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CARRIAGE SERVICES INC（CSV）与TFS Financial CORP（TFSL）财务数据对比。点击上方公司名可切换其他公司
CARRIAGE SERVICES INC的季度营收约是TFS Financial CORP的1.3倍（$105.5M vs $83.7M），TFS Financial CORP净利率更高（26.6% vs 11.6%，领先15.0%），TFS Financial CORP同比增速更快（11.9% vs 8.0%），TFS Financial CORP自由现金流更多（$57.1M vs $6.2M），过去两年TFS Financial CORP的营收复合增速更高（4.2% vs 1.0%）
怡和Cycle & Carriage有限公司是怡和集团在东南亚的投资控股公司，目前该集团持有其75%的股份，是怡和集团在东南亚区域开展资本布局与投资业务的核心平台。
TFS金融公司是一家总部位于美国的金融控股企业，主要通过旗下零售银行子公司开展业务，提供住房抵押贷款、储蓄账户及其他消费金融产品，核心客群主要分布于俄亥俄州和佛罗里达州，以个人及家庭客户为服务重心。
CSV vs TFSL — 直观对比
营收规模更大
CSV
是对方的1.3倍
$83.7M
营收增速更快
TFSL
高出3.9%
8.0%
净利率更高
TFSL
高出15.0%
11.6%
自由现金流更多
TFSL
多$50.9M
$6.2M
两年增速更快
TFSL
近两年复合增速
1.0%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $105.5M | $83.7M |
| 净利润 | $12.3M | $22.3M |
| 毛利率 | 34.8% | — |
| 营业利润率 | 23.3% | 34.0% |
| 净利率 | 11.6% | 26.6% |
| 营收同比 | 8.0% | 11.9% |
| 净利润同比 | 24.5% | -0.7% |
| 每股收益（稀释后） | $0.76 | $0.08 |
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CSVTFSL
| Q4 25 | $105.5M | $83.7M | ||
| Q3 25 | $102.7M | $85.5M | ||
| Q2 25 | $102.1M | $82.0M | ||
| Q1 25 | $107.1M | $79.1M | ||
| Q4 24 | $97.7M | $74.8M | ||
| Q3 24 | $100.7M | $75.1M | ||
| Q2 24 | $102.3M | $75.5M | ||
| Q1 24 | $103.5M | $77.1M |
净利润CSVTFSL
| Q4 25 | $12.3M | $22.3M | ||
| Q3 25 | $6.6M | $26.0M | ||
| Q2 25 | $11.7M | $21.5M | ||
| Q1 25 | $20.9M | $21.0M | ||
| Q4 24 | $9.9M | $22.4M | ||
| Q3 24 | $9.9M | $18.2M | ||
| Q2 24 | $6.3M | $20.0M | ||
| Q1 24 | $7.0M | $20.7M |
毛利率CSVTFSL
| Q4 25 | 34.8% | — | ||
| Q3 25 | 35.3% | — | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 34.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 36.2% | — | ||
| Q1 24 | 36.0% | — |
营业利润率CSVTFSL
| Q4 25 | 23.3% | 34.0% | ||
| Q3 25 | 17.0% | 37.9% | ||
| Q2 25 | 23.5% | 33.3% | ||
| Q1 25 | 29.5% | 33.5% | ||
| Q4 24 | 21.6% | 37.9% | ||
| Q3 24 | 22.7% | 30.7% | ||
| Q2 24 | 18.0% | 33.4% | ||
| Q1 24 | 18.8% | 33.6% |
净利率CSVTFSL
| Q4 25 | 11.6% | 26.6% | ||
| Q3 25 | 6.4% | 30.4% | ||
| Q2 25 | 11.5% | 26.2% | ||
| Q1 25 | 19.5% | 26.6% | ||
| Q4 24 | 10.1% | 30.0% | ||
| Q3 24 | 9.8% | 24.2% | ||
| Q2 24 | 6.1% | 26.4% | ||
| Q1 24 | 6.7% | 26.9% |
每股收益（稀释后）CSVTFSL
| Q4 25 | $0.76 | $0.08 | ||
| Q3 25 | $0.41 | $0.09 | ||
| Q2 25 | $0.74 | $0.08 | ||
| Q1 25 | $1.34 | $0.07 | ||
| Q4 24 | $0.62 | $0.08 | ||
| Q3 24 | $0.63 | $0.07 | ||
| Q2 24 | $0.40 | $0.07 | ||
| Q1 24 | $0.45 | $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 | $1.7M | $456.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $254.8M | $1.9B |
