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南玻集团（CSGS）与RENASANT CORP（RNST）财务数据对比。点击上方公司名可切换其他公司
南玻集团的季度营收约是RENASANT CORP的1.2倍（$323.1M vs $273.8M），RENASANT CORP净利率更高（32.2% vs 2.2%，领先30.1%），过去两年RENASANT CORP的营收复合增速更高（29.3% vs 4.6%）
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CSGS vs RNST — 直观对比
营收规模更大
CSGS
是对方的1.2倍
$273.8M
净利率更高
RNST
高出30.1%
2.2%
两年增速更快
RNST
近两年复合增速
4.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $323.1M | $273.8M |
| 净利润 | $7.0M | $88.2M |
| 毛利率 | 50.0% | — |
| 营业利润率 | 9.0% | — |
| 净利率 | 2.2% | 32.2% |
| 营收同比 | 2.0% | — |
| 净利润同比 | -79.7% | 112.5% |
| 每股收益（稀释后） | $0.24 | $0.94 |
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CSGSRNST
| Q1 26 | — | $273.8M | ||
| Q4 25 | $323.1M | $278.4M | ||
| Q3 25 | $303.6M | $269.5M | ||
| Q2 25 | $297.1M | $267.2M | ||
| Q1 25 | $299.5M | $170.7M | ||
| Q4 24 | $316.7M | $167.1M | ||
| Q3 24 | $295.1M | $220.3M | ||
| Q2 24 | $290.3M | $163.8M |
净利润CSGSRNST
| Q1 26 | — | $88.2M | ||
| Q4 25 | $7.0M | $78.9M | ||
| Q3 25 | $20.5M | $59.8M | ||
| Q2 25 | $12.3M | $1.0M | ||
| Q1 25 | $16.1M | $41.5M | ||
| Q4 24 | $34.5M | $44.7M | ||
| Q3 24 | $19.1M | $72.5M | ||
| Q2 24 | $13.8M | $38.8M |
毛利率CSGSRNST
| Q1 26 | — | — | ||
| Q4 25 | 50.0% | — | ||
| Q3 25 | 48.1% | — | ||
| Q2 25 | 49.5% | — | ||
| Q1 25 | 48.4% | — | ||
| Q4 24 | 51.3% | — | ||
| Q3 24 | 49.4% | — | ||
| Q2 24 | 47.3% | — |
营业利润率CSGSRNST
| Q1 26 | — | — | ||
| Q4 25 | 9.0% | 34.8% | ||
| Q3 25 | 10.0% | 27.9% | ||
| Q2 25 | 10.0% | 1.0% | ||
| Q1 25 | 9.8% | 30.4% | ||
| Q4 24 | 13.4% | 29.8% | ||
| Q3 24 | 10.8% | 44.2% | ||
| Q2 24 | 8.8% | 29.6% |
净利率CSGSRNST
| Q1 26 | — | 32.2% | ||
| Q4 25 | 2.2% | 28.4% | ||
| Q3 25 | 6.7% | 22.2% | ||
| Q2 25 | 4.1% | 0.4% | ||
| Q1 25 | 5.4% | 24.3% | ||
| Q4 24 | 10.9% | 26.8% | ||
| Q3 24 | 6.5% | 32.9% | ||
| Q2 24 | 4.8% | 23.7% |
每股收益（稀释后）CSGSRNST
| Q1 26 | — | $0.94 | ||
| Q4 25 | $0.24 | $0.78 | ||
| Q3 25 | $0.73 | $0.63 | ||
| Q2 25 | $0.44 | $0.01 | ||
| Q1 25 | $0.57 | $0.65 | ||
| Q4 24 | $1.20 | $0.70 | ||
| Q3 24 | $0.67 | $1.18 | ||
| Q2 24 | $0.48 | $0.69 |
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 | $180.0M | $1.2B |
| 总债务越低越好 | $539.5M | $806.2M |
| 股东权益账面价值 | $283.7M | $3.9B |
| 总资产 | $1.5B | $27.1B |
| 负债/权益比越低杠杆越低 | 1.90× | 0.21× |
8季度趋势，按日历期对齐
现金及短期投资CSGSRNST
| Q1 26 | — | $1.2B | ||
| Q4 25 | $180.0M | $1.1B | ||
| Q3 25 | $158.4M | $1.1B | ||
| Q2 25 | $145.9M | $1.4B | ||
| Q1 25 | $136.0M | $1.1B | ||
| Q4 24 | $161.8M | $1.1B | ||
| Q3 24 | $118.4M | $1.3B | ||
| Q2 24 | $110.4M | $851.9M |
总债务CSGSRNST
| Q1 26 | — | $806.2M | ||
| Q4 25 | $539.5M | $499.8M | ||
