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Capitol Federal Financial, Inc.（CFFN）与RE/MAX Holdings, Inc.（RMAX）财务数据对比。点击上方公司名可切换其他公司
RE/MAX Holdings, Inc.的季度营收约是Capitol Federal Financial, Inc.的1.2倍（$71.1M vs $57.7M），Capitol Federal Financial, Inc.净利率更高（34.9% vs 2.0%，领先32.9%），过去两年Capitol Federal Financial, Inc.的营收复合增速更高（12.1% vs -4.7%）
国会联邦储蓄银行（CapFed）成立于1893年，是获得联邦特许并承保的储蓄银行，总部位于堪萨斯州托皮卡。该行目前共有51个网点，覆盖堪萨斯城都会区的堪萨斯州与密苏里州两侧，为个人及企业提供各类金融服务，其控股公司国会联邦金融 Inc.在纳斯达克挂牌上市。
RE/MAX是全球知名的房地产特许经营机构，业务遍布全球一百多个国家和地区，旗下拥有数千家门店，总计超过十万名房产经纪人，在国际房产中介领域拥有极高的品牌知名度与市场影响力。
CFFN vs RMAX — 直观对比
营收规模更大
RMAX
是对方的1.2倍
$57.7M
净利率更高
CFFN
高出32.9%
2.0%
两年增速更快
CFFN
近两年复合增速
-4.7%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $57.7M | $71.1M |
| 净利润 | $20.1M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | — | 13.1% |
| 净利率 | 34.9% | 2.0% |
| 营收同比 | — | -1.8% |
| 净利润同比 | — | -75.2% |
| 每股收益（稀释后） | — | — |
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CFFNRMAX
| Q1 26 | $57.7M | — | ||
| Q4 25 | $56.8M | $71.1M | ||
| Q3 25 | $54.6M | $73.2M | ||
| Q2 25 | $50.7M | $72.8M | ||
| Q1 25 | $48.8M | $74.5M | ||
| Q4 24 | $46.9M | $72.5M | ||
| Q3 24 | — | $78.5M | ||
| Q2 24 | $45.0M | $78.5M |
净利润CFFNRMAX
| Q1 26 | $20.1M | — | ||
| Q4 25 | $20.3M | $1.4M | ||
| Q3 25 | $18.8M | $4.0M | ||
| Q2 25 | $18.4M | $4.7M | ||
| Q1 25 | $15.4M | $-2.0M | ||
| Q4 24 | $15.4M | $5.8M | ||
| Q3 24 | — | $966.0K | ||
| Q2 24 | $9.6M | $3.7M |
营业利润率CFFNRMAX
| Q1 26 | — | — | ||
| Q4 25 | 44.4% | 13.1% | ||
| Q3 25 | 42.2% | 25.0% | ||
| Q2 25 | 42.6% | 19.3% | ||
| Q1 25 | 39.5% | 7.2% | ||
| Q4 24 | 40.7% | 5.9% | ||
| Q3 24 | — | 19.4% | ||
| Q2 24 | 34.7% | 20.6% |
净利率CFFNRMAX
| Q1 26 | 34.9% | — | ||
| Q4 25 | 35.7% | 2.0% | ||
| Q3 25 | 34.5% | 5.4% | ||
| Q2 25 | 36.2% | 6.4% | ||
| Q1 25 | 31.6% | -2.6% | ||
| Q4 24 | 32.9% | 8.0% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | 21.4% | 4.7% |
每股收益（稀释后）CFFNRMAX
| Q1 26 | — | — | ||
| Q4 25 | $0.16 | — | ||
| Q3 25 | $0.14 | — | ||
| Q2 25 | $0.14 | — | ||
| Q1 25 | $0.12 | — | ||
| Q4 24 | $0.12 | — | ||
| Q3 24 | — | — | ||
| Q2 24 | $0.07 | — |
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 | $2.5M | $118.7M |
| 总债务越低越好 | — | $432.2M |
| 股东权益账面价值 | $1.0B | $452.4M |
| 总资产 | $9.8B | $582.5M |
| 负债/权益比越低杠杆越低 | — | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资CFFNRMAX
| Q1 26 | $2.5M | — | ||
| Q4 25 | $232.6M | $118.7M | ||
| Q3 25 | $252.4M | $107.5M | ||
| Q2 25 | $175.0M | $94.3M | ||
