs -10.5%），永明金融自由现金流更多（$22.2M vs $-31.7M），过去两年Rumble Inc.的营收复合增速更高（15.2% 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。
Rumble Inc.是一家加美跨国企业，主营在线视频平台、网络托管及云服务，总部位于加拿大多伦多，美国总部设在佛罗里达州朗博特基。公司由加拿大科技创业者克里斯·帕夫洛夫斯基于2013年创立，云服务板块为Truth Social提供托管支持，其视频平台在美国保守派及极右翼用户群体中广受欢迎，属于“另类科技”阵营。
CFFI vs RUM — 直观对比
营收规模更大
CFFI
是对方的1.3倍
$27.1M
营收增速更快
CFFI
高出22.4%
-10.5%
净利率更高
CFFI
高出139.5%
-120.8%
自由现金流更多
CFFI
多$53.9M
$-31.7M
两年增速更快
RUM
近两年复合增速
8.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $35.9M | $27.1M |
| 净利润 | $6.7M | $-32.7M |
| 毛利率 | — | 5.5% |
| 营业利润率 | 22.6% | -131.1% |
| 净利率 | 18.7% | -120.8% |
| 营收同比 | 12.0% | -10.5% |
| 净利润同比 | 11.0% | 86.2% |
| 每股收益（稀释后） | $2.08 | $-0.13 |
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CFFIRUM
| Q4 25 | $35.9M | $27.1M | ||
| Q3 25 | $36.0M | $24.8M | ||
| Q2 25 | $36.4M | — | ||
| Q1 25 | $32.6M | $23.7M | ||
| Q4 24 | $32.0M | $30.2M | ||
| Q3 24 | $33.5M | $25.1M | ||
| Q2 24 | $31.2M | $22.5M | ||
| Q1 24 | $30.6M | $17.7M |
净利润CFFIRUM
| Q4 25 | $6.7M | $-32.7M | ||
| Q3 25 | $7.1M | $-16.3M | ||
| Q2 25 | $7.7M | — | ||
| Q1 25 | $5.4M | $-2.7M | ||
| Q4 24 | $6.0M | $-236.8M | ||
| Q3 24 | $5.4M | $-31.5M | ||
| Q2 24 | $5.0M | $-26.8M | ||
| Q1 24 | $3.4M | $-43.3M |
毛利率CFFIRUM
| Q4 25 | — | 5.5% | ||
| Q3 25 | — | -1.8% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | -26.7% | ||
| Q4 24 | — | -14.2% | ||
| Q3 24 | — | -45.4% | ||
| Q2 24 | — | -58.8% | ||
| Q1 24 | — | -79.5% |
营业利润率CFFIRUM
| Q4 25 | 22.6% | -131.1% | ||
| Q3 25 | 24.5% | -113.6% | ||
| Q2 25 | 26.5% | — | ||
| Q1 25 | 20.0% | -153.5% | ||
| Q4 24 | 22.6% | -80.1% | ||
| Q3 24 | 19.9% | -131.0% | ||
| Q2 24 | 20.0% | -172.7% | ||
| Q1 24 | 13.1% | -197.4% |
净利率CFFIRUM
| Q4 25 | 18.7% | -120.8% | ||
| Q3 25 | 19.6% | -65.7% | ||
| Q2 25 | 21.2% | — | ||
| Q1 25 | 16.5% | -11.2% | ||
| Q4 24 | 18.8% | -783.2% | ||
| Q3 24 | 16.1% | -125.9% | ||
| Q2 24 | 16.1% | -119.2% | ||
| Q1 24 | 11.1% | -244.1% |
每股收益（稀释后）CFFIRUM
| Q4 25 | $2.08 | $-0.13 | ||
| Q3 25 | $2.18 | $-0.06 | ||
| Q2 25 | $2.37 | — | ||
| Q1 25 | $1.66 | $-0.01 | ||
| Q4 24 | $1.85 | $-1.17 | ||
| Q3 24 | $1.65 | $-0.15 | ||
| Q2 24 | $1.50 | $-0.13 | ||
| Q1 24 | $1.01 | $-0.21 |
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 | — | $237.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $261.8M | $274.8M |