| Q3 25 | $538.6M | $558.9M | ||
| Q2 25 | $537.8M | $557.0M | ||
| Q1 25 | $537.6M | $433.3M | ||
| Q4 24 | $538.5M | $430.6M | ||
| Q3 24 | $539.5M | $433.2M | ||
| Q2 24 | $540.5M | $428.7M |
股东权益CSGSRNST
| Q1 26 | — | $3.9B | ||
| Q4 25 | $283.7M | $3.9B | ||
| Q3 25 | $289.5M | $3.8B | ||
| Q2 25 | $290.7M | $3.8B | ||
| Q1 25 | $283.1M | $2.7B | ||
| Q4 24 | $282.6M | $2.7B | ||
| Q3 24 | $288.4M | $2.7B | ||
| Q2 24 | $273.3M | $2.4B |
总资产CSGSRNST
| Q1 26 | — | $27.1B | ||
| Q4 25 | $1.5B | $26.8B | ||
| Q3 25 | $1.5B | $26.7B | ||
| Q2 25 | $1.4B | $26.6B | ||
| Q1 25 | $1.4B | $18.3B | ||
| Q4 24 | $1.5B | $18.0B | ||
| Q3 24 | $1.4B | $18.0B | ||
| Q2 24 | $1.4B | $17.5B |
负债/权益比CSGSRNST
| Q1 26 | — | 0.21× | ||
| Q4 25 | 1.90× | 0.13× | ||
| Q3 25 | 1.86× | 0.15× | ||
| Q2 25 | 1.85× | 0.15× | ||
| Q1 25 | 1.90× | 0.16× | ||
| Q4 24 | 1.91× | 0.16× | ||
| Q3 24 | 1.87× | 0.16× | ||
| Q2 24 | 1.98× | 0.18× |
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 | $59.2M | — |
| 自由现金流经营现金流 - 资本支出 | $55.8M | — |
| 自由现金流率自由现金流/营收 | 17.3% | — |
| 资本支出强度资本支出/营收 | 1.1% | — |
| 现金转化率经营现金流/净利润 | 8.46× | — |
| 过去12个月自由现金流最近4个季度 | $141.4M | — |
8季度趋势，按日历期对齐
经营现金流CSGSRNST
| Q1 26 | — | — | ||
| Q4 25 | $59.2M | $271.5M | ||
| Q3 25 | $47.9M | $135.5M | ||
| Q2 25 | $37.3M | $-77.3M | ||
| Q1 25 | $11.5M | $106.2M | ||
| Q4 24 | $82.5M | $106.4M | ||
| Q3 24 | $39.5M | $-1.7M | ||
| Q2 24 | $43.1M | $-49.1M |
自由现金流CSGSRNST
| Q1 26 | — | — | ||
| Q4 25 | $55.8M | $237.8M | ||
| Q3 25 | $43.9M | $120.1M | ||
| Q2 25 | $34.6M | $-87.5M | ||
| Q1 25 | $7.1M | $101.3M | ||
| Q4 24 | $76.6M | $92.8M | ||
| Q3 24 | $32.0M | $-5.3M | ||
| Q2 24 | $38.8M | $-52.6M |
自由现金流率CSGSRNST
| Q1 26 | — | — | ||
| Q4 25 | 17.3% | 85.4% | ||
| Q3 25 | 14.5% | 44.6% | ||
| Q2 25 | 11.6% | -32.7% | ||
| Q1 25 | 2.4% | 59.4% | ||
| Q4 24 | 24.2% | 55.5% | ||
| Q3 24 | 10.8% | -2.4% | ||
| Q2 24 | 13.4% | -32.1% |
资本支出强度CSGSRNST
| Q1 26 | — | — | ||
| Q4 25 | 1.1% | 12.1% | ||
| Q3 25 | 1.3% | 5.7% | ||
| Q2 25 | 0.9% | 3.8% | ||
| Q1 25 | 1.5% | 2.8% | ||
| Q4 24 | 1.9% | 8.2% | ||
| Q3 24 | 2.5% | 1.6% | ||
| Q2 24 | 1.5% | 2.1% |
现金转化率CSGSRNST
| Q1 26 | — | — | ||
| Q4 25 | 8.46× | 3.44× | ||
| Q3 25 | 2.34× | 2.27× | ||
| Q2 25 | 3.04× | -75.92× | ||
| Q1 25 | 0.71× | 2.56× | ||
| Q4 24 | 2.39× | 2.38× | ||
| Q3 24 | 2.07× | -0.02× | ||
| Q2 24 | 3.12× | -1.26× |
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
CSGS
| Software As A Service And Related Solutions | $287.2M | 89% |
| License And Service | $22.6M | 7% |
| Maintenance | $13.3M | 4% |
RNST
| Net Interest Income | $223.6M | 82% |
| Noninterest Income | $50.3M | 18% |