| 总资产 | $1.3B | $17.5B |
| 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CSVTFSL
| Q4 25 | $1.7M | $456.7M | ||
| Q3 25 | $1.2M | $429.4M | ||
| Q2 25 | $1.4M | $452.6M | ||
| Q1 25 | $4.6M | $463.6M | ||
| Q4 24 | $1.2M | $465.9M | ||
| Q3 24 | $1.3M | $463.7M | ||
| Q2 24 | $1.5M | $560.4M | ||
| Q1 24 | $1.7M | $594.3M |
股东权益CSVTFSL
| Q4 25 | $254.8M | $1.9B | ||
| Q3 25 | $242.1M | $1.9B | ||
| Q2 25 | $235.4M | $1.9B | ||
| Q1 25 | $223.1M | $1.9B | ||
| Q4 24 | $208.6M | $1.9B | ||
| Q3 24 | $198.1M | $1.9B | ||
| Q2 24 | $187.9M | $1.9B | ||
| Q1 24 | $179.6M | $1.9B |
总资产CSVTFSL
| Q4 25 | $1.3B | $17.5B | ||
| Q3 25 | $1.3B | $17.5B | ||
| Q2 25 | $1.3B | $17.4B | ||
| Q1 25 | $1.3B | $17.1B | ||
| Q4 24 | $1.3B | $17.1B | ||
| Q3 24 | $1.3B | $17.1B | ||
| Q2 24 | $1.3B | $17.0B | ||
| Q1 24 | $1.3B | $17.0B |
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 | $14.1M | $58.7M |
| 自由现金流经营现金流 - 资本支出 | $6.2M | $57.1M |
| 自由现金流率自由现金流/营收 | 5.9% | 68.2% |
| 资本支出强度资本支出/营收 | 7.5% | 2.0% |
| 现金转化率经营现金流/净利润 | 1.15× | 2.64× |
| 过去12个月自由现金流最近4个季度 | $40.1M | $167.4M |
8季度趋势，按日历期对齐
经营现金流CSVTFSL
| Q4 25 | $14.1M | $58.7M | ||
| Q3 25 | $24.7M | $82.4M | ||
| Q2 25 | $8.1M | $26.8M | ||
| Q1 25 | $13.8M | $21.2M | ||
| Q4 24 | $9.3M | $45.5M | ||
| Q3 24 | $20.9M | $88.6M | ||
| Q2 24 | $2.2M | $96.7M | ||
| Q1 24 | $19.7M | $14.2M |
自由现金流CSVTFSL
| Q4 25 | $6.2M | $57.1M | ||
| Q3 25 | $18.0M | $71.0M | ||
| Q2 25 | $5.2M | $25.0M | ||
| Q1 25 | $10.6M | $14.3M | ||
| Q4 24 | $4.9M | $44.9M | ||
| Q3 24 | $16.2M | $85.5M | ||
| Q2 24 | $-1.4M | $95.9M | ||
| Q1 24 | $16.2M | $13.4M |
自由现金流率CSVTFSL
| Q4 25 | 5.9% | 68.2% | ||
| Q3 25 | 17.5% | 83.0% | ||
| Q2 25 | 5.1% | 30.5% | ||
| Q1 25 | 9.9% | 18.0% | ||
| Q4 24 | 5.0% | 60.0% | ||
| Q3 24 | 16.1% | 113.8% | ||
| Q2 24 | -1.4% | 127.0% | ||
| Q1 24 | 15.6% | 17.4% |
资本支出强度CSVTFSL
| Q4 25 | 7.5% | 2.0% | ||
| Q3 25 | 6.5% | 13.4% | ||
| Q2 25 | 2.8% | 2.1% | ||
| Q1 25 | 3.0% | 8.8% | ||
| Q4 24 | 4.5% | 0.9% | ||
| Q3 24 | 4.6% | 4.1% | ||
| Q2 24 | 3.5% | 1.1% | ||
| Q1 24 | 3.4% | 1.1% |
现金转化率CSVTFSL
| Q4 25 | 1.15× | 2.64× | ||
| Q3 25 | 3.76× | 3.17× | ||
| Q2 25 | 0.69× | 1.24× | ||
| Q1 25 | 0.66× | 1.01× | ||
| Q4 24 | 0.94× | 2.03× | ||
| Q3 24 | 2.11× | 4.86× | ||
| Q2 24 | 0.34× | 4.85× | ||
| Q1 24 | 2.83× | 0.69× |
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
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
TFSL
暂无分部数据