| Q1 25 | $340.4M | $89.1M | ||
| Q4 24 | $170.3M | $96.6M | ||
| Q3 24 | — | $83.8M | ||
| Q2 24 | $317.8M | $66.1M |
总债务CFFNRMAX
| Q1 26 | — | — | ||
| Q4 25 | — | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | — | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M |
股东权益CFFNRMAX
| Q1 26 | $1.0B | — | ||
| Q4 25 | $1.0B | $452.4M | ||
| Q3 25 | $1.0B | $448.1M | ||
| Q2 25 | $1.0B | $442.4M | ||
| Q1 25 | $1.0B | $433.5M | ||
| Q4 24 | $1.0B | $429.5M | ||
| Q3 24 | — | $423.1M | ||
| Q2 24 | $1.0B | $418.4M |
总资产CFFNRMAX
| Q1 26 | $9.8B | — | ||
| Q4 25 | $9.8B | $582.5M | ||
| Q3 25 | $9.8B | $582.2M | ||
| Q2 25 | $9.7B | $574.8M | ||
| Q1 25 | $9.7B | $571.4M | ||
| Q4 24 | $9.5B | $581.6M | ||
| Q3 24 | — | $578.6M | ||
| Q2 24 | $9.6B | $571.4M |
负债/权益比CFFNRMAX
| Q1 26 | — | — | ||
| Q4 25 | — | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× |
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 | — | $40.9M |
| 自由现金流经营现金流 - 资本支出 | — | $33.5M |
| 自由现金流率自由现金流/营收 | — | 47.1% |
| 资本支出强度资本支出/营收 | — | 10.4% |
| 现金转化率经营现金流/净利润 | — | 28.39× |
| 过去12个月自由现金流最近4个季度 | — | $56.8M |
8季度趋势，按日历期对齐
经营现金流CFFNRMAX
| Q1 26 | — | — | ||
| Q4 25 | $17.4M | $40.9M | ||
| Q3 25 | $55.0M | $17.7M | ||
| Q2 25 | $12.4M | $4.6M | ||
| Q1 25 | $15.5M | $5.7M | ||
| Q4 24 | $5.6M | $59.7M | ||
| Q3 24 | — | $17.6M | ||
| Q2 24 | $19.1M | $15.9M |
自由现金流CFFNRMAX
| Q1 26 | — | — | ||
| Q4 25 | $15.8M | $33.5M | ||
| Q3 25 | $49.8M | $16.4M | ||
| Q2 25 | $10.8M | $2.9M | ||
| Q1 25 | $14.7M | $4.0M | ||
| Q4 24 | $4.5M | $53.0M | ||
| Q3 24 | — | $16.3M | ||
| Q2 24 | $16.4M | $14.0M |
自由现金流率CFFNRMAX
| Q1 26 | — | — | ||
| Q4 25 | 27.9% | 47.1% | ||
| Q3 25 | 91.3% | 22.4% | ||
| Q2 25 | 21.2% | 4.0% | ||
| Q1 25 | 30.2% | 5.3% | ||
| Q4 24 | 9.5% | 73.2% | ||
| Q3 24 | — | 20.8% | ||
| Q2 24 | 36.5% | 17.8% |
资本支出强度CFFNRMAX
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 10.4% | ||
| Q3 25 | 9.5% | 1.8% | ||
| Q2 25 | 3.2% | 2.2% | ||
| Q1 25 | 1.5% | 2.3% | ||
| Q4 24 | 2.5% | 9.1% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | 5.9% | 2.4% |
现金转化率CFFNRMAX
| Q1 26 | — | — | ||
| Q4 25 | 0.86× | 28.39× | ||
| Q3 25 | 2.93× | 4.45× | ||
| Q2 25 | 0.67× | 0.97× | ||
| Q1 25 | 1.01× | — | ||
| Q4 24 | 0.36× | 10.28× | ||
| Q3 24 | — | 18.22× | ||
| Q2 24 | 1.98× | 4.29× |
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
CFFN
| Net Interest Income | $52.3M | 91% |
| Noninterest Income | $5.5M | 9% |
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