| 总资产 | $2.8B | $336.8M |
| 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CFFIRUM
| Q4 25 | — | $237.9M | ||
| Q3 25 | — | $269.8M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $301.3M | ||
| Q4 24 | — | $114.0M | ||
| Q3 24 | — | $132.0M | ||
| Q2 24 | — | $154.2M | ||
| Q1 24 | — | $183.8M |
股东权益CFFIRUM
| Q4 25 | $261.8M | $274.8M | ||
| Q3 25 | $253.3M | $302.2M | ||
| Q2 25 | $240.3M | — | ||
| Q1 25 | $234.6M | $339.6M | ||
| Q4 24 | $226.4M | $-63.1M | ||
| Q3 24 | $227.3M | $166.1M | ||
| Q2 24 | $218.5M | $192.7M | ||
| Q1 24 | $216.3M | $210.7M |
总资产CFFIRUM
| Q4 25 | $2.8B | $336.8M | ||
| Q3 25 | $2.7B | $367.2M | ||
| Q2 25 | $2.7B | — | ||
| Q1 25 | $2.6B | $391.1M | ||
| Q4 24 | $2.6B | $195.3M | ||
| Q3 24 | $2.6B | $217.2M | ||
| Q2 24 | $2.5B | $243.2M | ||
| Q1 24 | $2.5B | $263.0M |
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 | $-29.4M |
| 自由现金流经营现金流 - 资本支出 | $22.2M | $-31.7M |
| 自由现金流率自由现金流/营收 | 61.8% | -117.2% |
| 资本支出强度资本支出/营收 | 6.5% | 8.5% |
| 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 | $-70.8M |
8季度趋势，按日历期对齐
经营现金流CFFIRUM
| Q4 25 | $24.5M | $-29.4M | ||
| Q3 25 | $23.4M | $-10.6M | ||
| Q2 25 | $-4.4M | — | ||
| Q1 25 | $3.2M | $-14.5M | ||
| Q4 24 | $36.8M | $-12.4M | ||
| Q3 24 | $404.0K | $-19.1M | ||
| Q2 24 | $1.7M | $-21.7M | ||
| Q1 24 | $895.0K | $-33.9M |
自由现金流CFFIRUM
| Q4 25 | $22.2M | $-31.7M | ||
| Q3 25 | $22.7M | $-12.0M | ||
| Q2 25 | $-5.0M | — | ||
| Q1 25 | $2.9M | $-14.6M | ||
| Q4 24 | $33.3M | $-12.4M | ||
| Q3 24 | $-1.6M | $-19.9M | ||
| Q2 24 | $1.2M | $-23.1M | ||
| Q1 24 | $410.0K | $-34.3M |
自由现金流率CFFIRUM
| Q4 25 | 61.8% | -117.2% | ||
| Q3 25 | 63.0% | -48.6% | ||
| Q2 25 | -13.6% | — | ||
| Q1 25 | 9.0% | -61.7% | ||
| Q4 24 | 103.8% | -40.9% | ||
| Q3 24 | -4.9% | -79.5% | ||
| Q2 24 | 3.7% | -102.8% | ||
| Q1 24 | 1.3% | -193.3% |
资本支出强度CFFIRUM
| Q4 25 | 6.5% | 8.5% | ||
| Q3 25 | 2.1% | 5.7% | ||
| Q2 25 | 1.6% | — | ||
| Q1 25 | 0.8% | 0.6% | ||
| Q4 24 | 10.9% | 0.1% | ||
| Q3 24 | 6.1% | 3.4% | ||
| Q2 24 | 1.7% | 6.1% | ||
| Q1 24 | 1.6% | 2.4% |
现金转化率CFFIRUM
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | — | ||
| Q2 25 | -0.57× | — | ||
| Q1 25 | 0.60× | — | ||
| 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% |
RUM
| Audience Monetization | $23.8M | 88% |
| Other Initiatives | $3.3M | 12% |
